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Sunday, January 11, 2026

Measuring and Managing Financial Risks in Retirement

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In prior posts, we’ve discussed the three M’s that constitute the actuarial process for keeping your spending in retirement on track and ...
Wednesday, December 31, 2025

It’s Time, Once Again, to Measure Your Funded Status

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Happy New Year! It’s the time of year that we ask you to perform your actuarial valuation to measure (or re-measure) your Funded Status. W...
Saturday, December 20, 2025

Default Assumptions for 2026 Actuarial Financial Planner

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We’ve increased the default investment return/discount rate for risky investments/discretionary spending from 8% to 10%. All other assumpt...
Saturday, December 13, 2025

How Long Do You and Your Spouse Plan to Live, Part 2

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This post is follow-up to our post of December 22, 2024 and will again highlight the benefits of using the Actuaries Longevity Illustrator ...
Sunday, December 7, 2025

U.S. Actuarial Profession Develops a New Story Explaining Social Security’s Financial Decline Since 1983

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After enactment of the Social Security Reform Act of 1983, Social Security actuaries determined OASDI’s (Social Security’s or the system’s...
Sunday, November 9, 2025

How Much More Can You Afford to Spend in 2026?

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It’s not too early to start planning your spending for 2026 even though you haven’t yet determined your January 1, 2026 Funded Status. You...
Monday, October 27, 2025

The Actuarial Approach Addresses the “Big Flaw” in Most Decumulation Approaches

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Recently, in her Motley Fool article, A Big Reason the Famous 4% Rule May Not Work for Your Retirement , Maurie Backman confirmed what we h...
Monday, October 20, 2025

The Only Other Spending Rule Article You Will Ever Need?

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A little more than ten years ago, the Financial Analysts Journal released “The Only Spending Rule You Will Ever Need” by M. Barton Warning...
Saturday, October 18, 2025

Front-Loading Spending in Retirement

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As discussed in our previous post of September 28, 2025 , there are lots of levers in the Actuarial Financial Planner (AFP) that can be pu...
Sunday, September 28, 2025

How Conservative is Your Decumulation Plan?

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If the assumptions used in your retirement decumulation plan (including the important assumptions that the assets you plan to receive, and...