Posts tagged with: floor

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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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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The Goals-Based Planning Workflow

Talking about how the household balance sheet should be at the center of the financial plan, and not the investment portfolio can be a bit abstract. So here’s a flow chart of the goals-based planning workflow (PDF link)  showing the balance […]

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Fundedness: Should You Use an Investment-Based or a Goals-Based Plan?

Sometimes we talk too much about theory and lose touch with the everyday reality of what lifecycle financial planning is about. It’s a fair question for someone to ask, “What is a financial plan, and why do I need one? […]

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Introducing R-MAP Planner and Its Household Balance Sheet Framework

In these posts I will explain what R-MAP Planner™ is and how to use it. As a consequence, I will also discuss lifecycle financial planning, and the Retirement Income Industry Association’s RMA℠ method for retirement management. R-MAP™ is planning tool, […]

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