Beyond Bulls & Bears

PODCAST: Fintech Opportunity in the Retirement and Financial Services Space
Perspectives

PODCAST: Fintech Opportunity in the Retirement and Financial Services Space

Technological innovations have permeated every aspect of our lives, including the way we save and invest. Franklin Templeton Investments President and Chief Operating Officer Jenny Johnson and Empower Retirement President and Chief Executive Officer Ed Murphy discuss the impact of new technology on the financial services industry, particularly in the areas of wealth management and retirement planning.

Change is Coming to the Retirement Landscape
Education

Change is Coming to the Retirement Landscape

In recent months, there has been heightened activity in Washington DC in the area of retirement policy, with plans and proposals that could meaningfully alter the landscape. Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments, and Michael Doshier, vice president, Retirement Marketing, discuss the latest legislative developments and ideas.

PODCAST: Biggest Changes in a Decade Impacting the US Retirement System
Education

PODCAST: Biggest Changes in a Decade Impacting the US Retirement System

On our latest “Talking Markets” podcast, Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments, and Michael Hadley, a partner at the Washington, DC law firm Davis and Harman, discuss noteworthy legislative proposals that may significantly affect retirement plans—including President Donald Trump’s most recent executive order.

Our Take on US Order to Ease Retirement Regulations
Education

Our Take on US Order to Ease Retirement Regulations

This year is proving to be an active year for retirement-related legislation, with a mix of new proposals emerging and some familiar ones reappearing, not to mention the handful of modest changes to retirement plans that were enacted as part of February’s Bipartisan Budget Act. On August 31, President Trump signed a new executive order that offers several changes to retirement plans. Here, Franklin Templeton’s Yaqub Ahmed and Drew Carrington, who attended the signing, highlight a few aspects of it.

Can You Retire Your Retirement Risk?
Education

Can You Retire Your Retirement Risk?

Many (if not most) people think about retirement in terms of saving for the day they leave the workforce and won’t be collecting a paycheck any longer. The prospect of outliving one’s savings is therefore a top source of stress, along with being able to pay escalating health care costs. Perhaps more individuals should plot a strategy to generate income in retirement, says Michael Doshier, vice president, retirement marketing at Franklin Templeton Investments. And no, he doesn’t mean spending your senior years flipping burgers or bagging groceries.

Retirement…Disrupted: Is the US Facing a Crisis?
Education

Retirement…Disrupted: Is the US Facing a Crisis?

On our latest “Talking Markets” podcast, we listen in on a panel of experts discussing the potential US retirement crisis and the fear factors surrounding retirement disruption. Drew Carrington, head of Defined Contribution at Franklin Templeton Investments is joined by Lori Lucas, president and CEO at the Employee Benefit Research Institute (EBRI), Ed Murphy, CEO and president, Empowers Retirement Business and Lew Minsky, president and CEO at Defined Contribution Institutional Investment Association.

Social Security: It’s Healthier Than You Might Think!
Education

Social Security: It’s Healthier Than You Might Think!

Each year, Social Security’s Trustees report to Congress on the financial status of the program. This typically generates a number of anxiety-provoking media headlines about if/when it will run out of money. Gail Buckner, CFP, our personal retirement and financial planning strategist, takes a look at the facts. She says Social Security is actually in pretty good shape overall.

Survey Highlights Women’s Retirement Insecurities
Education

Survey Highlights Women’s Retirement Insecurities

There has been heightened discussion recently about women’s inequality in many areas of society—including financial security. Gail Buckner, CFP, our personal retirement and financial planning strategist, explores the gender pay gap and how it has contributed to a poorer post-working life for many older women. She also explores a 2018 Franklin Templeton survey which revealed even younger women are generally feeling insecure about their financial futures.

Health Savings Accounts: The Intersection of Retirement and Health Care
Education

Health Savings Accounts: The Intersection of Retirement and Health Care

The increasing costs of health insurance borne by employees and employers alike has spawned a variety of plans and strategies to help manage the expenses. Among these are health savings accounts (HSAs), which first came onto the scene in 2003. HSAs allow individuals who are covered by high-deductible health plans to receive tax-preferred treatment of money they have saved for medical expenses. Kevin Murphy, national retirement plan strategist, explains the benefits of HSAs, and how they can even help build your retirement savings.

Implications of DOL Fiduciary Rule Decisions and RESA Legislation
Education

Implications of DOL Fiduciary Rule Decisions and RESA Legislation

Some new developments in Washington and recent court rulings have implications for those saving and investing for retirement. Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments along with Michael Doshier, head of retirement marketing, examine the status of The Retirement Enhancement and Savings Act (RESA) and what it might mean for both plan sponsors and participants, and recap the latest court rulings impacting the Department of Labor’s Fiduciary Rule.

Elderly Americans Now Have New Protections to Help Combat Financial Fraud
Education

Elderly Americans Now Have New Protections to Help Combat Financial Fraud

Elder abuse, including forms of financial fraud, is a widespread problem that many of us don’t give much thought about—until it happens to one of our loved ones, or even ourselves. Gail Buckner, CFP, our personal retirement and financial planning strategist, explores the subject of elder financial abuse and new protections that will soon be in place to help thwart it.

US Tax Reform: What Investors Need to Know
Education

US Tax Reform: What Investors Need to Know

Wondering how the latest tax reform bills may impact you? Our Pierre Caramazza and Michael Doshier break down some key aspects of bills from an investment standpoint and highlight some substantial differences between the House and Senate versions.