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 distributions from an investment portfolio in retirement. Rather than blindly applying something like…

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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 to remember that volatility is a normal part of investing. Additionally, for long-term…

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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 sustainably meeting a lifestyle spending goal for as long as one lives, providing…

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“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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We all want to minimize the amount of taxes that we owe. Municipal bonds, or munis, often seem like a great solution since they’re billed as being tax free (which we’ll talk about in a bit), but everyone else thinks so, too, which means that their prices reflect their tax advantages. This doesn’t disqualify munis as a great tool for retirement investors, but you do need to be careful about how you use them.

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Rather than developing an exhaustive list of to do’s that may or may not be appropriate for everyone, our approach is to help the client develop a retirement framework for retirement or way of thinking about retirement.  We call this the “CARE” retirement framework and it will help you build a foundation for a successful retirement.

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Rebalancing Frequency for your 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.

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