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Rethinking Retirement Planning Moves

Rethinking Retirement Planning Moves (2023)

Updates to Rates of Return. Rates of return are tied to a dollar’s expected usage point. ROR assumptions are crucial to retirement financial planning because they anticipate how dollars will meet plan needs over time. Short, Medium, and Long-term money will each have different expected usage points.  Naturally, these different pockets should have varying risk […]

Secure Act 2.0: What Matters to Retirees?

The Secure Act 2.0 overhauls, pioneers, and expands upon many new rules for retirement savers. But what are key provisions that new retirees should be aware of? The full text of the omnibus bill text can be found here. What are the important retirement provisions? Section 107: Increases to RMD ages for some retirees Effective […]

Advice Only Retirement Financial Planning

Are Retirees Being Real?

The annual Retirement Confidence Survey consistently shows retirees’ expectations pre, and post-retirement may not always be realistic for specific areas of retirement planning. A realistic financial plan will consider all variables and any high-risk scenarios. Being real with expenses Expenses are one of the most disliked aspects of developing a financial plan. It’s almost impossible […]

Planning a Sustainable Withdrawal Strategy for Retirement

Planning a sustainable withdrawal strategy is one of the most overlooked areas of financial planning. Having a clear and coordinated withdrawal strategy is crucial because it will ultimately determine how an individual will create sustainable income throughout retirement. Successfully navigating sequence risk Sequence risk is the risk in the timing of withdrawals from a market […]

Top 15 Retirement Planning Mistakes to Avoid

#1 Not having a rational process Having a rational process for decision-making helps maintain focus, reduces uncertainty, and ensures that everyone remains on the same page. Having a process translates to efficiency and usually results in more money spent AND less frustration. Having a process should allow individuals to internalize planning subjectivity and view the […]

They're Selling You The Sizzle, Not The Steak

They’re Selling You The Sizzle, Not The Steak

So the larger planning firms must be better at what they do, right? They must have proprietary skillsets, technology, and other solutions that are only available through them. After all, they currently hold almost all of America’s wealth and frontload a shocking amount of lobbying money against the fiduciary standard. The assumption by many clients […]