Beyond Bulls & Bears

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.

Tax Reform and the Possible Impact on Retirement
Education

Tax Reform and the Possible Impact on Retirement

US tax reform looks to impact many areas of our lives, and one of these could be the way Americans save and invest for retirement. As we wait for Congress to refine and vote on the latest tax proposals, Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments, breaks down how lawmakers might target retirement dollars for tax revenue. And, he outlines potential changes to our current retirement system that he believes might not be in the best interests of all future retirees.

Our Request to Congress: Save Our Savings—and Our Retirement!
Education

Our Request to Congress: Save Our Savings—and Our Retirement!

"What we’d like to emphasize is that if we are going to change the retirement system, those changes should be done with the exclusive goal of improving retirement readiness for all US citizens.” Yaqub Ahmed, Drew Carrington and Michael Doshier

The Least-Known Tax Break?
Education

The Least-Known Tax Break?

Gail Buckner, CFP, our personal retirement and financial planning strategist, walks through a little-known tax credit called the “Saver’s Credit” you may want to learn more about.

Cracking the Code on Social Security Benefits
Education

Cracking the Code on Social Security Benefits

Gail Buckner, CFP, cracks the code on how Social Security benefits are calculated, and offers some strategies on how to maximize it.

Don’t Plan on Being Average
Education

Don’t Plan on Being Average

Even if you are years away from retirement, it’s never too soon to start thinking about how you’ll get there—and how much you’ll need when you are ...

Social Security Looks Pretty Good. But Medicare’s Another Story.
Education

Social Security Looks Pretty Good. But Medicare’s Another Story.

On an annual basis, the Trustees of the US Social Security and Medicare trust funds provide their report on the current and projected financial ...

The Retirement Disconnect
Education

The Retirement Disconnect

Conducted in three countries, Franklin Templeton Investments’ annual Retirement Income Strategies and Expectations (RISE) survey explores ...

Financing Education Is a Retirement Issue
Education

Financing Education Is a Retirement Issue

The rising cost of college has added an additional financial burden for many parents who don’t want to see their children suffer under a mountain ...