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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...
Sunday, September 21, 2025

Using the Actuarial Approach to Avoid Financial Traps in Retirement

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Like you, we read many articles on the Internet that dispense financial advice to retirees. This one entitled, “ 11 Financial Traps Retirees...
Saturday, September 6, 2025

Self-Insuring Your Long-Term Care? What is the Present Value of Your Future Long-Term Care Expenses?

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At How Much Can I Afford to Spend in Retirement? we encourage retired households to periodically compare the present value of their retir...
Sunday, August 31, 2025

No Reason to be so Conservative, Dr. Pfau

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In his Rethinking 65 article, Slow and Steady Wins the Retirement Funding Race , Ed Prince outlines Dr. Wade Pfau’s “conservative formula f...
Saturday, August 23, 2025

Ditch Monte Carlo Modeling and Embrace the Actuarial Approach

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Thanks to Kitces.com and Justin Fitzpatrick for once again informing financial advisors and retired DIYers that there are better metrics a...
Wednesday, August 20, 2025

Measuring Retirement Risks

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This post is a follow-up to our post of September 2, 2023, Manage Your Financial Risks in Retirement Like an Actuary , and is in response t...
Wednesday, August 13, 2025

Passage of OBBBA Deepens Social Security’s Funding Hole

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This post is a follow-up to our post of June 18, 2025 in which we addressed the magnitude of Social Security’s long-term funding hole bas...
Monday, August 11, 2025

Primary Reason Why Lifetime Income Products are Generally Better Investments for Retirees than Bonds

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We advocate a Safety First (or Liability-Driven) Investment strategy for retired households which anticipates the use of relatively low-ri...
Sunday, July 27, 2025

Should You Build a Social Security Bridge?

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This month, the Bipartisan Policy Center released “ Hedging the Risk of a Longer-than-Expected Life—The Value of a Social Security Bridge St...
Sunday, July 20, 2025

Use the Actuarial Financial Planner and Actuarial Process to Successfully Implement a Coast-Fire Strategy

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 In his June 25, 2025 Kitces.com post, Adam Van Deusen encouraged financial advisors to help their clients understand when they may have ...