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

What people regret the most in retirement

Many retirees left the workforce too early, while others did not travel in the early years of retirement. Both are decisions that they regret later in their twilight years, according to this article on CNBC. Other retirees also regret spending too much early in retirement and having unrealistic investment returns. Failing to plan for free time and collecting Social Security benefits before reaching full retirement age are also decisions that many retirees would redo if they could turn back time. -- CNBC

Critical pension decision at retirement

Considering a surviving spouse's financial security has helped a couple in choosing a pension payout option, Susan Pool, a senior vice president of TrueNorth, told her clients. A husband originally planned to choose a half-pension benefit for his wife in order to increase his payout as he sought to retire earlier expecting that he would predecease his wife. However, the couple's debt and the wife's ability to keep the family house made it practical for him to choose the option with the full survivor benefit, along with a limited spending budget. -- The Wall Street Journal

Three solid ways to save for college -- and retirement

Holding a Roth account is a good strategy for clients to save for retirement and college, as it will allow them to make tax- and penalty-free withdrawals before reaching 59 1/2, according to this article on Forbes. They may also contribute to state-sponsored, tax-sheltered 529 plan and prod family members to contribute to the plan in lieu of giving gifts at holidays and birthdays. -- Forbes

3 retirement planning must-dos for 20-somethings

Young workers who participate in their employer-sponsored 401(k) plan are advised to not leave free money on the table and instead contribute enough to get the firm's match contributions, according to this article on CBS Moneywatch. They also need to consider other ways to save for retirement, such as opening a Roth IRA or contributing to a health savings account. Student loan debt is a major financial challenge for workers in their 20s, so they may consider refinancing these loans or consolidating them to reduce the burden of payment.  --CBS Moneywatch

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