Abnormal Returns

APRIL 23, 2025

Podcasts Peter Lazaroff talks with Christine Benz about the most overlooked parts of a retirement plan. awealthofcommonsense.com) Things you can do while your portfolio is down. peterlazaroff.com) Steve Chen talks all things Social Security with Devin Carroll, author of "Social Security Basics." tonyisola.com) Stress is natural.

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Getting Your Financial Ducks In A Row

MARCH 10, 2025

Many of us are covered by one or more types of defined contribution retirement plans, such as a 401(k), 403(b), 457, or any of a number of other plans. What many of these plans have in common is that they are referred to as Cash Or Deferred Arrangements (CODA), as designated by the IRS. So, what should you do about this?

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Carson Wealth

MAY 29, 2025

It probably depends on whether you have a strong plan in place for income during your retirement years. Having a retirement planning checklist can help make this final commute the time of reflection and joy it should be. These are staples of retirement and are great things to do to when every day is a Saturday.

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Retirement Planning Retirement Planning Taxes 52

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns.

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Carson Wealth

MARCH 28, 2024

Retirement planning is a journey that generally takes decades to complete and most of us start out along the do-it-yourself path. More than likely, your first step was to enroll in an employer-provided plan such as a 401(k) or setting up an individual retirement account, also known as an IRA.

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Abnormal Returns

DECEMBER 18, 2024

Just a 10-Step Plan to Create Your Rich Life Together." barrons.com) Don't let bad energy ruin your portfolio. tonyisola.com) Aging 10 steps to prepare financially for retirement, including 'Design a retirement paycheck.' theretirementmanifesto.com) How to think about retirement planning even though it may be decades off.

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Zoe Financial

JUNE 20, 2025

For high-net-worth individuals, continuously refining your strategy over time is what keeps your plan efficient and aligned with evolving goals. At Zoe Financial, we’ve seen firsthand how proactive planning with a fiduciary advisor helps individuals protect and grow their wealth across generations.

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Advisor Perspectives

APRIL 25, 2024

million Americans turning 65 in 2024, advisors are navigating four core risks that will impact their portfolios in retirement: longevity, inflation, volatility, and emotions. With nearly 4.5 We will discuss new research by Dr. Wade Pfau, professor at The American College of Financial Services.

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Nerd's Eye View

MAY 2, 2025

a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading! a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading!

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Abnormal Returns

MAY 22, 2024

ritholtz.com) Steve Chen talks with Robert Brokamp about retirement planning and purpose. newretirement.com) Retirement Don't let too risky a portfolio ruin your retirement. bestinterest.blog) Private equity is not the solution to retirement shortfalls.

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Abnormal Returns

APRIL 10, 2024

(morningstar.com) Dan Haylett talks with Eric Brotman, who is the founder and CEO of BFG Financial Advisors, about retirement as 'graduation.' humansvsretirement.com) Estate planning Why you should update your estate plans periodically. obliviousinvestor.com) Estate planning should most importantly include talking about it.

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Random Roger's Retirement Planning

JULY 5, 2025

I wanted to have a little more fun with portfolio construction comprised of ETFs that " no one should use." Below, leverages up the Permanent Portfolio. Portfolio 1 just levers up the stocks, gold and bonds. Portfolios 1 and 2 lagged VBAIX over the backtested period but were quite a ways ahead of the PRPFX mutual fund.

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Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns.

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Abnormal Returns

FEBRUARY 21, 2024

(youtube.com) Retirement Why planning in retirement is so challenging. Rowe Price about non-financial considerations in retirement. morningstar.com) People work in retirement for any number of reasons. humansvsretirement.com) 3% rates make holding a mortgage in retirement easier. In fact, it's a distraction.

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Retirement Retirement Planning Portfolio Management Taxes 275

Nerd's Eye View

JUNE 25, 2025

A client reaches Coast FIRE when their retirement savings are projected to grow – without further contributions – into a portfolio large enough to support their anticipated future retirement spending needs. changes to the client's spending, real rate of return, or retirement date) and psychological risks (e.g.,

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Random Roger's Retirement Planning

JULY 2, 2025

A fun rabbit hole over the years has been the 75/50 portfolio devised by John Serrapere which he wrote about several times at the old IndexUniverse site. For anyone new, the big idea is for the portfolio to capture 75% of the upside with only 50% of the downside. Portfolio 2 has a normal, even if not heavy, allocation to equities.

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Portfolio Numbers Taxes Clients 59

Nerd's Eye View

JANUARY 6, 2023

How planning specializations can help firms and their advisors stand out from the pack. From there, we have several articles on retirement planning: Why an individual’s portfolio of relationships could be just as important as their investment portfolio when it comes to happiness in retirement.

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Nerd's Eye View

JANUARY 4, 2023

Financial advisors have a wide range of strategies at their disposal to create financial plans for their clients. And when it comes to retirement planning, one popular technique is the use of ‘guardrails’, which set an initial monthly withdrawal rate that can be later adjusted as the size of the client’s portfolio changes.

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Nerd's Eye View

MAY 10, 2024

Enjoy the current installment of "Weekend Reading For Financial Planners"– this week's edition kicks off with the news that a recent analysis from Morningstar suggests that the Department of Labor's (DoL's) new Retirement Security Rule (aka Fiduciary Rule 2.0)

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Financial Planner Retirement Planning Retirement Valuation 246

Yardley Wealth Management

JANUARY 21, 2025

Exploring the Benefits of Financial Planning appeared first on Yardley Wealth Management, LLC. Goal Setting and Planning Many people discover that talking to a financial planner is worth it simply for the structured approach to goal setting. The post Is Talking to a Financial Planner Worth It?

