Financial Planning
How Often Should I Rebalance My Portfolio?
The market is going to drag your portfolio through every mud puddle it finds. It’s your job to pick your portfolio up, dust it off, and point it back in the right direction. Rebalancing brings your portfolio back into line, and ensures that you are taking the right amount of risk through time.
Read MoreDetermining Sustainable Spending from an Investment Portfolio in Retirement
Determining the sustainable spending rate from a diversified investment portfolio in retirement requires making decisions about longevity and market returns. The final section in this chapter provides an opportunity to integrate this discussion in order to obtain a better sense about sustainable…
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What To Make of Market Volatility
In recent days, the significant market decline has resulted in renewed anxiety for many of you (I know this is blatantly obvious but stick with us). While it may be difficult to remain calm during a substantial market decline, it is important…
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The Coronavirus and Its Effects on the Market and Your Retirement
Just like many other areas of life, the novel Coronavirus is having a significant impact on the financial markets.
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Two Philosophies for Retirement Income Planning Part Two: Safety-First School
This article is part of a series; click here to read Part 1. The safety-first school of thought was originally derived from academic models of how people allocate their resources over a lifetime to maximize lifetime satisfaction. Academics have studied these models…
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Two Philosophies for Retirement Income Planning Part One: Probability-Based
Within the world of retirement income planning, the siloed nature of financial services between investments and insurance leads to two opposing philosophies about how to build a retirement plan. There is an old saying that if the only tool you have is…
Read MoreThe Retirement Researcher Manifesto – Part Two
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…
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The Retirement Researcher Manifesto – Part One
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…
Read MoreOverview Of Retirement Income Planning – Part Two
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…
Read MoreOverview Of Retirement Income Planning – Part One
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…
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Strategies To Consider When Building An Effective Retirement Income Plan
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…
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Women and Financial Planning
“Think equal, build smart, innovate for change”. It is a time to applaud the progress of women’s achievements around the world. However, even with incredible progress, women face unique circumstances when approaching retirement.
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