Essentials Of Retirement Planning 2nd Edition Eric Robbins - Solutions

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Identify and explain the major components of a marketing plan.
When assessing actual performance of a marketing strategy, should a marketer perform marketing cost analysis?Why or why not?
Which element of the strategic planning process plays a major role in the establishment of performance standards?Explain.
Identify and explain the major managerial actions that are a part of managing the implementation of marketing strategies.
When considering the strategic planning process, what factors infl uence the development of a marketing strategy?
What are the two major parts of a marketing strategy?
How should organizations set marketing objectives?
How can an organization make its competitive advantages sustainable over time? How diffi cult is it to create sustainable competitive advantages?
What is SWOT analysis and why is it important?
What are some issues to consider in analyzing a company’s resources and opportunities? How do these issues affect marketing objectives and marketing strategy?
Explain how an organization can create a competitive advantage at the corporate strategy level and at the business unit strategy level.
Identify the major components of strategic planning, and explain how they are interrelated.
How is Campbell’s trying to increase the customer’s perceived value of its soup?
How would you defi ne Campbell’s target market for soup?
Evaluate Campbell’s success in implementing the marketing concept.
How does New Belgium’s focus on sustainability as a core value contribute to its corporate culture and success?
What has Kim Jordan done to create success at New Belgium?
How has New Belgium implemented the marketing concept?
What benefi ts will your product provide to the customer?How will these benefi ts play a role in determining the customer value of your product?
Describe the level of market orientation that currently exists in your company. How will a market orientation contribute to the success of your new product?
Discuss how the marketing concept contributes to a company’s long-term success.
What marketing-mix variable does the AMA’s Internet marketing effort exemplify?
If you joined a student chapter of the AMA, what benefi ts would you receive?
What type of information is available on the AMA website to assist students in planning their careers and fi nding jobs?
There are seemingly hundreds of different cell phones available on the market today. How do consumers choose? The answer is simple: consumer value.Compare the value of an Apple iPhone and a Samsung Galaxy smartphone. Begin by identifying the benefi ts and costs that you consider when evaluating
Discuss the variables of the marketing mix (product, price, promotion, and distribution) as they might relate to each of the following:a. A trucking companyb. A men’s clothing storec. A skating rinkd. A campus bookstore
Identify possible target markets for the following products:a. Kellogg’s Corn Flakesb. Wilson tennis racketsc. Disney Worldd. Diet Pepsi
Identify several businesses in your area that have not adopted the marketing concept. What characteristics of these organizations indicate nonacceptance of the marketing concept?
Why is marketing important in our society? Why should you study marketing?
What is customer relationship management? Why is it so important to “manage” this relationship?
How can an organization implement the marketing concept?
Discuss the basic elements of the marketing concept.Which businesses in your area use this philosophy?Explain why.
What are the forces in the marketing environment? How much control does a marketing manager have over these forces?
What conditions must exist before a marketing exchange can occur? Describe a recent exchange in which you participated.
What is value? How can marketers use the marketing mix to enhance the perception of value?
What are the four variables of the marketing mix? Why are these elements known as variables?
What is the focus of all marketing activities? Why?
What is marketing? How did you defi ne the term before you read this chapter?
An executive in her mid-50s approaches you for retirement advice.She has accumulated retirement savings of $6.7 million. This executive is married with two children who are both managers in Fortune 500 companies. This executive enjoys working and plans to work until age 70.What issues should this
A promising young engineer in his early 30s has decided to change jobs. At his former employment, he had a DB plan with an accrued vested balance of $4,000, and the plan document specifies that any vested balance has all options available to it. He also has a 401(k)with a $22,000 balance. This
A middle-class single female is employed as a manager in a hospital system in rural Pennsylvania. She earns $75,000 per year. She is 63 years old and is considering when to retire. She has a DB plan that will replace 25 percent of her preretirement income, and she has $300,000 in a 403(b) account.
A company offers its employees an installment payment option in its retirement plan. What should an employee know before choosing this option?
Would a life annuity or a life annuity with a period certain have a higher dollar payment for the retiree?
What is the difference between a life annuity and an annuity certain?
An employee has only $6,978 in the employer-sponsored plan when her employment is terminated. What will happen to her account balance?
An employee has $4,978 in the employer-sponsored plan when her employment is terminated. What will happen to her account balance?
An employee has only $978 in the employer-sponsored plan when his employment is terminated. What will happen to his account balance?
What investment withdrawal rate is prudent for conservative investors? Why this number?
Identify the key retirement planning concerns for wealthier clients.
Identify the key retirement planning concerns for a middleclass client.
Understand the distribution options unique to individual retirement accounts (IRAs) and 403(b) plans.