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Nerd's Eye View

MAY 17, 2024

Also in industry news this week: The SEC this week announced a proposed rule that would require RIAs to collect and verify their clients' personal information in an effort to prevent illicit activity, though many firms likely are taking many of these steps already Why larger RIAs and those that have been acquired tend to have worse client and staff (..)

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Financial Planner Wealth Management Retirement Financial Planning 238

WiserAdvisor

JUNE 27, 2025

Start planning early. The essence of retirement lies in reclaiming your time, on your terms and with confidence. Yet far too many professionals delay the planning process. To show you what’s possible and what’s necessary, if early retirement is something you want to pursue seriously. And the best way to do that?

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Retirement Planning Retirement Planning Taxes 59

Abnormal Returns

NOVEMBER 29, 2023

(nytimes.com) Retirement Some alternatives to a fixed retirement withdrawal rates. thinkadvisor.com) What makes up the three-legged stool of retirement. theretirementmanifesto.com) Retirement planning is difficult because there are so many things decisions to make.

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Random Roger's Retirement Planning

JULY 7, 2025

The portfolio on the left was up a little in 2012 but lagged VBAIX, on the right, that year by almost 400 basis points. If we extrapolate Portfolio 1 out over the next 20 years and there were to be a similar result, that would be great but there would be quite a few years where Portfolio 1 got completely dusted.

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Portfolio Management Taxes Investing 59

Nerd's Eye View

JANUARY 13, 2023

From there, we have several articles on retirement planning: The latest rules for 2023 Required Minimum Distributions from inherited retirement accounts. Why relying on Treasury Inflation-Protected Securities (TIPS) to support the bulk of retirement income needs could be risky.

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Financial Planner Retirement Planning Retirement Compliance 241

Nerd's Eye View

JUNE 14, 2024

Also in industry news this week: While an infusion of Private Equity (PE) capital has shaken up the RIA M&A market, the ultimate implications for advisors, their clients, and the PE firms themselves remain unclear A recent study has found that a significant portion of 'DIY' investors are open to working with a human advisor (and paying for the (..)

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Financial Planner Compensation Planning Asset Allocation Retirement Planning 246

Dear Mr. Market

DECEMBER 31, 2024

Because when it comes to financial planning, you’re ready to write it downand studies show that writing down your goals makes you 42% more likely to achieve them. Heres your top 10 financial planning checklist for the new year. Review Investment Allocations Markets evolve, and so should your portfolio. But not this year.

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Random Roger's Retirement Planning

MARCH 15, 2025

You're 81 and been taking income from your portfolio for 15 years, what matters to you more, that you can continue to take what you need from your portfolio or that four year run in your mid-50's when you beat (or lagged) the market? If you're 81 and can no longer meet your income need from your portfolio, that is what matters.

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Carson Wealth

JUNE 27, 2025

What Is Financial Planning and Why Does It Matter in a Crisis? Financial planning begins with a thorough analysis of your short- and long-term financial situation, including all sources of income, your current spending patterns and debt, and your plans for the future. Diversification.

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Nerd's Eye View

JULY 26, 2024

The study also identified attributes of "top performing" firms across a range of metrics, finding that they are more likely than other firms to have a clear ideal client persona, client value proposition, and marketing plan.

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Nerd's Eye View

JUNE 30, 2023

Also in industry news this week: Concerned about the (insufficient) frequency of its examinations of RIAs, an SEC committee has recommended that the regulator allow third parties to conduct these examinations and to request Congressional authorization to charge investment advisers under its purview a ‘user fee’ that would provide steady (..)

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Nerd's Eye View

FEBRUARY 17, 2023

Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that the SEC is proposing to expand the adviser custody rule beyond securities and funds to cover all assets in a client’s portfolio, including private securities, real estate, derivatives, and cryptoassets.

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Financial Planner Fiduciary Duty Retirement Planning Compliance 246

Carson Wealth

JULY 3, 2024

Set up separate plans and goals for your business and your personal finances. It helps you plan for future expenses, allocate resources efficiently and stay on track with your financial goals. Identifying these risks early and having a plan to mitigate them can save your business from significant setbacks.

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Financial Planning Planning Retirement Planning Tax Planning 142

Nerd's Eye View

JULY 10, 2023

As owners of financial planning firms approach retirement, some may decide to sell to an external buyer, while others may plan for an internal succession. Sometimes, this succession plan can include the owner's child, providing an opportunity to keep the business in the family.

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Financial Planning Retirement Planning Clients 246

Nerd's Eye View

AUGUST 25, 2023

Also in industry news this week: The SEC settled its first charges related to its new marketing rule with a firm that advertised 2,700% annual returns A survey suggests that older Americans prefer the term "longevity" to "aging", perhaps informing the way advisors discuss related issues with their clients From there, we have several articles on retirement (..)

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Financial Planner Retirement Retirement Planning Advertising 246

Nerd's Eye View

OCTOBER 7, 2024

Welcome to the October 2024 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!

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Random Roger's Retirement Planning

JULY 9, 2025

Let's play around with a couple of quadrant inspired portfolios. I included a little gold in the third portfolio because how can we have a discussion about quadrant-inspired portfolios and not include gold in there somewhere? Tuesday was a mixed day for various alts but all six of these were down.

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Portfolio Taxes Investments Investing 59