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Sunday, December 6, 2020

How Should Future Social Security “Reform” Affect Your 2021 Spending Budget?

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In the next few months, we will be encouraging you to perform an actuarial valuation of your assets and future spending liabilities to det...
Thursday, December 3, 2020

Why the Actuarial Approach Blows the Sox off Strategic Withdrawal Plans, Part II

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Subsequent to release of our previous post , we received a suggestion from one of our readers that we show Bill and Jim’s spending graphic...
Tuesday, December 1, 2020

Why the Actuarial Approach Blows the Sox off Strategic Withdrawal Plans (SWPs)

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(Hint:  The Actuarial Approach focuses on how much you can afford to spend each year, not how much of your invested assets you can safely ...
Wednesday, November 25, 2020

We’ve Updated Our Two Actuarial Budget Calculators for Retirees

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We recently received a suggestion from one of our readers that resulted in changes to our two ABCs for retirees. The suggestion came from ...
Saturday, November 21, 2020

Managing Your Finances in Retirement

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Every once in a while, we come across an article in the retirement-focused press that contains what we believe to be reasonably good finan...
Wednesday, November 18, 2020

Actuaries Submit Comments on LISE Calculation and Disclosure Rules

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On November 17, the Lifetime Income Risk Joint Committee of the American Academy of Actuaries submitted comments regarding the DOL/EBSA In...
Wednesday, November 4, 2020

Free Planning Data from the CBO

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Every year, the Congressional Budget Office (CBO) releases its 30-year projection of U.S. federal deficits, debt, spending, and revenues a...
Wednesday, October 28, 2020

Adjust the 4% Rule Enough and You Might End Up with Something as Good as the Actuarial Approach—Part 3

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Despite its obvious flaws, the 4% Rule of thumb for determining “safe” withdrawals from invested assets retains its popularity among many ...
Sunday, October 18, 2020

Determining Your Asset Mix in Retirement

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One of the most important considerations in your retirement plan is how to invest your assets.  As part of our Recommended Retirement Planni...
Tuesday, October 6, 2020

Should I Buy It?

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The primary focus of this website is the relatively boring topic of budgeting.   We encourage you to use an “actuarial” process to help you...