Categories for Retirement Income

A Stock Market Cycle and Investor Discipline

July 24, 2019 8:00 am

Every point in a stock market cycle brings its own emotional challenges for long-term investors. When volatility spikes, as it did in 2018, investors need to muster their intestinal fortitude and avoid the temptation to flee to cash. In times of extended market doldrums, as we saw in 2015-16 when stocks mostly moved sideways, investors must avoid the temptation to... View Article

Creating My Own Longevity Strategy

May 30, 2019 8:00 am

To be blunt, as part of their financial planning process, many more people should establish a longevity strategy. As we discussed in a recent blog Longevity Planning vs. The 4% Retirement Rule, there are many considerations when making these decisions. However, two primary characteristics determine which pre-retirees and retirees will benefit most: INITIAL FINANCIAL CONDITION: Retirees with “modest-sized” nest eggs relative... View Article

Longevity Planning vs. The 4% Retirement Rule

May 2, 2019 9:00 am

Last month, in our blog The 60/40 Investment Debate, we discussed a few key considerations when it comes to longevity risk. As our focus continues in a pursuit to solve this very important issue, we realize longevity planning is often confused with traditional planning for one’s future retirement. For most, today’s retirement planning only focuses on planning “to” retirement rather... View Article

The 60/40 Investment Debate

March 26, 2019 8:00 am

For decades, many individual and institutional investors have used a 60/40 asset allocation as common strategy for investing in stocks and bonds. This rule of thumb came from the work of two Nobel Prize winning economists, Harry Markowitz (1952) and Bill Sharpe (1964), and their contributions to modern portfolio theory continue to drive today’s innovation in finance. Since the dot.com... View Article

We All Love Investment Fads

February 20, 2019 10:00 am

Investment fads are nothing new. When selecting strategies for their portfolios, investors are often tempted to seek out the latest and greatest investment opportunities. Over the years, these approaches have sought to capitalize on developments such as the perceived relative strength of particular geographic regions, technological changes in the economy, or the popularity of different natural resources. But long-term investors should... View Article

Fourth Quarter 2018 Was So Much Fun

January 17, 2019 8:00 am

What did Fourth Quarter 2018 tell us about the future? Not much more than the rest of 2018 did. But in case you missed it, stocks around the globe experienced a significant decline during the quarter, a trend that began in October and accelerated rapidly in December. The downturn was widely attributed to the prospect of continued higher interest rates,... View Article

End of Year Personal Financial Planning

November 15, 2018 10:00 am

The end of the year presents a unique opportunity to look at your overall situation and take advantage of some personal financial planning. With factors like tax reform, life changes or just working towards your goals, now is an especially important time to review things. Taking what we now know about the new tax law and weaving together all of... View Article

Don’t Debate Your Retirement Income Strategy

July 19, 2018 1:00 pm

We often discuss with clients how to create a proper retirement income strategy. Given so many retirement assumptions are different in today’s environment, its probably a good idea that many investors revisit their approach, especially since we have found that the key to creating sustainable lifetime income is mostly attributed to smart financial planning and investor behavior. However, one topic... View Article

Goodbye Old Retirement Assumptions

March 22, 2018 11:00 am

Based on a 2017 Retirement Confidence Survey by EBRI, only 18% of American workers feel very confident that they will have enough money to live comfortably in retirement. With this in mind, there are numerous demographic and social changes, such as greater longevity and improvements to technology, that are fundamentally changing the ways people live after they complete their primary... View Article

How to Turn Assets Into Income: Part 3

April 27, 2017 12:00 pm

Do you know how to properly manage Sequence of Return Risk? Do you understand how the phrase “You can’t help when you were born” relates to investing? Have you determined what your safe withdrawal rate can be in retirement? If your answer is “no” to any of the following, you should keep reading: For half of my career, I’ve been surrounded with leading... View Article