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Thursday, April 23, 2020

A Simpler Alternative to Our Recommended Financial Planning Process?

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In this post, we will compare our Recommended Financial Planning Process with a retirement income strategy recently suggested by Steve Ve...
Saturday, April 18, 2020

Yes, Retirees and Near Retirees Can, and Should, Plan for Stock Market Crashes

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From time to time we come across an article in the personal retirement planning media that we have significant problems with.  Kristen M...
Wednesday, April 15, 2020

Retirees -- Should You Defer Commencement of Your Social Security Benefits?

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In our last post , we briefly mentioned that recent decreases in interest rates favored deferring commencement of U.S. Social Security b...
Saturday, April 11, 2020

Discount Rate / Investment Return Assumption for Actuarial Budget Calculators

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This post is a follow-up to our post of March 9, 2020 , “ What is the Cost of Lifetime Real Dollar Retirement Income? ”  Since we release...
Tuesday, April 7, 2020

Social Security: Bad Luck for Those Born in 1960?

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In addition to killing many people worldwide and causing significant disruption to many aspects of our lives, it looks like the Coronavirus...
Sunday, April 5, 2020

Funding Essential Expenses in Retirement

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This post is a follow-up to our posts of November 8, 2019 , “Use the Actuarial Approach to Implement your ‘Safety-First’ Retirement Income ...
Saturday, March 28, 2020

Is Your 94% Monte Carlo “Safe” Retirement Plan Still Safe?

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Inspiration for this post comes from Michael Finke’s excellent Advisor Perspective article, “ How Financial Plans Must Adapt to Market Crash...
Sunday, March 22, 2020

Good Time to Up Your Financial Knowledge Game

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It is possible that this Coronavirus pandemic will produce significant changes that will result in your government and your employer assum...
Tuesday, March 17, 2020

Ok Retirees, What is Your Plan Now that Stocks Have Entered a Bear Market?

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Despite a 6% increase today (March 17), the S&P 500 index is down almost 22% for the year and almost 25% for the last month.  We are no...
Friday, March 13, 2020

Your Retirement Plan Should Incorporate Reasonable Goals, Assumptions and Processes

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In his March 11, 2020 guest post in Michael Kitces Nerd’s Eye View , Charles Fox  “shares how a more robust analysis that accounts for real...