Identify a few annuity-based distribution options.
Describe what happens when a participant has a relatively low balance in a qualified plan and then terminates employment.
Understand the range of sustainable withdrawal rates, given the interest rate environment.
A client dies before the RBD. With respect to RMD, what happens if the children inherit the IRA?
A client dies before the RBD. With respect to RMD, what happens if the spouse inherits the IRA?
A client dies at age 75 and leaves an IRA to heirs. With respect to RMD, what must happen before the IRA is distributed?
A client reached the RBD on April 24, 2015. He elected to apply the April 1 rule. What does the tax situation look like in 2015 and in 2016?
Is it true that a client must begin taking RMDs by the time he or she reaches age 59½?
The same client applies the NUA rule with a cost basis of $57,000 and the employer stock was worth $233,000 when he applied the rule and removed the stock from the umbrella of a tax-advantaged plan. However, when the client sells the stock two years later, its value has declined to $174,000.
A client of yours applies the NUA rule. He had a cost basis of $57,000 and the employer stock was worth $233,000 when he applied the rule and removed the stock from the umbrella of a tax-advantaged plan. The client waits two years until the stock’s value is $311,000 before selling. Describe the
Name two significant limitations imposed by the NUA rule.
Are applications of the NUA rule free from 72(t) penalties?
Why might a spousal beneficiary keep an IRA in the now deceased spouse’s name?
With respect to the five-year rule, are all Roth IRAs and Roth 401(k)s aggregated in meeting the test of tenure?
A client needs to withdraw money from her Roth IRA. She is 49 years old and has contributed $57,000 into a Roth IRA, which is now worth $242,000. What are her options if she needs to withdraw$32,000 to purchase a new car? What if she needed to withdraw$65,000 to pay for an executive MBA degree?
Reconsider the IRA owner who has nondeductible contributions of $25,000 in his traditional IRA, which is valued at $300,000.He still plans to take a distribution of $20,000. What is his cost basis recovery?
An IRA owner has nondeductible contributions of $25,000 in his traditional IRA, which is valued at $300,000. He plans to take a distribution of $20,000 and understands that the nondeductible contributions have created a tax-free cost basis. He thinks that the full$20,000 will be tax-free. Is he
What special 72(t) exemptions are available only for traditional and Roth IRA owners?
What special 72(t) exemption is available to qualified plan participants?
What is the tenure requirement for a 72(t) distribution (SOSEP), should that be applied to an account?
What are the three generic exemptions to a 72(t) penalty?
Are all hardship withdrawals exempt from a 72(t) penalty?
A 72(t) penalty amounts to a 10 percent penalty for all plan types.
Describe how the RMD rules apply to a deceased participant.
Understand the RMD rules.
Understand the potential application of the net unrealized appreciation (NUA) rule to an employer-sponsored retirement plan.
Describe the rollover options for the beneficiary of a retirement asset.
Determine if a certain retirement account balance is eligible and advisable to be rolled over into another tax-deferred plan.
Understand what counts as a qualified Roth IRA distribution.
Identify the various methods of recovering cost basis.
Understand the §72(t) early withdrawal rules.
Explain the general tax treatment of retirement distributions.
A client tells you that he has established a health care POA with both of his children listed as the co-POAs. What advice would you provide him?
A client tells you that he has a living will. Who should have a copy of this document and why?
How is an indemnity long-term health care policy different from a reimbursement policy? Which one would you expect to be more costly?
How does COBRA coverage help to solve the problem of pre-Medicare postretirement health care coverage concerns?
Describe the donut hole. Has it been fixed?
Describe Medicare Part C.
Can a 65-year-old who is fully insured simply apply for Part D benefits?
What if Bill were hospitalized for 75 days, and then he goes home for four weeks before being hospitalized again for an unrelated illness for an additional 37 days. How will Medicare treat these two periods of hospitalization?
Bill is hospitalized for 75 days; then he goes home for four months before being hospitalized again for an unrelated illness for an additional 37 days. How will Medicare treat these two periods of hospitalization?
Is it true that there are an unlimited number of reserve days, but a limited number of benefit periods?
Can retirees access Medicare benefits if they file for early retirement benefits?
If a client decides to enter into a reverse mortgage contract and the value of the reverse mortgage loan at the retiree’s death exceeds the value of the house itself, then what happens to the excess loan balance? What if the value of the house exceeds the value of the loan?
Describe a reverse mortgage.
Describe a sale-leaseback transaction.
What factors should be considered by a client who is planning to relocate out of state?
What factors should be considered by someone who is planning to remain in his or her long-term residence (home) rather than relocate?
Identify the different types of advance directives and how they could be useful.

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