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FOCUS

Targeting the High Net Worth Client: Realistic Goal or Elusive Quest? by Bruce W. Most
High net worth clients are the Holy Grail of financial planning these days. But is the quest realistic? And what about all those other people who need financial planning?

401(k) Education: Planners Responding to Plan Participants’ Calls for Help by Nancy Opiela
More and more workers are responsible for funding their own retirement, yet they lack basic financial education. Nancy Opiela interviews financial planners who are helping employers educate their employees, through seminars and over the Internet.

PERSONALITIES

Peg and Bob Eddy, CFP Partners in Their Own Practice, Helping Other Small Businesses by Nancy Opiela

STRATEGIES & TRENDS

PROFESSIONAL ISSUES: Cyberplanning on the Internet Frontier: What Practitioners Need to Know by Duane R. Thompson
Have you put up your own Web site or do you use e-mail? Our columnist spells out what compliance issues affect your Internet presence.

RETIREMENT: "Simple?"  by Stan Hargrave, CFP
When working with high net worth clients, the temptation is to create complex solutions. Sometimes the best answer is the simplest.

TAX PLANNING: Planning Issues in Using the Roth IRA by Regina Shanney-Saborsky, J.D.
Few tax areas have been more confusing of late than Roth IRAs. The IRS has finally clarified several issues, including conversions/reconversions and distributions.

INVESTMENT RESEARCH: When to Index? Dunn’s Law Trumps the Efficiency Theory by John Rekenthaler, CFA
It seemed like a fine theory. Indexing works best for efficient markets and active management works best for inefficient markets. Wrong, says a proponent of that fine theory.

MONEY & SOUL: Rapunzel’s Lament by Richard B. Wagner, J.D., CFP
Rapunzel’s hair and the heirs of wealth have more in common than you may realize.

THE PRACTICE: How to Get Better by Edwin P. Morrow, ChFC, CFP
Personal coaching may be just what your practice needs. Our columnist profiles several coaches and how they might help you.

BOOK REVIEWS: 9 Steps to Financial Freedom; You’ve Earned It, Don’t Lose It and The Courage to Be Rich

CONTRIBUTIONS

A Peek Inside the Certified Financial Planner Board of Professional Review by Katherine Vessenes, J.D., CFP
You’ll probably never be called before the Board of Professional Review for disciplinary action. But if you ever are, you’ll want to read this article first.

Nonqualified Stock Options: Fold or Hold? by Joel Philhours, Ph.D., CPA, and Charles T. Hays, Ph.D., CPA
Many financial planning clients these days are accumulating stock options. Like a good poker hand, the key is to know when to hold’em and when to fold’em.

Sustainable Real Spending from Pensions and Investments by Gordon B. Pye, Ph.D.
The author provides a model for determining sustainable real spending from pensions and investments in the face of uncertainty.

DEPARTMENTS

Starting Thoughts
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The Observer
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