Changing Risks in Retirement

By Wade Pfau, Ph.D., CFA

It is important to understand from the very outset how changing risks are primarily what separate retirement income planning from traditional wealth management. Retirees have less capacity for risk, as they become more vulnerable to a reduced standard of living when risks…

The Retirement Researcher Manifesto – Part Two

By Wade Pfau, Ph.D., CFA

This article is part of a series; click here to read part One. Let’s continue to review the last 3 guidelines in the manifesto for my approach to retirement income planning. Approach retirement income tools with an agnostic view The financial services…

The Retirement Researcher Manifesto – Part One

By Wade Pfau, Ph.D., CFA

As I have attempted to summarize the key messages and themes that have underscored my writing and research, I find that the following eight guidelines serve as a manifesto for my approach to retirement income planning. It is helpful to start with…

Overview Of Retirement Income Planning – Part Two

By Wade Pfau, Ph.D., CFA

This article is a part of a series; click here to read Part One. With investment solutions, a more comfortable lifestyle may be maintained for those willing to invest aggressively in the hope of subsequently earning higher market returns to support a…

Overview Of Retirement Income Planning – Part One

By Wade Pfau, Ph.D., CFA

Strong disagreements exist about how to position a retiree’s assets to best meet retirement goals. Two fundamentally different philosophies for retirement income planning—which I call probability-based and safety-first—diverge on the critical issue of where a retirement plan is best served: in the…

Strategies To Consider When Building An Effective Retirement Income Plan

By Wade Pfau, Ph.D., CFA

The challenge in building an effective retirement income plan is to use available income tools and tactics in a strategic manner to meet the financial goals of retirement while also managing the risks confronting those goals. The financial goals of retirement include…

2019 – Q3 Quarterly Market Review

By Retirement Researcher

2019 – Q3 Quarterly Market Review

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 Stocks Safer in the Long-Term?

By Bob French, CFA

When you’re investing, you need to focus on the long-term. This is one of those pieces of received wisdom that everyone has heard, and most people at least pretend to believe it, but it’s often wildly misinterpreted. There’s this idea out there…

The Yield Curve is Inverted. Don’t Panic.

By Bob French, CFA

Wednesday was another “interesting” day in the markets. The S&P 500 Index was down almost 3% on the day – and follows on the heels of last Monday, where the market was also down nearly 3%. It’s been an eventful week and…

How to Create Reliable Income Sources with Bond Ladders, SPIA’s and DIA’s

By Kyle Meyer

The change from working and saving to not working and spending from your portfolio is daunting. Layered on top of these “normal” concerns are today’s troubling headlines. This “headline risk” has contributed to recent market volatility. While we understand that this volatility can cause one to be nervous, our view is that no matter the market, one can always be worried about it. So, what should you be doing now or in the future if you have these concerns?

What Does it Mean to Call China a Currency Manipulator?

By Bob French, CFA

Monday (August 5th, 2019) was a chaotic day for both the world economy and markets. We want to break down what’s happened, and how that will likely impact your investments.