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

How can retirees thrive during volatility? Patience is key.

When markets tumble, retirement investors are advised to check the fundamental factors to determine whether the drop is temporary or signals a broader decline, according to Forbes. A bear market is unlikely if there is no recession, and since the U.S. economy is expected to remain modest in 2016, investors should shun news and avoid making emotional decisions. Clients should accept that market volatility is normal, but those who are concerned about their investments may seek professional financial advice. –Forbes

9 money apps to keep your retirement planning on track

Clients are advised to take advantage of apps to make sure their retirement planning stays on track, according to U.S. News & World Report. The apps they will need should be for budgeting and net worth tracking and credit monitoring, like Mint, You Need a Budget and Credit Karma. Also, they will need apps for investing and debt payments, such as Personal Capital and Loan Calculator Pro, to make sure they don't drift away from their retirement plans. –Yahoo Finance

6 retirement-planning mistakes to avoid

Clients can minimize the stress when planning for retirement by making the most of the retirement planning tools available to them, according to MarketWatch. They also should avoid being misled that their portfolio is diversified or limiting their investments to one sector, and they must drop any plans of borrowing or cashing out their 401(k) assets. Clients need to make sure they have a retirement plan, avoid making the mistake of starting too late in retirement saving and reduce fees and other costs in their retirement accounts to maximize the needed returns. –MarketWatch

Break these financial habits in 2016

Retirees are advised to cease from bad financial habits this year, such as being late in calculating their required minimum distributions from their retirement plans, according to Morningstar. They also need to make sure the designated beneficiaries for their 401(k) and other retirement accounts are the same as the ones indicated in their wills and trusts. Many retirement savers should avoid holding assets in multiple retirement plans by rolling 401(k) assets with previous employers into an IRA. –Morningstar

A new approach to do-it-yourself retirement planning

People who engage in do-it-yourself retirement planning are advised to diversify their sources of income among various types of retirement income generators to minimize the risk that their portfolio won't be enough to cover their expenses, according to CBS Moneywatch. These RIGs include Social Security, systematic withdrawals from savings and dividend-paying investments. Clients may also consider working, annuity products, real estate and a reverse mortgage as other ways to generate income in retirement. –CBS Moneywatch

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