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Monday, February 26, 2024

A Planning Process That Works

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You are responsible for your finances in retirement and need a plan that works. The Actuarial Approach, with its Funded-Status-focused pro...
Wednesday, February 21, 2024

Want a More Realistic Retirement Plan?

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If you (or your financial advisor) aren’t planning for non-recurring expenses in retirement, you probably don’t have a realistic retirement...
Monday, February 19, 2024

Time to Reduce Your Investment Risk?

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With the S&P creeping up over 5,000, it may be time for retirees to look into decreasing their investments in risky assets, especially...
Monday, January 29, 2024

American Academy of Actuaries Reinserts Caveat Language into Their Social Security Challenge/Game

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Kudos to the American Academy of Actuaries (AAA) for reinserting the following caveat language in its Social Security Challenge tool. 
Saturday, January 20, 2024

Actuaries Confuse the Primary Causes of the Social Security Funding Shortfall

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The American Academy of Actuaries (Academy) recently published its annual Actuarial Perspective on the annual OASDI (Social Security) Trus...
Friday, January 5, 2024

It’s that Time Once Again for Retired Households to Perform Their Actuarial Valuations

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At the beginning of each calendar year, we encourage our retired (or near-retired) readers to perform an actuarial valuation of their hou...
Wednesday, December 27, 2023

Fixed Dollar SPIAs vs. Fixed Rate Cola SPIAs

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In our last post, we asked whether now (or actually earlier this month) might be a good time to purchase a single premium immediate annui...
Sunday, December 10, 2023

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

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In prior posts, we discussed possible assumptions used by life insurance company actuaries in pricing single premium immediate life annuit...
Friday, December 8, 2023

Estimating Present Values of Long-Term Care Costs and Survivor Benefits Payable After the First Death Within a Couple

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The Actuarial Approach recommended in this website involves periodically (generally annually) comparing the present value of a retired ho...
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...