The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

Marketing 304

Marketing Marketing Math Retirement Planning 304

Getting Your Financial Ducks In A Row

OCTOBER 17, 2022

In 1974, Congress passed the Employee Retirement Income Security Act (ERISA) that, among many other provisions, provided for the implementation of the Individual Retirement Arrangement. Amounts rolled over from employer retirement plans are entirely exempt. This IRA history is updated occasionally as new provisions are added.

Retirement 111

Retirement Distribution Taxes Retirement Planning 111

Wealth Management

JUNE 10, 2025

In 2016, AZ Business Magazine recognized Kerr as one of Arizona’s Most Influential Women. Kerr began her career at Schwab in 1994 on the Advisor Services trading desk. During her tenure at Schwab, Kerr has held roles in client service delivery, operations, advisors in transition, strategy, and technology.

Wealth Management 147

Wealth Management Marketing Marketing Tax Planning 147

Nerd's Eye View

OCTOBER 4, 2022

What's unique about Ramit, though, is how he literally wrote the book (and subsequently launched an online educational platform and brand) on how consumers can not just learn more about their finances but change their financial behaviors, without focusing on a budget or setting retirement savings goals, and instead helping them focus their money more (..)

Clients 246

Clients Financial Advisor Education Retirement 246

The Big Picture

APRIL 24, 2023

November 4, 2016) Bull & Bear Markets _ 1. Nobody should be swinging around billions of dollars based on gut instinct, and certainly not retirement accounts or other very important capital. If you want to read more on why 20% is not significant. Real in terms of both importance to investors and size.

Economics 299

Economics Marketing Marketing Portfolio 299

The Chicago Financial Planner

FEBRUARY 5, 2022

Quoted in a Wall Street Journal article before the 2016 game, respected Wall Street analyst Robert Stoval said, “There is no intellectual backing for this sort of thing, except that it works.”. Approaching retirement and want another opinion on where you stand? Some notable misses for the indicator include: St. FINANCIAL WRITING.

Investing 184

Investing Investments Financial Planner Risk Tolerance 184

The Chicago Financial Planner

JUNE 13, 2022

As Aaron Rodgers told the fans in Green Bay after the Packers bad start in 2016, relax. Approaching retirement and want another opinion on where you stand? Financial coaching focuses on providing education and mentoring on the financial transition to retirement. At the very least wait until the dust settles. FINANCIAL WRITING.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

Validea

JANUARY 9, 2023

Veteran portfolio manager Bill Miller, founder of Miller Value Partners and manager of the firm’s Miller Opportunity Trust and the Miller Income funds, retired at the end of 2022, reports an article in CityWire. The post Bill Miller Retires From Fund Management appeared first on Validea's Guru Investor Blog.

Retirement 59

Retirement Management Portfolio Management Portfolio 59

MarketWatch

MAY 30, 2023

Tolstedt, who retired in 2016 around the time of Wells Fargo’s fake-account scandal, did not admit or deny the SEC’s allegations. Securities and Exchange Commission said late Tuesday. The SEC already has settled related charges against Wells Fargo’s former Chief Executive John Stumpf.

Commission 98

Commission Distribution Retirement Banking 98

Integrity Financial Planning

DECEMBER 19, 2022

4] Even though the stock market may recover as the economy bounces back, the extent of recovery for these 60/40 portfolios is uncertain and may alter how you choose to spend or maintain investments in retirement. Sinking Bond Markets. In a 60/40 allocation, this negatively affects the whole portfolio. 1] [link]. [2] 2] [link]. [3]

Portfolio 91

Portfolio Retirement Economy Accounting 91

Harness Wealth

APRIL 15, 2025

Find Your Wealth Advisor at Harness How Net Worth Is Changing in America From 2016 to 2022, the median U.S. In contrast, the typical (median) household is far more concentrated in home equity and retirement savings, with limited exposure to stocks or private business ownership.

Wealth Advisor 52

Wealth Advisor Taxes Assets Retirement 52

Random Roger's Retirement Planning

OCTOBER 25, 2022

Then from about 2013 to 2016, gold struggled and so too did PRPFX. The ten year numbers are awful for PRPFX because gold went down for about 4 years from 2013-2016. Here's how it did back to 2016. During the GFC and a little beyond, gold did very well and PRPFX outperformed by a mile.

Portfolio 95

Portfolio Retail Accounting Numbers 95

Random Roger's Retirement Planning

DECEMBER 28, 2024

The Bloomberg article included a couple of quotes about dialing down the equity exposure in retirement which has been the default approach but that chart shows why dialing down is a bad idea. The simplest example would be the person to retired at the end of 2007 and then 12 months later, the stock market was 39% lower.

