Nerd's Eye View

JANUARY 4, 2023

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. If the portfolio balance declines due to excess distributions (e.g., annual withdrawal rate).

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WiserAdvisor

MARCH 13, 2024

Achieving financial freedom in retirement requires meticulous planning, dedicated effort, and strategic management. Within this framework, the concept of the five pillars of retirement planning emerges as a valuable strategy. Without a solid plan, you risk drifting without direction.

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Nerd's Eye View

SEPTEMBER 20, 2023

Sequence-of-inflation risk can substantially impact a financial plan and failing to consider this risk can lead advisors to overestimate sustainable spending and underestimate risk in retirement. Though most plans are affected at least somewhat by inflation risk, certain factors make accounting for it especially important.

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MainStreet Financial Planning

FEBRUARY 22, 2024

Managing cash flow in retirement is a crucial aspect of financial planning that can feel daunting after decades of receiving regular paychecks. Consider new expenses like healthcare before Medicare coverage begins and subtract any expenses that will no longer apply in retirement, such as commuting or work-related clothing.

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Retirement Management Taxes Financial Planning 92

A Wealth of Common Sense

JANUARY 19, 2024

Following the Great Financial Crisis, there was a worry the coming tsunami of retiring baby boomers was going to lead to a retirement crisis of epic proportions.1 1 Their portfolios were down bad. Housing prices had crashed. They didn’t save enough money. People were worried about Social Security.

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The Chicago Financial Planner

NOVEMBER 8, 2021

As someone saving for retirement , what should you do now? The PBS Frontline special The Retirement Gamble put much of the blame on Wall Street and they are right to an extent, especially as it pertains to the overall market drop. This is the time to review your portfolio allocation and rebalance if needed. Click To Tweet.

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Nerd's Eye View

JUNE 20, 2023

What's unique about Tony's journey, is how the tragic death of his mother just 6 months after she retired, made Tony realize that even though retirees may be prepared financially for their retirement, they may not be prepared mentally for the transition to a life that is separate from their career identities. Read More.

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Nationwide Financial

JANUARY 25, 2023

In recent months, Americans are rethinking what life in retirement looks like because of economic uncertainty, opting to adjust their personal priorities with financial stability in mind. Working after retirement on the rise. Similarly, 41% want to continue working because it gives them a sense of purpose.

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Nerd's Eye View

MARCH 27, 2024

One way financial advisors can add value for retiring clients is to estimate how much they can spend sustainably during their retirement years without depleting their investment portfolio. to cover retirement income needs before claiming Social Security benefits).

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Fortune Financial

SEPTEMBER 29, 2022

In our planning with clients, we like to employ a “pay yourself first” approach, especially as it relates to retirement planning. This cycle can repeat itself over multiple years, resulting in minimal or no retirement savings. Planning for retirement is a multi-step process with continuous updates and monitoring.

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Talon Wealth

OCTOBER 26, 2023

Retirement planning is a critical part of financial security that many women still overlook. However, remember that as a woman, you have a longer life expectancy than a man, which means retirement planning is even more important. That means you should plan for your retirement savings to last at least 18 years, if not more.

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Integrity Financial Planning

DECEMBER 18, 2023

One crucial aspect that you should financially monitor is the common financial stumbling block encountered when shifting to a retirement lifestyle. Market fluctuations may provoke intense reactions, and the state of your retirement savings can easily incite panic. If your plan is working, then you probably want to stick with it.

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WiserAdvisor

AUGUST 31, 2023

Financial advisors play a crucial role in assisting you before your retire. They can provide ongoing support so you can continue investing after retirement, monitor market fluctuations, and make necessary adjustments to your retirement portfolio. Here are 5 benefits of hiring a financial advisor after you retire: 1.

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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.' wsj.com) Retirement Some reasons to go back to work after retiring. washingtonpost.com) Personal finance It's simple to put together low cost, highly diversified portfolios.

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Abnormal Returns

AUGUST 21, 2023

kitces.com) Vestwell is set to administer the nation’s first multi-state retirement program. (investmentnews.com) Investors keep lining up to buy stakes in a crowded RIA market. riabiz.com) Advisers Why advisory firms need a well-articulated criteria to 'fire' a client.

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Advisor Perspectives

NOVEMBER 21, 2023

I show how the best way to utilize bonds in retirement is not to rebalance between stocks and bonds in retirement, but rather to draw down on the bond side of the portfolio first and let the portfolio drift towards a greater equity allocation.

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Random Roger's Retirement Planning

FEBRUARY 25, 2023

Bloomberg conducted a survey about how much money people need to retire and the respondents said $3-$5 million. Using the 4% rule for safe withdrawal percentages, if you're 10 years away from when you want to retire, how do the numbers look? Well, then. What about 5 years away? Can you create that situation for yourself?

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Abnormal Returns

DECEMBER 20, 2023

(podcasts.apple.com) Retirement How to find a new you in retirement. ofdollarsanddata.com) What's changing for retirement accounts in 2024. morningstar.com) Why it's so hard to stay retired when you retire early. downtownjoshbrown.com) A lot of stuff matters beside your portfolio.

