Categories for Retirement Planning

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

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

Nothing is Natural About Retirement

September 5, 2018 9:00 am

Many of our readers may be nodding their head in agreement. In fact, over the years I’ve heard more than a few people tell me that retirement is without exception an “Unnatural State”. Of course, many of us have seen the retirement research that evaluates these findings. The truth of the matter is that very few people get it right out... View Article