- September 2008: Who Gets Retirement Plans and Why: The Investment Company Institute (ICI). Excerpt:Most workers who are likely to have the ability to save and to be focused primarily on saving for retirement are covered by an employer-provided retirement plan. Of those most likely to desire to save for retirement in the current year, nearly three-quarters had access to a pension plan through their own employer or their spouse’s employer, and 92 percent of those with access participated; Younger and lower-income households are more likely to report that they save primarily for reasons other than retirement, such as to fund education, to purchase a house, to fund other purchases, or to have cash on hand in case of unexpected need. Economic analysis suggests that these preferences are rational. Older and higher-earning workers are more likely to save primarily for retirement, and thus are more likely to prefer having a portion of their compensation in the form of retirement benefits rather than fully in cash. The Appendix is here
- April 2008: Is Your Pension Secure? Probably, But It Could Be Smaller Than You Expect : : “Even with . . . safeguards, your expectations for retirement income can still be upset mightily. Here’s what can go wrong if you work in the private sector, and how you can protect yourself. Also check our steps you can take to protect your retirement income.” (ConsumerReports.org)
- December 2007 : What Now? How Retirees Manage Money To Make It Last Through Retirement: From AARP: The study identifies five different asset management styles among respondents: Investor, Manager, Thrifty, Undisciplined and Troubled. The Thrifty group has the most interest in seeking a guaranteed lifetime income solution, followed by the Undisciplined, then Troubled and Manager, and Investor
- November 2007: The Center for Retirement Research at Boston College : “Do Financial Literacy and Mistrust Affect 401(k) Participation?”by Julie R. Agnew, Lisa Szykman, Stephen P. Utkus, and Jean A. Young . For full paper in PDF
- October 2007: Center for Retirement Research at Boston College: Why Do Married Men Claim Social Security Benefits so Early? Ignorance, Caddishness, or Something Else?:By Steven A. Sass, Wei Sun, and Anthony Webb. For executive summary in PDF; For full paper in PDF
- September 2007: Center for Retirement Research at Boston College:Evaluating the Advanced Life Deferred Annuity – An Annuity People Might Actually Buy:By Guan Gong and Anthony Webb. For executive summary in PDF. For full paper in PDF
- August 2007: The Center for Retirement Research at Boston College : “Should Public Plans Engage in Social Investing?”by Alicia H. Munnell . For full paper in PDF
- July 2007: The Center for Retirement Research at Boston College : “An Annuity that People Might Actually Buy” : by Anthony Webb, Guan Gong, and Wei Sun : For full paper in PDF
- May 2007: The Center for Retirement Research at Boston College : “Do People Plan to Tap Their Home Equity in Retirement?”by Alicia H. Munnell, Mauricio Soto, and Jean-Pierre Aubry . For full paper in PDF format, click here ; To access detailed survey data, click here
- September 2006: Center for Retirement Research at Boston College’s Issue in Brief “Will Reverse Mortgages Rescue the Baby Boomers?”by Andrew D. Eschtruth, Wei Sun, and Anthony Webb* For full paper in PDF format, click here
Denise is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA resources for financial/ tax/legal professionals. She has over 20 years of experience in the retirement plans field, which includes training and technical consultation.
Denise writes and publishes educational /marketing tools for advisors; available at http://irapublications.com. Denise co-authored several books on IRAs
Denise is a graduate of The John Marshall Law School, where she obtained a Masters of Jurisprudence in Employee Benefits, and has earned 5 professional retirement designations.
She has appeared on numerous media programs, sharing her insights on retirement tax laws.