Retirement Planning
Retirement planning, withdrawal strategy, and client income conversations.
Partner resources
Sequence-of-Returns Risk: How a Bad Start Can Destroy a Retirement Portfolio
While you were accumulating, the order of your returns barely mattered. Once you are withdrawing, it becomes the entire ball game.
Your Great Opportunity to Get the Retirement Saving Message Across
When we think of our parents and grandparent’s lifespan, medical science has been able to extend out lifetimes. Having good genes helps, of course.
Social Security for Women: The Rules You Need to Know Before You Retire
Understanding where these rules came from can help you recognize which details deserve a closer look before you file.
10 Smart Financial Moves to Make Before You Retire
Here are 10 smart moves to consider before you retire. Written by: Bruce Helmer and Peg Webb Retirement may be one of the biggest financial transitions you’ll make, but it is also a significant life transition.
How Much Do You Really Need to Retire? Your “Retirement Number” May Be Wrong
This is why I believe retirement planning should start with the lifestyle you want, rather than simply choosing a target amount of capital.
Retirement Magic: $5,100 Per Month
$5,100 monthly in retirement isn’t an excessively lofty goal, but that expectation is high enough to imply that retirees who aren’t working with advisors are basically “winging it.”
We Love a Bargain—Until It’s in Our Retirement Account
We’ve got to teach people to invest their money like they buy tuna fish and clothing. Look for bargains.
Cognitive Decline Is Suddenly a Bigger Retirement Fear
New Alzheimer’s research and mainstream media coverage helped push cognitive decline sharply higher in September’s Retirement Fear Index, even as inflation and Social Security concerns eased.
The Retirement Risk Few Advisors Talk About: When One Spouse Retires First
Researchers gave the feeling a better word than most of us manage in the moment: impingement. The sense of a husband as an intruder in a world she built and ran herself.
Can Dynamic Defaults Make Retirement Income More Secure?
There’s a reason that target-date funds have earned a place as the dominant QDIA in DC plans: they solve a tough investment challenge in a simple and efficient way.
7 Retirement Investing Strategies You Need to Know Before You Retire
I focus on creating a thoughtful approach to retirement investing that connects financial decisions with the lifestyle you want to support.
3 Retirement Decisions You Won’t See Coming
A broader principle I think is essential to good retirement planning: Don’t begin with a financial product. Begin with the problem you’re trying to solve.
Don’t Just Retire. Refire: Build a Next Chapter with Purpose, Impact & Legacy
But perhaps there is an even more important question: What will I do with the time, wisdom, influence, and resources I have been entrusted with now?
How Should You Take Retirement Income Without Sacrificing Your Lifestyle?
How should you take a retirement income? New research explores the pros and cons of drawdown, annuities and hybrid strategies to help you plan ahead.
Will Social Security Still Be There When You Retire? The Demographic Problem
The world population, now roughly 8.3 billion, is still growing by about 69 million people a year. That works out to 0.84 percent annually, down from more than 2 percent in the 1960s.
Retirement Planning Isn’t Just About Having Enough Money. It’s About What Your Money Can Do
A good retirement plan should give you confidence about today's decisions while preparing you for tomorrow's uncertainties.
Clients Face a Lot of Social Security Pitfalls. Advisors Can Help.
It’s not an understatement to say that for those nearing retirement and their advisors, Social Security is always in the spotlight.
Why the 4% Rule Fails American Retirees in Spain (And What to Do Instead)
Moving to Spain doesn't mean leaving the IRS behind. U.S. citizens typically remain subject to U.S. federal income taxation even while living abroad.
The Average Client Doesn’t Exist: Why Retirement Plans Must Account for Longevity Risk
Living longer is the achievement. Unprepared longevity is the problem. And preparing for it starts by admitting that the average client does not exist.
The Biggest Problem With Conventional Retirement Planning? It Hides the Risk
CP is all about investing you at risk and charging a fee for beating the market. But we all can’t beat the market.
