Week's Best: How Not to Run Out of Money in Retirement -- Barrons.com

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By Barron's Advisor Staff

Many clients nearing retirement are filled with anxiety about whether the nest eggs they worked so hard to amass will last. Advisors should assess all the variables that could affect their saving and spending, then pressure test their plans against market risks and share the results with clients. Our article explores other steps advisors can take to assure their clients lead financially secure lives after leaving the workforce.

Among other most-read wealth management articles this week:

How a top-ranked advisor invests . At a time when many wealth managers are standardizing their investment approach and embracing third-party model portfolios, Jamie Williams stands out for doing his own research and security selection. He credits his approach for helping him build a thriving practice in Portage, Mich., where he's Barron's 25th-ranked advisor in the state.

Benefits of turning portfolios into ETFs . Tax-loss harvesting is great, but what happens when a successful investor's account appreciates to the point where it runs out of individual stock losses to write off? More financial advisors are finding a solution in so-called 351 conversions where they transfer clients' appreciated stock portfolios into a newly formed ETF and can diversify holdings without triggering capital gains. These exchanges are increasingly popular, but they are complex and may get additional scrutiny from the Internal Revenue Service.

Schwab unveils new teen accounts . Charles Schwab wants to help teenagers become better investors by giving them an early start and some extra education. Its new Teen Investor accounts are aimed at children ages 13 to 17 and their parents or legal guardians. Teens can trade stocks, bonds, and most exchange-traded funds and mutual funds. Plus, they are eligible for $50 in fractional stock shares if they complete some training. The account has no minimum initial deposit, no commissions for online stock trades, and no account opening or maintenance fees.

For clients retiring in a down market, try this . The war in Iran and the resulting turbulence in global financial markets have understandably made many investors uneasy. The early years of retirement are when portfolios are most vulnerable to what is known as sequence-of-returns risk. Our columnist covers strategies advisors can use to protect the long-term viability of portfolios of clients who are now near the drawdown stage of retirement planning.

See the red flags before you get fired . Good advisors are always alert to signs that their best clients might be drifting away. For this week's Barron's Advisor Big Q, we asked industry pros how they know when client loyalty is starting to wane and what they do to revive it. Reaching out more frequently and asking for direct feedback are two tips.

Write to advisor.editors@barrons.com

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March 27, 2026 13:16 ET (17:16 GMT)

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