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Tuesday, December 31, 2024

It’s Time, Once Again, to Measure Your Funded Status

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Happy New Year! It’s the time of year that we ask you to perform your actuarial valuation to measure your Funded Status. We have updated th...
Wednesday, December 25, 2024

Better Planning Starts with Granular Budgeting, Part II

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This post is a follow-up to our post of November 19, 2024 .  In it, we discuss how updating your spending budget each year is an important...
Sunday, December 22, 2024

How Long Do You and Your Spouse Plan to Live?

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This post focuses primarily on the implications of assuming, or planning, to live longer than one’s life expectancy.  For the purpose of th...
Saturday, December 14, 2024

Should You use a Dynamic Process with Guardrails to Keep Spending on Track in Retirement? Yes, But Not with a Monte Carlo Model Typically Used by Financial Advisors

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This post is a follow-up to our post of March 7, 2021 and several other of our posts and articles noting that a model like the Actuarial ...
Monday, November 25, 2024

The Actuarial Approach--Better Than The 4% Rule, Simpler Than Monte Carlo Modeling and More Effective Than Either

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Looking to keep your spending on track and consistent with your spending goals in retirement? Forget the 4% Rule and complicated Monte Car...
Tuesday, November 19, 2024

Better Planning Starts with Granular Budgeting

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Thanks to Rivan Stinson for teeing up the Actuarial Approach in Stinson’s recent Washington Post article titled, “ Retiring soon? Plot a det...
Sunday, November 17, 2024

How Bad is Social Security’s Financial Condition?

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This post is a follow-up to our post of October 14, 2024 entitled, “Social Security Financing---When You’re in a Hole, Stop Digging.” In ...
Thursday, October 24, 2024

Are You Financially Better Off Today Than You Were on January 1, 2021?

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According to many of the talking heads at Fox and other conservative media sources, a huge factor in selecting who to vote for in the upco...
Monday, October 14, 2024

Social Security Financing--When You’re in a Hole, Stop Digging

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In this website, we encourage retired households to periodically (generally annually) compare the present value of their assets with the ...
Sunday, September 15, 2024

Don’t Undervalue Your Sources of Lifetime Income

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Kudos to the American Academy of Actuaries (AAA) for releasing a new Issue Brief encouraging public pension plan administrators to provide...