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.
Two Philosophies for Retirement Income Planning Part Two: Safety-First School
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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 since the 1920s to figure out how rational people make optimal decisions. In […]
Two Philosophies for Retirement Income Planning Part One: Probability-Based
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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 a hammer, then everything starts to look like a nail. This tendency is […]
The 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 profession is generally divided between two camps: those focusing on investment solutions and […]
The Retirement Researcher Manifesto – Part One
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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 these guidelines because I will ultimately talk about how to implement these guidelines […]
Overview 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 higher income rate. Should decent market returns materialize and sufficiently outpace inflation, investment […]
Overview 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 risk/reward trade-offs of a diversified and aggressive investment portfolio, or in the contractual […]
Women and Financial Planning
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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.
Charitable Planning Strategies for the Fragile Decade
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Many people do not consider charitable gifting strategies to help optimize their retirement plans, though they might benefit their overall plans.
The Impact of Unexpected Inflation
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Inflation and the four L’s of retirement: longevity, legacy, lifestyle, and liquidity.