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Friday, February 21, 2025

Support Grows for Using “Funded Status” Rather Than “Probability of Success” as the Key Metric for Measuring Financial Health in Retirement

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This post is a follow-up to our post of February 13, 2025, How to Improve Decumulation Planning. Subsequent to that post, we received our c...
Saturday, February 15, 2025

Social Security Financing—When You’re in a Hole, Stop Digging Part 2

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This is a follow-up to our post of October 14, 2024 .  In this follow-up post, we will estimate Social Security’s January 1, 2025 Funded S...
Thursday, February 13, 2025

How to Improve Decumulation Planning

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We have never been big fans of Monte Carlo models for determining how much one can afford to spend in retirement from year to year. As act...
Saturday, February 8, 2025

Actuarial Financial Planner FAQs

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The Actuarial Financial Planner (AFP) workbooks (for single retirees and retired couples) are robust actuarial models integral to each of ...
Monday, February 3, 2025

Would Enacting the Hoyer/Primus Proposal “Fix” Social Security?

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In early January, Social Security’s retiring Chief Actuary, Steve Goss, released an actuarial valuation of a proposal intended to improve ...
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...