Financial and Life Planning Resource Directory

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Articles Consumers/clients: Mid-career, wealth-building
Money
	401(k) Investment Education and Advice, August 2010
		http://www.shrm.org/Research/SurveyFindings/Articles/Pages/401(k)InvestmentAdvice.aspx, Free A summary and PowerPoint presentation of a study of the prevalence and kinds of financial advice that employers make available to 401(k) plan participants.
	Bodie, Zvi, et al, "Unsafe at Any Speed? The Designed-In Risks of Target-Date Glide Paths", Journal of Financial Planning, March 2010 (Vol. 23, No. 3)
		The authors argue that there is not yet any scientifically sound method for measuring the risk characteristics of target-date funds, and until there are, use of them itself represents a significant risk.
	Clark, Jerome, "How Much Should You Have in Equities Until Retirement?", Association of Individual Investors Journal, July 2010
		http://www.aaii.com/journal/article/how-much-should-you-have-in-equities-until-retirement, Free Clark says that reduction in equity holdings prior to retirement, to prevent the effect of large drops in value, should not begin years ahead of time, because in such cases the investor loses out anyway, by giving up asset growth during the accumulation years.
	Hastings, Justine, et al, "Financial Literacy and Pension Fees", Trends and Issues, February 2011
		http://www.tiaa-crefinstitute.org/pdf/research/trends_issues/ti_financialpension0211.pdf, Free The authors find that how the impact of fund fees is illustrated to participants has an impact on their understanding and their choices, and that the benefit is greater for those who are less financially literate.
	Lemoine, Craig, et al, "Achieving Sustainable Retirement Withdrawals: A Combined Equity and Annuity Approach", Journal of Financial Planning, January 2010 (Vol. 23, No. 1)
		The authors compare mixes of equities and bonds with different rebalancing strategies, but find that using an equity portfolio with a fixed annuity component provides the best chance of sustaining withdrawal rates.
	Neiser, Brent A., "Averting At-Risk Middle America’s Retirement Crisis", Journal of Financial Planning, July 2009 (Vol. 22, No. 7)
		Neiser discusses the financial, mental, and cultural lack of preparation for retirement among “at-risk” Americans – i.e., households earning $30-100 thousand annually.
	"BLS Examines Popular 401(k) Retirement Plans", Program Perspectives, November 2010 (Vol. 2, No. 6)
		http://www.bls.gov/opub/perspectives/program_perspectives_vol2_issue6.pdf, Free Data on 401(k) plan participation.
	Retirement Benefits for U.S. Workers Declined 19% Between 1998 and 2008, July 22, 2010
		http://www.towerswatson.com/press/2477, Free The decline reported in this press release represents a 53% drop in Defined Benefit plans and a 38% increase in Defined Contribution plans. The biggest drops were in Retail/Wholesale and in Manufacturing. Only the service sector showed a small net gain,
	Toolson, Richard B., and Craig, Caroline K., "Should Prospective Retirees Forgo Tax-Deductible Contributions to Retirement Plans to Reduce Required Minimum Distribution Payments?", Journal of Financial Service Professionals, March 2010
		Toolson and Craig analyze how this question can be answered in light of potential future increases in federal tax rates.
	Yakoboski, Paul J., "Retirement Confidence among State and Local Government Employeees", Trends and Issues, August 2011
		http://www.tiaa-crefinstitute.org/articles/ti_rcstatelocal0811.html, Free Analaysis of retirement confidence among employees in the public sector.
	Yakoboski, Paul J., "Retirement Confidence on Campus: The 2011 Higher Education Retirement Confidence Survey", Trends and Issues, June 2011
		http://www.tiaa-crefinstitute.org/pdf/research/trends_issues/ti_higheredRCS0611_02.pdf, Free Analaysis of retirement confidence among employees in the field of higher education.
	Yakoboski, Paul J., "2010 K-12 Retirement Confidence Survey", Trends and Issues, September 2010
		http://www.tiaa-crefinstitute.org/pdf/research/trends_issues/ti_k12retirement1010.pdf, Free Analaysis of retirement confidence among employees in the public education sector.
	Yakoboski, Paul J., "Retirement Health Among Hospital Workers: The 2010 Hospital Retirement Confidence Survey", Trends and Issues, September 2010
		http://www.tiaa-crefinsti-tute.org/pdf/research/trends_issues/ti_hospital0910.pdf, Free Analaysis of retirement confidence among employees in the health field.
Structure
	"New Data Series Highlights Employee Access to Medical Care and Retirement Benefits", Program Perspectives, June 2010 (Vol. 2, No. 4)
		http://www.bls.gov/opub/perspectives/program_perspectives_vol2_issue4.pdf, Free Describes the data and tells you where you can find more details.
	Shultz, Kenneth S., et al, "Age Differences in the Demand-Control Model of Work Stress", Journal of Applied Gerontology, February 2010 (Vol. 29, No. 1)
		http://jag.sagepub.com/cgi/content/abstract/29/1/21 The authors studied European workers to test causes and effects of workplace stress. Time pressure produced stress in workers of all ages, but only older workers were also notably sensitive to autonomy and schedule flexibility issues.
Other / general / not specified
	Gallagher, Andrea, "Enhancing Elder Workplaces", Aging Well, Fall 2010 (Vol. 3, No. 4)
		Gallagher talks about the need for employers to support the caregiving and life planning needs of their older workers, and the desirability of advisors to promote such efforts.