David W. Smiley, CFP, RICP, of Oxford Asset Management in Durango, CO, Troy Miller, RICP, of Hilliard Lyons in Louisville, KY, and Curtis Cloke, CLTC, RICP, owner of Thrive Income in Burlington, IA, offer their perspectives on The American College's Retirement Income Certified Professional program. (This story accompanies today's cover feature.)

'When one retires now has a much greater effect on one’s retirement income, but workers lack cultural or clearly marked financial incentives to indicate when to retire, and are ill-equipped to estimate the financial implications,' writes Steve Sass of the Center for Retirement Research at Boston College.

Will the financial services industry sue the Department of Labor if it doesn't like the final wording of the fiduciary rule? And if it does, what happens next? Four attorneys--Bruce Ashton, Mercer Bullard, Tom Clark, and Steve Saxon, share their views.

'Usually if a client brings up something new in a meeting, you have to go back to the home office to see how it will affect the annuities in the plan. With this, you just tap a button,” said RetireUp CEO Dan Santner.

'The robo model of investment portfolio management will be good enough in the eyes of a larger proportion of investors than the wealth management industry itself yet seems ready to recognize,' an analyst at MyPrivateBanking Research said in a release.

In 2016, life and annuity companies will face increasing life expectancy trends, the rise of cyber risk as a life “catastrophic” event and increasing investment risk from traditional and non-traditional asset classes, according to A.M. Best.