Portfolio 52

Portfolio Retirement Retirement Planning Assets 52

Getting Your Financial Ducks In A Row

MAY 19, 2025

Photo credit: jb In determining your retirement benefits from Social Security, as well as those of any dependents who may claim benefits based upon your record, the Primary Insurance Amount, or PIA, is an important factor. rounded down) The second example retiree also is age 62 in 2016. So, how is PIA calculated?

Retirement 59

Retirement Insurance Accounting 59

FMG

SEPTEMBER 16, 2022

Whether retirement planning, technology seminars, or education planning, community events are an efficient way to share your experience with others in your community. One of the most popular types of events in this category is a retirement celebration, which recognizes all of your clients who have successfully retired.

Clients 108

Clients Food Education Retirement Planning 108

eMoney Advisor

DECEMBER 15, 2022

Here, we take a look at projected job growth for financial advisors, the predicted wave of retirements, the demographics of financial planners, and more. A Wave of Retirements Expected. Over the next decade, more than a third of advisors (37 percent) are estimated to be retiring, according to a 2022 Cerulli Associates study.

Financial Planner 74

Financial Planner CFP Certified Financial Planner Financial Advisor 74

Random Roger's Retirement Planning

JANUARY 18, 2025

The article shows being updated in 2016 but not by me, the URL has the 2004 time stamp. I wrote an article for Motley Fool in May of 2004 saying I didn't want to own the stock and spelled out why. Since then, the stock appears to actually be down.21 21 years later and it's down?

Advertising 52

Advertising Medical Clients Distribution 52

Random Roger's Retirement Planning

JUNE 26, 2024

In the 11 full and partial years we can see that Portfolio 2 lagged by a lot in 2016 and 2020. You can also see a long run from 2016 to 2021 where it was pretty far behind 60/40. It also avoids interest rate risk and what I've been calling unreliable volatility from longer duration fixed income.

Portfolio 95

Portfolio Management Numbers Taxes 95

Random Roger's Retirement Planning

MARCH 7, 2024

Dropping from $27 down to $16 like in 2016 is a very difficult thing to sit through. I added in price levels of a few peaks along with subsequent declines. There are plenty more than the few I drew into the chart but want to make a simple point about how difficult holding a stock can be. Sometimes the thesis does change and you should sell.

Medical 98

Medical Clients Taxes Portfolio 98

Brown Advisory

NOVEMBER 12, 2015

For example, the filing dates for reporting foreign gifts and foreign accounts will move from March 15 and June 30, respectively, to April 15 for tax years 2016 and beyond (to be clear, these deadlines won’t change this year, the changes take effect in 2017 for 2016 returns). Shift income into the more advantageous tax year.

Planning 52

Planning Taxes Distribution Medical 52

Steve Sanduski

JUNE 8, 2022

Guest: David Novak, Co-Founder, retired Chairman and CEO of Yum! After retiring in 2016, David became Founder and CEO of David Novak Leadership , a leadership development company that teaches Novak’s proprietary method of modern team leadership through online courses, books and live workshops.

Retirement 52

Retirement Management Investing Investments 52

Tucker Advisors

NOVEMBER 3, 2021

While the market remains strong, how does this news affect the savings of retirees or those about to retire? . So, how do people who are retired or about to retire combat this inflation? But for someone retired or nearing retirement, this strategy could be fatal to their portfolio. .

Retirement 52

Retirement Portfolio Retirement Planning Assets 52

Random Roger's Retirement Planning

AUGUST 7, 2022

This goes back to 2016 to GBTC's apparent inception. In reading about this, what I think they do is allocate an even 20% to stocks, income (bonds), volatility, trend and gold/crypto. Here's the starting point. Here are the results.

Portfolio 91

Portfolio Management Clients Marketing 91

Random Roger's Retirement Planning

AUGUST 5, 2023

It spent so much time running below Portfolio 2 because it lagged by a lot in 2016. Portfolio 1 outperformed in 6 of the 9 years studied with slightly less volatility. Portfolio 1 didn't really provide much cover in 2022 though because HCMDX was down 39% that year. compared to 7.35, had a standard deviation of 8.07 versus 10.32

Portfolio 93

Portfolio Clients Taxes Numbers 93

Good Financial Cents

DECEMBER 22, 2022

Index funds have become popular among the FIRE (financial independence, retire early) crowd, and for a good reason. 2016: 9.54%. This strategy works best when you already have a solid plan for your retirement and your other financial ducks are in a row. Retirement Topics – IRA Contribution Limits. Index Funds.

