There are more than 270000 investment advisers in the US. Some are brilliant, some aren’t. How do you find the right one?

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Financial Finesse, the nation’s leading US provider of unbiased workplace financial education, has released its third and final special research report for 2011 on the state of employees’ retirement preparedness. Report shows employees continue to make improvements to finances and increase focus on retirement but are not doing enough to adapt to the “new normal” Download a PDF of the release here. The report found that the overall state of US employees’ retirement preparedness remains low despite a positive trend in employees improving their finances and putting heavier emphasis on retirement planning. According to the report: • Most employees have never run a retirement projection despite their income or age. Fifty-seven percent of employees at pre-retirement age, between 55 and 64, said they had not run a calculation to estimate whether or not they were on track to replace 80% of their annual pre-retirement income (or their goal) in retirement. This number grew with younger generations: 68% of employees age 45-54, 67% of employees age 30-44, and 73% of employees under 30 indicated they had not run a calculation and didn’t know if they were on track to retire. Scott Drake Interviews Financial Finesse Resident Advisor Michael Smith.for Annuity News Now www.annuitynewsnow.com

During times of market volatility, Ameriprise financial advisors hear first-hand the concerns and uncertainty of their clients. Bill Williams, Executive Vice President of the Ameriprise Financial Personal Advisors Group sat down with Ted Truscott, Chief Investment Officer at Ameriprise Financial to discuss some of the most common questions. Questions include: – What are near-term expected market impacts? – Are we at risk for a double dip recession? – What should I discuss with my advisor? – How should I approach investing if I’m near retirement? Or, if I’m several years from retirement? This information is not intended as advice designed to meet the particular needs of an individual investor. Ameriprise Financial, its representatives and its affiliates do not provide tax or legal advice. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information or advice. Ameriprise Financial cannot guarantee future financial results.

You need to coordinate your plan — including your 401(k)s and other investments — with your spouse or partner to align your goals and get on track to reach them. Learn how. budgeting-investing.ameriprise.com This information is not intended as advice designed to meet the particular needs of an individual investor. Ameriprise Financial, its representatives and its affiliates do not provide tax or legal advice. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information or advice. Ameriprise Financial cannot guarantee future financial results.

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According to a new research report, Cracking the Code to Retirement Income: Key Developments and Opportunities, released by Financial Research Corporation, the opportunity for retirement income products continues to expand as the age segments to which retirement income products can be marketed are broadening. Scott Drake interviews FRC Vice President, and Retirement Income Practice Leader, Matt Schott and study author Leslie Prescott. Prescott said… “I would encourage advisers to seek out clients and prospects in their early 50′s.” According to an FRC fact sheet….”FRC sees that the line between retirement accumulation products and retirement income products is blurring. In the report, FRC provides an in‐depth analysis of structures, features, and functions of the primary retirement income products, including Managed‐Payout Funds (Endowment and Maturity‐Date Funds), Hybrid products, seven types of Guaranteed Annuities, as well as a category of retirement products that may not have been recognized as retirement income products in the past. The report examines the relative success of these products based on netflows and asset statistics supplied by FRC’s proprietary IMPACT database, as well as insightsfrom leading asset managers, and data from other investment industry sources including Morningstar, ICI, LIMRA, and EBRI.”

Create an achievable, practical plan for your future with Family Focus Financial Group, headquartered in Jackson, New Jersey. A robust savings and retirement plan is a financial ship that can weather any economic storm. It gets your nest egg to its final port of call, ready for you to enjoy the benefits of planning for your golden years. Call for a free evaluation of your financial plan. Visit us www.yellowpages.com

College. Retirement. Race car. Financial needs vary from person to person, so Edward Jones offers personalized financial planning. With offices nationwide, there’s an agent in your community ready to meet face to face with you to discuss proven, long-term investment strategies to help you reach your financial goals. Mutual funds, IRAs, stocks, saving plans. Let an Edward Jones agent put you on the right path. Visit us www.yellowpages.com