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Sunday, April 16, 2023

Plan on Future Adjustments to Your Retirement Plan

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Ongoing retirement planning involves making best estimate (or conservative) assumptions about the future and making necessary adjustments ...
Tuesday, April 11, 2023

Systematic Comparison of Assets and Liabilities—It’s How We Actuaries Roll

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In our last post , we discussed how Social Security actuaries compare system assets with system liabilities on an annual basis to determin...
Saturday, April 1, 2023

What is Social Security’s Funded Status?

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This post is a geeky dive into the primary metric used to measure Social Security’s funded status and how similar this metric is to the Fu...
Saturday, March 25, 2023

What’s Your Funded Status?

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While our recent posts suggesting that households focus on their Funded Status are perhaps beginning to sound like a broken record, we can...
Sunday, March 12, 2023

Focus on Your Spending Budget and Your Funded Status, Not on Withdrawals from Your Accumulated Savings

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It seems that every other article we read these days in the retirement media involves someone’s thoughts about how best to withdraw funds ...
Sunday, March 5, 2023

Why is the Actuarial Profession Reluctant to Advance Actuarial Solutions to the Decumulation Problem?

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As a retired actuary who advocates the use of basic actuarial principles and processes to help retirees and near retirees make better fina...
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...