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

Retirement tips for singles

Like married couples, single clients need to engage in retirement planning to ensure they enjoy their golden years. When planning for retirement, they are advised to develop an estate plan and have an emergency fund that can cover six months of expenses. Also, singles need to have their credit score improved, a backup plan in case they become disabled and be aggressive in building a retirement nest egg. –Nasdaq

9 smart retirement strategies for women

Women are likely to live longer but are actually saving less compared with men. To prepare adequately for retirement, women need to start saving as early as they can, consider having a spousal IRA and invest in the stock market. They also need to make the most of their Social Security benefits, make sure their spouses name them beneficiaries of their retirement accounts and take advantage of catch-up contributions in their retirement plans. Other strategies for women to secure their finances in retirement are to claim survivor benefit on their spouse's pension plans, negotiate retirement assets if they are divorcing their spouse and consider getting long-term-care coverage. –Kiplinger

Think you'll work in retirement? Better plan now

Clients who intend to continue working in retirement are advised to plan ahead to make sure it will happen. They need to remain as healthy as possible and urge their spouses to do the same so they won't for be forced to quit their jobs to take care of each other. They also need to update their skills, consider a low-paying job if their cognitive and other abilities are likely to deteriorate and find ways to reduce their living expenses. Having a "plan B" and becoming financially flexible are also recommended. –CBS Moneywatch

Your retirement prospects are bleaker than ever

Although the federal government now offers a retirement savings program --dubbed MyRa-- to encourage people who have no access to employer-sponsored retirement plans in the workplace to save for their golden years, the program may not be a big help because of its low limits and low-yielding investment options, writes Dean Baker, co-director of the Center for Economics and Policy Research. A better alternative is a state-run retirement savings program which Illinois has adopted and other states are considering, Baker says. Such a retirement program would be accessible to more workers and more portable for them when changing jobs, while participation in the program would be by default and its costs would be lower compared with private plans, Baker adds. –Los Angeles Times

All older people should keep a ‘death book’

Couples who are in their advance years are advised to record retirement income and other essential information in a "death book." The book should indicate sources of income for the surviving spouse, such as Social Security survivor benefits, pension and immediate annuity payments and savings. –MarketWatch

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