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Sunday, February 26, 2023

Using the AFP to Develop a More Aggressive Financial Plan in Retirement

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In our last post , we indicated that there are several levers in the AFP that more conservative users can employ to reflect their lower to...
Wednesday, February 22, 2023

Improving Retirement Planning by Employing Basic Actuarial and Financial Economic Principles

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In our post of July 23, 2020 entitled, “How to Fix Advisor Retirement Planning Models,” we summarized some of the problems with commonly u...
Sunday, January 22, 2023

Check These Five Boxes to See if You Are Financially Ready to Retire

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The Actuarial Financial Planner (AFP) is a useful tool to facilitate household decision-making in or near retirement. In this post we will ...
Sunday, January 15, 2023

Ongoing vs. One-Time Financial Planning in Retirement

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The Actuarial Financial Planner (AFP) advocated in this website is a relatively simple, deterministic actuarial model (i.e., it uses deter...
Tuesday, January 10, 2023

Managing Risks in Retirement

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Actuaries use models, dynamic processes and periodic risk assessments to measure and manage risks for financial systems. The same basic ac...
Monday, January 9, 2023

Updated Implied Discount Rates for Single Premium Life Annuities as of January, 9, 2023

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In prior posts, we discussed possible assumptions used by life insurance company actuaries in pricing single premium immediate life annuit...
Saturday, January 7, 2023

Automatic Funded Status Adjustments to Your Spending Budget

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The Actuarial Approach advocated in this website is a dynamic spending approach that anticipates periodic determinations (or valuations) ...
Sunday, January 1, 2023

Retirees, it’s Time to Update Your Financial Plan

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At the beginning of each new calendar year, we encourage our retired readers to perform an actuarial valuation of their household assets an...
Sunday, December 25, 2022

Here We Go Again with the 4% Rule and “Safe” Withdrawal Rates

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Last year Morningstar told us that the 4% Rule was really 3.3%. This year, based on revised assumptions about the future, they tell us that...
Friday, November 25, 2022

Updated Implied Discount Rates for Single Premium Life Annuities as of November 25, 2022

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In prior posts, we discussed possible assumptions used by life insurance company actuaries in pricing single premium immediate life annuit...