Featured Articles

RISA™ Update

Hello everyone, I wanted to provide a quick update on where we are on the Retirement Income Style Awareness ™ (RISA) investigation. There was a pause in the action after the deadline because I took my summer break and we moved our offices in Virginia- we are still in McLean (only a mile from our…

Are the Markets’ New Highs the Current Worry?

There are a handful of times a year when certain events precipitate a market drop. So much so, that we feel it is helpful to provide perspective on why investing in the stock market is a great way to help you build your asset base so when you retire you can better generate retirement income…

What Does Your Funded Ratio Score Mean?

We are really fond of the Funded Ratio because it allows us to provide a numerical picture of your retirement income plan. In our retirement income optimization process, you can create a framework by providing your preferences for your financial objectives and the subsequent ways you want to fund them with essential and discretionary expenses.…

How Should I Spend My Money in Retirement?

The whole point of saving your money is to be able to use it in the future. You’ve spent decades saving for retirement, so you want to use the money in the most effective way possible. When you take money out of your portfolio, we try to optimize in two different directions: Using your distributions…

Introduction

Hi, I’m Alex and welcome to our research study. I know you will find it valuable but first I’m sure you want to “who am I to be running this?”

That’s a great question so here goes…. I graduated from The George Washington University with a doctorate in Psychology. I was a successful student as I received a research grant as a fellow for the National Institutes of Health. It is here where I learned the foundation of what a scientist-practitioner was all about.

Upon graduating though, my research interests evolved to investments, and I sought a formal career in the financial industry. Staying true to my scientist-practitioner mindset, I joined McLean Asset Management and was able to publish a number of articles, and one went on to win a fancy award too! I also, founded a financial planning software company with Wade to better serve the industry and our underlying clients.

And now, Wade and I have decided to focus our efforts on the RISA™. We are extremely excited about its potential to impact your lives for the better.

What else?

I’m as of this writing 47 years-old. I live with my wife, Kristi. We have three boys, a wild bunny running around in our backyard, and a dog named Mandy.

Now here is the “just the facts version” for those of you that want to get right to it.

Alex Murguia, Ph.D. is the CEO of Retirement Researcher and Managing Director of McLean Asset Management. He has written in numerous industry journals such as the Journal of Financial Planning and has been recognized nationally for his work. He has also been interviewed and quoted for his thoughts about retirement, financial technology and wealth management in various industry and widely distributed publications such as the New York Times and the Wall Street Journal and is a frequent speaker at various industry conference. He has also founded a financial planning software used across the industry.

RISA™ Update

By Alex Murguia, PhD

Hello everyone, I wanted to provide a quick update on where we are on the Retirement Income Style Awareness ™ (RISA) investigation. There was a pause in the action after the deadline because I took my summer break and we moved our…

Are the Markets’ New Highs the Current Worry?

By Alex Murguia, PhD

There are a handful of times a year when certain events precipitate a market drop. So much so, that we feel it is helpful to provide perspective on why investing in the stock market is a great way to help you build…

What Does Your Funded Ratio Score Mean?

By Alex Murguia, PhD

We are really fond of the Funded Ratio because it allows us to provide a numerical picture of your retirement income plan. In our retirement income optimization process, you can create a framework by providing your preferences for your financial objectives and…

How Should I Spend My Money in Retirement?

By Alex Murguia, PhD

The whole point of saving your money is to be able to use it in the future. You’ve spent decades saving for retirement, so you want to use the money in the most effective way possible. When you take money out of…

A Vanishing Value Premium?

By Alex Murguia, PhD
[vc_row][vc_column width=”1/1″][vc_column_text] At McLean, we tilt our investment portfolios toward value-weighted companies, and we have a fair exposure to small-cap companies. We do this internationally and domestically because there is a higher expected return premium (i.e., value stocks outperform growth stocks and…

Can you time the market?

By Alex Murguia, PhD

We preach investing for the long term to accomplish your objectives, but we’re still human, so we understand the temptation to try to anticipate market movements and invest accordingly. Even though countless phrases warn against attempting to time the market, our emotions…

Whether Gold Prices Are Up or Down, You Should Stay Away

By Alex Murguia, PhD

Along with China and the potential implications of rising interest rates, many stories have come out this week heralding the fall of gold and the new world we now live in as a result. It seems only a few years ago, we were…

For Couples, Not Talking About Money Can Be Costly

By Alex Murguia, PhD

I was stunned to read the first paragraph of this article. “Do you know how much money your spouse makes? …According to a biannual retirement survey of over 1,000 couples by Fidelity Investments, it’s a question 43% of couples can’t answer—up from 27%…

Bucket of Cold Water Dumped on this Investing Strategy

By Alex Murguia, PhD

Poor Greece. Not even the Greek alphabet has been given safe quarter these past weeks. Perhaps it is the ever increasing popularity of ETF strategies and the continuing underwhelming performance of active managers, but one thing is clear if you are trying…

Can Indexing Become Too Big?

By Alex Murguia, PhD

This is an issue that comes up as a last ditch effort to attempt to sway the active/passive argument in the active direction. It’s as if after a wave of articles that show the shortcomings of trying to outguess the markets an…