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Sunday, March 29, 2026

Should Your Plan Anticipate Future Social Security Benefit Cuts (Part 2)?

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This post is a follow-up to our post of July 2, 2025 . In that post, we talked about the possibility of future Social Security benefit cut...
Tuesday, March 17, 2026

Top 20 Reasons Why I Recommend the Actuarial Approach for Managing Spending and Investing in Retirement

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The Actuarial Approach : Employs an easy-to-understand and robust financial metric (Household Funded Status) Permits adoption of easy-to-imp...
Friday, February 27, 2026

Can You Afford to Remodel Your Home in Retirement?

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Your spouse wants to remodel your kitchen and several bathrooms in your house. You’ve received a quote for the work for about $100,000. Us...
Wednesday, February 25, 2026

Funded Status—A Better Metric for Managing Spending Decisions in Retirement

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This post is a follow-up to our post of August 23, 2025 where we encouraged financial advisors and DIYers to ditch Monte Carlo modeling a...
Saturday, January 31, 2026

Can Your Artwork Collection Fund Your Spending in Retirement?

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One of the key determinants of how much you can afford to spend in retirement is the amount of assets you have accumulated. All things bei...
Saturday, January 24, 2026

Personalize Your Lifetime Planning Period (LPP) Assumptions

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In our December 31, 2025 post , we referred to a three-step process that we encouraged you to use to replace the default LPP assumptions i...
Tuesday, January 13, 2026

It’s All About the Present Values

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In Episode 211 of their Retire with Style podcast series, Dr. Wade Pfau and Alex Murguia discuss the importance of using present values i...
Sunday, January 11, 2026

Measuring and Managing 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 ...
Wednesday, December 31, 2025

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 (or re-measure) your Funded Status. W...
Saturday, December 20, 2025

Default Assumptions for 2026 Actuarial Financial Planner

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We’ve increased the default investment return/discount rate for risky investments/discretionary spending from 8% to 10%. All other assumpt...