Our daily roundup of retirement news your clients may be thinking about.

5 biggest retirement planning changes for 2015

Clients need to be aware of the various changes that will affect retirement planning next year, according to an article on Forbes. The changes are decreased creditor protection for inherited IRAs and the inclusion of qualified longevity annuities in 401(k) plans. Those who engage in retirement planning also need to know that there will be a reduction in the number of IRA to IRA rollovers, an increased access to annuities in target date funds; and the creation of the myRA. –Forbes

The hidden pitfalls of collecting Social Security benefits from your ex

Clients who want to file for a spousal benefit on their former spouse's record before full retirement age need to know that their plan is in sync with the Social Security Administration's "deeming" rules, according to an article on Time Money. Also, if these clients meet all the requirements, they will be allowed to file for a spousal benefit, but the move would also mean they will be filing for their own retirement benefit, which will be reduced as they haven't reached their FRA. –Time Money

3 top dividend stocks for retirees to buy

To ensure they get steady income stream from their stock investments, retirees are advised to choose quality companies with a good record of giving dividends and share backs to shareholders, according to this article on Motley Fool. Some analysts identify stocks of Whole Foods, Target, and Diageo to be top three dividend stocks for retirees to consider. Read what the experts said about these stocks. –Motley Fool

When can I get my inherited Roth IRA?

No tax rules stop beneficiaries of Roth IRAs from taking withdrawals from the account, according to an article on MarketWatch. However, the heirs' access to the funds is restricted by financial institutions where these funds are invested. These financial firms may have put the funds in investments with access limitations but Required Minimum Distributions are allowed by most of these products. –MarketWatch

How not to outlive your retirement savings

New retirees and pre-retirees can avoid outliving their nest eggs if they continue working instead of cutting off their career, and deferring their Social Security benefits, according to this article on CBS Moneywatch. Switching from a traditional to a Roth IRA and using the bucket approach to budgeting are also ways for retirees to ensure their savings will last. Retirement savings will be conserved if retirees opt to relocate to a place with lower cost of living and pay off debt as early as they can. –CBS Moneywatch

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