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Advisor Perspectives

SEPTEMBER 2, 2023

Given their overall credit risk versus safer government debt, corporate bonds may not get enough exposure in a retirement portfolio. However, they can serve a purpose as long as investors are aware of their nuances.

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Good Financial Cents

JANUARY 26, 2023

Early retirement has become a popular financial goal. Even if you never retire early, just knowing that you can is liberating! Can You Really Retire at 50? Can You Really Retire at 50? Table of Contents Can You Really Retire at 50? FAQs on Retiring Early at 50 It’s a big bold claim – retire at 50?

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Retirement Taxes Retirement Planning Accounting 122

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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Fortune Financial

FEBRUARY 4, 2024

With our deep expertise and qualifications in NUA strategies, our experts are adept at navigating the complexities of tax-efficient retirement planning. Explore the Fortune Financial advantage in transforming how you manage your retirement assets and bringing you closer to achieving your financial dreams.

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Retirement Retirement Planning Distribution Taxes 59

Investing Caffeine

FEBRUARY 21, 2023

Upcoming Webinar – February 22nd at 12:00pm PST Volatility has spiked due to changing concerns over inflation, interest rates, recession fears, geopolitics, and other fear-provoking issues, but how can you grow and protect your retirement nest egg? Learn how to avoid these missteps and expand your wealth.

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Advisor Perspectives

FEBRUARY 24, 2023

But should you include this precious metal in your retirement portfolio? Many investors believe that gold is a safe long-term investment that can be used to hedge against risk.

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WiserAdvisor

DECEMBER 15, 2023

According to a survey, a significant majority of Americans, approximately 80%, share the common notion that the point of working hard in your adult life is so you can enjoy a nice retirement. After years of dedicated labor and hard work, the prospect of a peaceful retirement appeals to everyone.

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Abnormal Returns

SEPTEMBER 3, 2023

Top clicks this week How (and where) to hold cash in your portfolio. morningstar.com) Do you need commodities in your portfolio? theverge.com) The story of a portfolio manager holding onto Credit Suisse stock too long. (mr-stingy.com) blog.thinknewfound.com) Seven things we lose in retirement including structure.

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Portfolio Management Retirement Portfolio Management 244

Clever Girl Finance

FEBRUARY 2, 2024

Starting early with investing for retirement is so important to secure your future self. This means that saving for retirement should be a component of your overall financial portfolio and wealth-building strategy. So, let’s discuss how to save for retirement in your 20s! The 401(k) Plan 2. Traditional IRA 3.

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Wealth Management

AUGUST 29, 2023

How to address some of the frictional forces found in a typical retirement investment portfolio.

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Integrity Financial Planning

JUNE 27, 2023

However, it is a common goal for retirees to create and maintain generational wealth in retirement. Prior to your retirement years, diversifying your investment portfolio can be a good way to grow your wealth. In today’s fast-paced world, ensuring financial stability for future generations can be a daunting task.

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Retirement Healthcare Financial Planning Estate Planning 98

Fortune Financial

APRIL 11, 2024

The reality for those with various employers is that untracked retirement savings might lead to missed financial growth opportunities and instability. Diligent oversight and management of these retirement accounts is essential for anyone aiming to build a solid financial foundation for a comfortable and secure retirement.

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Retirement Retirement Planning Financial Advisor Education 59

Integrity Financial Planning

JUNE 12, 2023

As you plan for retirement, it’s important to consider tax optimization strategies to minimize your tax liabilities. Here are three key ways to optimize taxes in retirement, based on information from sources published between 2022 and 2023.

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Abnormal Returns

DECEMBER 6, 2023

open.spotify.com) Christine Benz and Jeff Ptak talk all things retirement with Dan Haylett. morningstar.com) Retirement The case for (and against) taking Social Security early. humbledollar.com) Why some people choose to come out of retirement. tonyisola.com) Why drawing down a portfolio is so scary.

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A Wealth of Common Sense

FEBRUARY 16, 2024

Early on in my savings journey I prioritized tax-deferred retirement accounts over all else. The set-it-and-forget-it nature of a workplace retirement plan is one of my favorite features. I like the ease and simplicity of 401k contributions coming out of my paycheck before it ever even touches my checking account.

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Portfolio Management Retirement Planning Portfolio Management 104

Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

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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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Carson Wealth

AUGUST 25, 2022

How much do I need for retirement?” Your financial needs in retirement can depend on dozens of factors – some known and some unknown. One or two million dollars may seem like a lot of money to have set aside for retirement. A Retirement Reality Check. The concept of retirement continues to evolve with the world around us.

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Integrity Financial Planning

JULY 6, 2022

When taking out your retirement income, it’s important to consider the source. New statements may make it easier to see what you have, but what should you focus on when making a retirement income plan? Having an income plan is key for your retirement planning. How much confidence should someone put into these statements?

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