Investing 108

Investing Investments Risk Tolerance Accounting 108

Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font.

Math 74

Math Retirement Numbers Portfolio 74

Darrow Wealth Management

JULY 1, 2024

In 2016, it’s widely expected that the 2017 tax laws will revert. Business owners may be able to accelerate tax-deferred savings even more through different retirement plan structures. The Tax Policy Center estimates that over five million taxpayers were subject to the AMT in 2017.

Taxes 105

Taxes Tax Planning Planning Estate Planning 105

Trade Brains

FEBRUARY 14, 2023

Yeah, that lot that talks about terms like compounding, risk profile, returns, retirement planning, budgeting, Investing, and whatnot! He was associated with UTI AMC (Jul 2006-Sep 2016) as a fund manager, prior to joining IDFC AMC. Expense ratio 0.83% Inception Date February 25, 2016 Exit Load 0.00% No. 1-yr return 7.84

Healthcare 59

Healthcare Banking Retirement Investing 59

Random Roger's Retirement Planning

FEBRUARY 9, 2024

John Authors at Bloomberg goes into better detail including a reference to the Bernstein paper from 2016 that likened indexing to Marxism. There has long been a sentiment that believes indexing is dumb money. If you are an indexer then this should not be the first time your hearing that.

Investment Advisor 73

Investment Advisor Management Taxes Portfolio 73

Random Roger's Retirement Planning

AUGUST 5, 2022

The portfolio goes back to 2016 so it captures a lot of different market conditions including a couple of crashes for Bitcoin. Here's the first iteration, note that I usually talk about a 1% allocation to Bitcoin, realizing it could go to zero but I decided to use a 2% weighting for this post. And the results.

Portfolio 70

Portfolio Numbers Marketing Marketing 70

The Irrelevant Investor

AUGUST 31, 2017

In 2016, flows just about matched the previous 4 years combined. The S&P 500 was up 12% in 2016- but Vanguard 500 assets rose by 30%! From May 2015 to February 2016, the S&P 500 fell nearly 16%. You have to keep in mind that a lot of the money going into index funds today is retirement money.

Marketing 40

Marketing Marketing Assets Retirement 40

Random Roger's Retirement Planning

JANUARY 22, 2023

In 2016 though, MTUM lagged MCW by 700 basis points. Switching from MCW to SCHD now, after a great year is an example of chasing last year's winner that I have mentioned before. A more glaring example might be with iShares US Momentum ETF (MTUM). In 2015 it was up 8.93% versus 1.25 In 2020 MTUM was up 29.85% versus 18.37 percentage points.

Numbers 74

Numbers Clients Marketing Marketing 74

The Irrelevant Investor

NOVEMBER 27, 2016

sectors and indexes have come from their 2016 lows made either in January or February. I'd rather be doing literally anything else than having my retirement hinge on me being able to see the future." But people who sold are regretting that decision nine months later. The table below shows how far different U.S.

Retirement 52

Retirement Numbers Portfolio Marketing 52

Random Roger's Retirement Planning

JUNE 22, 2024

XME fell 50% in 2015 and then made it all back with a 106% gain in 2016. Blending 25% in with ACWI helped in 2022 but otherwise it's not much different than 100% in ACWI. I really am surprised this doesn't create an easily observed differentiated return stream.

Portfolio 98

Portfolio Distribution Marketing Marketing 98

Random Roger's Retirement Planning

FEBRUARY 9, 2023

Gold was mostly in a downtrend from mid-2011 to early 2016. If you target 65% in equities via a simple equity index fund, then that fund will get the CAGRs you see above (or close to it).

Asset Allocation 75

Asset Allocation Portfolio Assets Numbers 75

Indigo Marketing Agency

NOVEMBER 20, 2020

From 2013 to 2016, the median assets under management (AUM) grew 6% from $86 million to $92 million. As baby boomers continue to retire, financial advisors across the country have started targeting the younger generations, Generation X and millennials , to varying degrees of success. Shifting Generations.

Financial Advisor 52

Financial Advisor Wealth Advisor Clients Numbers 52

Nationwide Financial

FEBRUARY 1, 2023

The sizable outperformance of tech stocks between 2016 and 2021 created valuations that, in many respects, may not be sustainable in the current interest rate environment. The outsized influence of tech company earnings on the S&P 500 is important to understand.

Valuation 59

Valuation Economy Accounting Marketing 59