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

How annuity guarantees can improve your love life

Buying an annuity can guarantee clients and their spouses a guaranteed income stream for life, writes Stan Haithcock. Such a move will help improve relationships among couples, as the 2008 market downturn hurt many investments and caused a strain in relationships between investors and their spouses, Haithcock says. "Your better half will love you for making sure that everything is contractually taken care of when you pass away." –MarketWatch

Retire to one of these 5 great small cities

Raleigh, N.C., Pittsburgh, Pa., and Lexington, Ky., are among the five small cities that are affordable and tax-friendly to retirees, according to an article on Time Money.

The two other cities where retirees can enjoy lower taxes and commodity prices are St. Petersburg, Fla., and Boise, Idaho. –Time Money

Retirement: Is the 4% rule still relevant?

Although the 4% retirement withdrawal rate is the rule of thumb, the rule does not apply to all retirees because they have different circumstances, according to experts. "I do believe withdrawal rates need to be monitored continuously during retirement. It's not something you just set up once and not look at again," says Dan McElwee, executive vice president of CFP Ventura Wealth Management. –USA Today

Advisers’ resolutions include adding talent, robo services

Some financial advisers share their New Year's resolutions as well as plans on how to carry out these resolutions. John Piershale, a wealth adviser with Illinois-based Piershale Financial Group, intends to tackle Social Security options with his clients more frequently, saying they need to "fully understand their Social Security options before they file for benefits.” To achieve this goal, Piershale will broaden his knowledge about Social Security rules by attending more conferences and educational workshops. –The Wall Street Journal

Social Security Q&A: If filing early, should I take ex-spouse's or retirement benefits first?

A client can collect a spousal benefit on her former spouse's record if their marriage lasted at least 10 years, according to an article on Forbes. Filing for a spousal benefit would mean claiming her own retirement benefit, and if she is below full retirement age, she would receive an excess spousal benefit, which could be a very small amount. The best strategy for her would be to get full spousal benefit at FRA and to defer her own retirement benefit until she reaches 70. –Forbes

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