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Friday, January 31, 2025

How Much Can You Afford to Spend, Not Withdraw, in Retirement?

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Since our very first post in 2010, our focus has been on helping households determine how much they can afford to spend each year in retire...
Thursday, January 23, 2025

Beware the Retirement Income Death Spiral

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In his article, “T he Retirement Income Death Spiral ,” retirement researcher James B. Sandidge concludes that, “[there] is not a smooth t...
Sunday, January 19, 2025

Retirement Researcher Advocates Actuarial Concepts for Adjusting Spending in Retirement

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  September 25, 2025 Supplement Dr. David Blanchett, Head of Retirement Research at PGIM DC Solutions, has been recently active on LinkedI...
Saturday, January 11, 2025

Measuring and Managing Your Financial Risks in Retirement

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In prior posts, we’ve discussed the three M’s that constitute the actuarial process for keeping your spending in retirement on track and ...
Friday, January 10, 2025

What’s the Present Value of Your Accumulated Savings?

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If you are not an actuary, you may not be familiar with present values. This basic actuarial concept is integral to determining your Funde...
Sunday, January 5, 2025

Why It’s Important to Monitor Your Funded Status from Year to Year

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We encourage you to remember the following 3Ms when determining how much you can afford to spend in retirement: Measure your Funded Status ...
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 ...