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

Social Security Q&A: How should a higher and lower earner file?
A client who has been receiving a bigger income than her spouse is advised to file for her Social Security benefits before reaching full retirement age to allow her husband, who expects to get a smaller retirement benefit, to start getting a spousal benefit, according to this article on Forbes. When he reaches 70, then he can start collecting his own retirement benefit. Meanwhile, when she reaches her full retirement age, she may want to suspend her retirement benefit until she reaches the age of 70 her as well.  --Forbes

Out-of-work boomers face tough job market
A survey by AARP shows that job-hunting is very difficult for unemployed workers who are 45 and older and the salary is lower with fewer benefits once they get hired, according to this article on MarketWatch. Also, half of respondents who are in the same age group remained unemployed or decided to leave the labor force, the survey finds. "Long after the Great Recession, too many 50-plus workers who want to work are still unemployed, and once unemployed it takes them longer on average to find jobs than younger job seekers," said AARP President Jo Ann Jenkins.  --MarketWatch

What are the Roth IRA rules?
Many people are scrambling to make contributions to a traditional or Roth IRA before the tax-filing deadline in an effort to reduce their taxable income, according to this article from Bankrate. However, those who want to contribute to these accounts need to comply with the rules set by the Internal Revenue Service. Be sure your clients know these rules on who qualifies to make contributions to IRAs and how much they can contribute to these retirement accounts.  --Yahoo Finance

Q&A: How to find the ideal retirement location
Many people find Florida and Arizona as the best places to retire, while Colorado is another popular location that many retirees also consider, according to Annette Fuller, the editor of Where to Retire magazine. These states are chosen primarily because of their warm climate, but there are also other considerations, Fuller says. "Other retirees look to the Southeast from Virginia, circling on over to Louisiana. A lot of affordable living is in the Southeast as well as beaches, friendly people and a mean glass of sweet iced tea."   --USA Today

From suits to the slopes: Retiree becomes a ski instructor
A retired corporate executive has found a fulfilling life in retirement after becoming a ski instructor, according to this article on CNNMoney. After experiencing failed investments using his retirement funds, he was able to turn things around with the help of a financial adviser who helped him build a diversified portfolio. With considerable savings, he decided to retire early and pursued skiing by providing his services as instructor to those who want to learn the sport.  --CNNMoney

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