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

Don’t let clients drag their mortgage into retirement
Data from the Consumer Financial Protection Bureau show that more baby boomers make the mistake of carrying mortgage debt into their golden years, according to this article in The Washington Post. Clients are advised to avoid this mistake to improve their financial prospects by retirement, experts say. "My philosophy with regard to debt is when you retire your debt should be retired," says Ken Moraif, senior financial adviser with Money Matters. -- The Washington Post

Stay-at-home parents lose out on retirement savings
Parents who stay at home and are devoted to managing households are less likely to engage in financial planning and save for retirement, according to this article on Fox Business. Although retirement saving is difficult given the unpaid nature of their work, homemakers need to develop the habit of saving and develop a plan so they can improve their retirement prospects, says Catherine Collinson, president of the Transamerica Center for Retirement Studies. "Working part-time is a wonderful way for homemakers to earn income, gain access to employer-sponsored retirement benefits, such as a 401(k) or similar plan, and help build an earnings history for future Social Security benefits," Collinson says. -- Fox Business

Should strategic investors also be tactical investors?
Less disciplined investors who are approaching retirement may consider managing half of their investment portfolio strategically and handling the other half using a tactical approach, according to this article on MarketWatch. This approach relies on a computer-algorithm-driven program that allows clients to enter and leave the market at specific times. Unlike market timing, tactical investing uses "a price-reactive algorithm to identify and execute market investment entry, exit and re-entry points." -- MarketWatch

Retirement savers are losing ground - and it's their own fault
A report from BMO Harris Bank indicates that only 43% of Americans gave retirement "some thought", with 38% having no thought about their golden years at all, according to this article on DailyFinance. Although 75% of workers under 60 hold a 401(k) or an IRA, many retirement investors seem to be under-invested in their retirement portfolios, the report says, adding that a majority of retirees advised pre-retirees to open "a 401(k) and/or IRA account as soon as possible." Also, "today's retirees are satisfied with their retirement lifestyle -- what they have learned with the retirement planning process can serve as a model for future generations as they plan for their golden years," says BMO Harris Bank's Stuart Thompson. -- DailyFinance

3 easy ways for clients to save for retirement
Taking advantage of employer match contributions in 401(k) plans is an easy strategy for workers to boost their retirement savings, according to this article on CNBC. Working clients may also seek a salary increase from their employers to have more money set aside for their golden years. Also, 401(k) participants need to reduce administrative costs and investment expenses by increasing their portfolio's asset allocation in lower-cost index mutual funds. -- CNBC

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