How much of your retirement lifestyle is it really costing you when you pay an advisor a percentage of your portfolio?
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Despite the risk, less than 8% of Americans have long-term care insurance, opting to “self-fund” instead. Can you?
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Guardrail strategies that rely on withdrawal rate, like the popular Guyton-Klinger, are problematic in practice. Focus instead on total risk.
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Popular withdrawal strategies lead to unnecessary sacrifices, like underspending. But there is a better alternative.
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Clinging to widely known "rules of thumb" to determine how much you need to save can lead to over-saving (especially for higher-income individuals).
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Retirees can better protect against underspending and outliving their savings by combining guardrails with guaranteed income sources.
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Precautions you can take to reduce the odds of experiencing disruptive advisor turnover issues that can rob you of the immense benefits of advisor continuity.
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Not all decisions matter, but some are crucial. A repeatable process can help you find the signal in the noise to make high-quality decisions.
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Sequence of returns risk presents one of the most critical risks to a retiree’s portfolio. Our retirement planning specialists share how to protect against
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(~5 min) Probability of success/failure is a meaningless measure that tells you nothing. Solve instead for your Retirement Spending Capacity.
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(~6 min) Overly conservative retirement income plans lead to retirees sacrificing their quality of life and losing more wealth to Uncle Sam.
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(~6 min) While there is no silver bullet to protect retirees from all risks, integrating liquidity into your retirement income plan can have a material impact.
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