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Saturday, November 25, 2023

“Safe” Withdrawal Rate Brouhaha

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Periodically, we read articles from William Bengen, the inventor of the safe withdrawal rate (otherwise known as the 4% Rule), from variou...
Thursday, November 16, 2023

We’ve Changed the Default Assumptions in the Actuarial Financial Planner Models

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The last time we changed the default assumptions in our Actuarial Financial Planner (AFP) models was May of last year. Because interest ra...
Saturday, November 11, 2023

Confidently Boost Your Spending in Retirement with the Actuarial Approach

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As discussed many times in this website, the Actuarial Approach employs a model and a process that involves systematic comparison of house...
Sunday, November 5, 2023

Bucketing by Expense Type with the Actuarial Approach

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Many financial advisors employ time segmentation buckets (sometimes simply referred to as “bucketing”) to help their clients fund their de...
Tuesday, October 24, 2023

Plan on Future Adjustments to Your Retirement Plan Part II

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This post is a follow-up to our post of April 16, 2023 . In that post, we said, “In our ‘real world,’ lots of things can happen in the fut...
Thursday, September 28, 2023

Automatic Funded Status Adjustments for Social Security is a Great Idea

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This month, in Any Social Security Legislative Package Should Include an Automatic Adjustment Mechanism , Alicia Munnell, Director of the C...
Saturday, September 23, 2023

Actuaries Continue to Ignore the “Valuation Date Creep” Elephant in the Social Security Financing Room

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This post is a follow-up to my July 3, 2023 Advisor Perspectives article, Applying the Actuarial Process to Retirement Planning , where I e...
Sunday, September 17, 2023

Is It a Good Time to Buy That Single Premium Immediate Life Annuity?

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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, September 2, 2023

Manage Your Financial Risks in Retirement Like an Actuary

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In his August 7, 2023 Advisor Perspectives article , Larry Swedroe, head of financial and economic research for Buckingham Wealth Partners...
Wednesday, August 23, 2023

Retirement Planning is Not an Event; It’s a Process

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I recently received an email from the folks at Retirement Researcher inviting me to attend their latest Retirement Challenge. The preamble ...