Welcome to R-MAP Planner

Game Guide to Income, Savings, Wealth and Taxes

Summary   No doubt income, wealth, and taxes will be in the forefront of the news and conversation in the coming year as a new administration settles into Washington. Money is always at the top of the list since taxes […]

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Don’t Bet Your Retirement On Robo-Planning

  Robo-advisers are websites that provide automated low-cost investment in balanced portfolios. Typically, the portfolio balance is based on risk tolerance quizzes and/or client-supplied time horizons, two common but limited methods for establishing how much market risk to allocate to […]

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Market Gyrations And Retirement Spending Volatility

Summary The Brexit vote and Friday’s and Monday’s market reaction dominated the news this week, and presented the opportunity to consider why these kinds of market gyrations are relatively unimportant to retirement planning. In fact, market gyrations may be relatively […]

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Client Note – The Brexit Leave – Upside in a Falling Market

These client notes are meant to connect you with some of the things I am working on at the moment—don’t hesitate to reply to this note with questions or comment! I’m in Chattanooga tonight travelling back to Sarasota, but the […]

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R-MAP part of RIIA Spring Advisor Week Forum

I’ll be participating next week at the RIIA spring Advisor Forum Week, teaching how to use to R-MAP to build a lifetime or retirement policy statement based on the household balance sheet–an allocation based on the numbers of your household finances, […]

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Finding the Upside on Your Household Balance Sheet

Inescapably the time comes to consider that spending from savings is different from saving from income. You survey your savings and investments, scattered across a number of accounts, and the question arises, how best to manage this money to get […]

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How Personal is Your Robo-Advisor?

I just returned from the RIIA (Retirement Income Industry Association) Fall Conference in Charlotte where I gave a presentation on emerging robo-advisors and financial planning. For most of you, sitting through a conference listening to talks about retirement income probably ranks somewhere between […]

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I-Bonding Your Future

Building After-Tax Floor and Upside into Your Savings Plan Let’s assume you’re already contributing to your company sponsored plan—if not maxing it out, then saving at least 10% of your salary in a combination of your own plus any employer […]

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  • Sample-RPS

A Sample Plan – The Household Retirement Policy Statement

I have been posting recently about goals-based planning. It may be hard to visualize what is unique about this kind of planning. So here is a sample plan from R-MAP Planner, the tool I developed for goals-based planning, so you […]

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  • R-MAP-v3.4-QuickStartGuide

Quick Start Goals-Based Planning Guide

Goals-based planning can seem complex, particularly when you have to make it up as you go along because you lack tools designed to make planning more efficient. I developed R-MAP Planner because I couldn’t find tools that helped efficiently plan […]

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