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Saturday, July 5, 2025

Actuaries Live for Mortality

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In this weekend’s Kitces.com Weekend Reading for Financial Planners (July 5-6) , Adam Van Deusen discusses three articles concerning the i...
Wednesday, July 2, 2025

Should Your Plan Anticipate Future Social Security Benefit Cuts?

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In light of the recent release of the 2025 OASDI Trustees Report, there has been considerable news concerning Social Security’s financial ...
Saturday, June 28, 2025

NASI Fumbles Facts Regarding Primary Cause of Social Security’s Funded Status Deterioration

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This month, the National Academy of Social Insurance (NASI) released “ Social Security at 90: Policy Options for Strengthening the Program’s...
Wednesday, June 18, 2025

Long-Range Social Security Financing—It’s Worse Than We Predicted

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In our post of February 15, 2025 , we estimated Social Security’s financial status as of January 1, 2025 using: results from the 2024 OASDI ...
Sunday, June 8, 2025

Kitces.com Suggests Advisors Include an Actuarial Approach in their Consulting Toolbelt

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In its Weekend Reading for Financial Planners (June 7-8) , Kitces.com and Adam Van Deusen included a link to and summary of our April 28, 20...
Tuesday, June 3, 2025

Funded Status—The Better Metric for Managing Assets and Spending in Retirement

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As we have indicated many times in prior posts, the future isn’t going to happen as you (or your financial advisor) assume, and your spend...
Saturday, May 31, 2025

Planning for Essential Expenses in Retirement

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One of the basic tenets of the Actuarial Approach recommended in this website is to fund the present value of expected essential expenses i...
Sunday, May 25, 2025

Don’t Forget Your Taxes, Part II

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This post is a brief follow-up to our post of May 6, 2023 in which we reminded you that taxes are essential expenses that must be planned ...
Wednesday, May 7, 2025

Are You Still Worried About Increasing Your Spending?

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In our last post , we tried to encourage retirees afraid of (or behaviorally resistant to) spending their wealth to consider increasing th...
Saturday, April 26, 2025

Use the Funded Status Metric and a “Surplus Bucket” to Increase Spending in Retirement

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Most of us are relatively conservative when it comes to determining how much we can afford to spend in retirement. All things being equal, ...