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    Retirement Income Planning Is Changing

    Retirement Income Planning

    Retirement Income Planning Is Changing

    Your Conversations Should Too Retirement income planning is having a moment. Clients are asking sharper questions. The rules keep evolving. Markets add uncertainty. And advisors are expected to bring clarity to all of it.
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    New $6,000 Senior Deduction Could Shape Retirement Income Plans

    Retirement Income Planning

    New $6,000 Senior Deduction Could Shape Retirement Income Plans

    on January 22, 2026 | By Jackie Kleckner
    A temporary $6,000 “senior” deduction (up to $12,000 for married couples filing jointly) is available for tax years 2025–2028, for people age 65+ and it applies whether taxpayers itemize or take the standard deduction and regardless of whether or not they have Social Security benefits on their return. Experts say it creates a meaningful opportunity for retirees to proactively manage taxable income during this four-year window.
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    Use Education to Attract the Right Prospects for Retirement Income Planning

    Marketing

    Use Education to Attract the Right Prospects for Retirement Income Planning

    One of the most common questions I hear from advisors is how to consistently reach the right prospects. The people who want real planning. The people who value clarity and good decision-making. The people who want a guide, not a pitch.
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    Hidden Planning Opportunities Inside OBBBA’s Tax Landscape

    One Big Beautiful Bill Act (OBBBA)

    Hidden Planning Opportunities Inside OBBBA’s Tax Landscape

    When lawmakers call something “permanent,” advisors know better than to take it literally. The One Big Beautiful Bill Act of 2025 (OBBBA) created what looks like a more stable tax structure with locked-in brackets, a revised standard deduction, a new senior deduction, and several changes to itemized deductions.
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    2026 at a glance: What’s changing?

    COLA

    2026 at a glance: What’s changing?

    The Social Security Administration (SSA) has announced a 2.8 % cost-of-living adjustment (COLA) for 2026 benefits. This annual adjustment is designed to help Social Security recipients maintain their purchasing power as inflation fluctuates. See the 2026 Social Security COLA Facts release here.
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    Reflecting on Covisum MEET 2025

    Event

    Reflecting on Covisum MEET 2025

    Covisum MEET 2025 brought together some of the brightest minds in retirement income planning. On September 25–26 in Kansas City, we gathered advisors, researchers, and innovators to focus on the forces shaping retirement planning today—time, taxes, and transformation.
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    OBBBA Insights for Advisor Study Groups

    One Big Beautiful Bill Act (OBBBA)

    OBBBA Insights for Advisor Study Groups

    on October 9, 2025 | By Jackie Kleckner
    Over the past several months, we’ve heard a consistent request from advisor study groups across the country: Can Joe present on the One Big Beautiful Bill Act (OBBBA) and what it means for our clients?
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    Why Effective Marginal Rate Planning Matters Even More Under OBBBA

    Tax

    Why Effective Marginal Rate Planning Matters Even More Under OBBBA

    As advisors, our role is about much more than picking investments. It’s about helping clients make smarter, forward-looking decisions, particularly around taxes. That’s always been true, but the One Big Beautiful Bill Act of 2025 (OBBBA) raised the stakes.
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