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Saturday, May 31, 2025

Planning for Essential Expenses in Retirement

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One of the basic tenets of the Actuarial Approach recommended in this website is to fund the present value of expected essential expenses i...
Sunday, May 25, 2025

Don’t Forget Your Taxes, Part II

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This post is a brief follow-up to our post of May 6, 2023 in which we reminded you that taxes are essential expenses that must be planned ...
Wednesday, May 7, 2025

Are You Still Worried About Increasing Your Spending?

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In our last post , we tried to encourage retirees afraid of (or behaviorally resistant to) spending their wealth to consider increasing th...
Saturday, April 26, 2025

Use the Funded Status Metric and a “Surplus Bucket” to Increase Spending in Retirement

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Most of us are relatively conservative when it comes to determining how much we can afford to spend in retirement. All things being equal, ...
Friday, April 11, 2025

Can I Afford to Buy that Dream Lake House (or Some Other Big-Ticket Item)?

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In many of our prior posts, including our post of March 8, 2025 , we have strongly encouraged readers to estimate the potential impact on ...
Wednesday, April 9, 2025

Thank You, Mr. President

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As of the close of stock markets on April 8, 2025, the S&P 500 index was down about 15% from its close at the beginning of the year. I...
Saturday, March 15, 2025

All About That Process

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The future isn’t going to happen as you (or your financial advisor) assume, and your spending goals and actual spending are likely to chan...
Saturday, March 8, 2025

Planning Tip--How Will My Funded Status Be Affected?

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As discussed in previous posts, your Funded Status is an easily calculated, robust metric used to measure your financial health in retirem...
Wednesday, March 5, 2025

Retirement Researcher Discusses why He Prefers Funded Ratio to Monte Carlo Modeling

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As discussed in our post of February 21, 2025 , pre-eminent retirement researcher Dr. Wade Pfau has become an actuarial approach convert. ...
Saturday, March 1, 2025

Better Financial Management in Retirement Through Better Metrics

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In several of our recent posts, we have been touting the Actuarial Approach and its use of the Funded Status metric to measure household ...