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Tuesday, February 22, 2022

Planning on Future Decreases in Discretionary Spending? OK With Us.

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In this post we will revisit the planning implications of research that finds that household spending may decrease in real dollars as reti...
Wednesday, February 9, 2022

Reflecting Non-Financial Assets in Your Asset Allocation Strategy

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Unless you are almost totally reliant on Social Security and/or your pension benefits, one of the most important decisions you will need to...
Sunday, January 30, 2022

Stress-Testing Your Retirement Plan for Rising Interest Rates/Inflation, Part II

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One of the three basic principles of the Actuarial Approach to personal financial planning is periodically stress-testing of significant a...
Thursday, January 20, 2022

Not Spending Enough in Retirement? Plan to Spend More

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Many researchers have concluded that retirees frequently underspend their available assets in retirement. And while we are not pushing you ...
Tuesday, January 18, 2022

Hey Retirees; What Percentage of Your Retirement Assets Should be Invested in Stocks?

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In his recent Advisor Perspectives article entitled, “ Is It Still Worth Investing in Stocks? ” Fellow actuary Joe Tomlinson outlines the p...
Thursday, January 6, 2022

What Will Retirees (and their Financial Advisors) Do Now That The 4% Rule is Dead?

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We have never been big fans of the 4% Rule. One of the major reasons we started this blog in 2009 was because we didn’t particularly care f...
Saturday, January 1, 2022

It’s Time to Perform Your January 1, 2022 Actuarial Valuation

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Congratulations. You made it through 2021! In our ongoing effort to turn you all into actuaries, this post will recommend that you perform...
Sunday, December 26, 2021

Are Guaranteed Lifetime Income Products Part of Your Investment Strategy in Retirement?

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As discussed in our post of November 27, 2021 , balancing the sometimes-conflicting requirements to grow, protect and carefully spend hous...
Wednesday, December 15, 2021

How Much Did You Spend in 2021?

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The first three steps in our Recommended Financial Planning Process involve estimating your annual recurring and non-recurring expenses in...
Saturday, December 11, 2021

How Will Your Spending Change During Your Retirement?

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This post is a follow-up to our post of March 19, 2021 , “ What is Your Plan for Future Spending in Retirement? ” Impetus for this post wa...