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

How to find previous 401(k) accounts

Retirement savers are advised to contact their former employer's human resource department to recoup the 401(k) assets they left with the firm, according to The Motley Fool. Those who don't know their past employer's contact information may need to look for their old 401(k) statement, which has these details, or they may use the National Registry of Unclaimed Retirement Benefits to trace retirement benefits. Clients who can't find their former employer may also consider corporate mergers as the company may have been acquired by another firm. –The Motley Fool

Do-it-yourself retirement planning for the self-employed

For self-employed clients, retirement saving can be challenge but they can start by contributing to an IRA, according to CNBC. However, contributions to a traditional or Roth IRA are limited, and some are not allowed to contribute if their annual income exceeds a certain threshold. Those who cannot contribute to an IRA may consider a SEP IRA or SIMPLE IRA. –CNBC

Saving for retirement? What to watch out for in 2016

Retirement investors can expect financial advisors to put their interest first as the Labor Department is likely this year to implement fiduciary rules for professionals providing retirement advice, according to MarketWatch. More states are also likely to create state-sponsored retirement plans this year, while more employers are expected to adopt an automatic enrollment policy for their 401(k) plans. The government and companies will continue to offer financial education and help protect investors and consumers this year. –MarketWatch

Favorite misleading statistic on Americans' retirement savings

While many experts are citing many people's poor retirement saving status in calling for expanding Social Security, the statistic behind this is actually misleading, writes Forbes contributor Andrew Biggs. Based on data from the Government Accountability Office, 52% of households with a member aged 55 or older have no retirement savings, but researchers failed to point out that many of these households are receiving pension payments, Biggs argues. Many of these households are unable to save because they receive very low income, but poor people are likely to receive Social Security benefits that are equal to their pre-retirement earnings based on a report from the Congressional Budget Office, he explains. –Forbes

How to navigate Social Security and optimize your benefits

Couples who are approaching retirement have still options to make the most of their Social Security benefits despite the passage of a new law that scraps two popular claiming strategies which enabled many couples in the past to maximize their benefits, according to the U.S. News & World Report. Some pre-retirees can still use these strategies depending on their birth date, while those who can't need to explore and study other options. Before making a decision, pre-retiree couples need to talk to a financial adviser to know the best strategy available to them. –U.S. News & World Report

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