Retirement


Mar

23

2017
The Social Security Hedge

The Social Security Hedge

Most readers of this blog are pre-retirees who probably haven’t given much thought to Social Security.  For the majority of us, other than the hefty 6.2% of every paycheck that goes towards FICA, Social Security is an afterthought.  But even...

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Feb

10

2017
Sequence of Return Risk

Sequence of Return Risk

Have you heard about “sequence of return risk”?  Probably not. Too often do those of us inside the industry take our knowledge for granted.  Assuming average investors understand the complexities of finance can lead to confusion and lack of clarity....

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Feb

03

2017
Real Financial Planning

Real Financial Planning

Few people have been more influential to my financial planning philosophy than Carl Richards. Carl recently wrote a piece outlining three major traits that “real” financial advisors must have (What It Means To Be A Real Financial Advisor).  Advisors following...

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Jan

27

2017
The Bad News in a Good Way

The Bad News in a Good Way

A friend recently sent me a copy of a newsletter that is circulated to retired public employees in Massachusetts.  The front page story this month was titled: “State Pension Valuation: Changes Cause for Concern” (The Voice: January 2017). Over the...

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Jan

25

2017
Understanding the Pension Problem

Understanding the Pension Problem

Despite how often we hear about them, pensions remain a mystery to many.  Without getting overly technical, I thought it would be helpful to illustrate the basics of pension math using a simple example.  First, let me define a few...

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Dec

13

2016
Pension Performance Reporting Tricks

Pension Performance Reporting Tricks

Richard Branson is the founder of Virgin Group, a serial entrepreneur and a multi-billionaire.  Back in 2012, one of his Twitter followers asked him if there was a talent that came to him late in life that he wishes he had...

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Dec

01

2015
The S&P 500 Index Fund Hall of Shame

The S&P 500 Index Fund Hall of Shame

“Just buy the damn index fund.” -Jack Bogle Indexing is an attractive investment strategy.  It usually offers a low-cost way of gaining exposure to a particular asset class.  Numerous studies have shown that cost plays a key role in the...

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