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Sunday, August 31, 2025

No Reason to be so Conservative, Dr. Pfau

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In his Rethinking 65 article, Slow and Steady Wins the Retirement Funding Race , Ed Prince outlines Dr. Wade Pfau’s “conservative formula f...
Saturday, August 23, 2025

Ditch Monte Carlo Modeling and Embrace the Actuarial Approach

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Thanks to Kitces.com and Justin Fitzpatrick for once again informing financial advisors and retired DIYers that there are better metrics a...
Wednesday, August 20, 2025

Measuring Retirement Risks

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This post is a follow-up to our post of September 2, 2023, Manage Your Financial Risks in Retirement Like an Actuary , and is in response t...
Wednesday, August 13, 2025

Passage of OBBBA Deepens Social Security’s Funding Hole

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This post is a follow-up to our post of June 18, 2025 in which we addressed the magnitude of Social Security’s long-term funding hole bas...
Monday, August 11, 2025

Primary Reason Why Lifetime Income Products are Generally Better Investments for Retirees than Bonds

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We advocate a Safety First (or Liability-Driven) Investment strategy for retired households which anticipates the use of relatively low-ri...
Sunday, July 27, 2025

Should You Build a Social Security Bridge?

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This month, the Bipartisan Policy Center released “ Hedging the Risk of a Longer-than-Expected Life—The Value of a Social Security Bridge St...
Sunday, July 20, 2025

Use the Actuarial Financial Planner and Actuarial Process to Successfully Implement a Coast-Fire Strategy

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 In his June 25, 2025 Kitces.com post, Adam Van Deusen encouraged financial advisors to help their clients understand when they may have ...
Thursday, July 17, 2025

Valuing Your Hard-to-Value Retirement Assets

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As indicated in many of our prior posts, the key metric for managing your spending, assets and risks in retirement is your Funded Status --t...
Saturday, July 12, 2025

Eliminating the Cap on Social Security’s Taxable Wage Base

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In 2025, the maximum taxable wage for determining payroll tax (FICA tax) contributions to Social Security (OASDI) is $176,100. This is als...
Saturday, July 5, 2025

Actuaries Live for Mortality

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In this weekend’s Kitces.com Weekend Reading for Financial Planners (July 5-6) , Adam Van Deusen discusses three articles concerning the i...