Posts tagged with: retirement planning

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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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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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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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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Schematic for Goals-Based Planning

This diagram shows the relationships between the key components of a goals-based household financial plan. It shows how the plan builds upon the simple basic information of income and expenses to create a full multi-period lifecycle plan based on the […]

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New in R-MAP™—Savings Builder!

Planners need tools. Good tools make good work possible. You know what happens when your only tool is a hammer. You might have the deepest insights into the logic of the household balance sheet and the various ways to manage […]

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Goals-Based Planning: Value Averaging and Upside Investing

Good planning is an antidote to fear. If you are approaching retirement, an overarching fear is not having enough money to live comfortably without a paycheck, possibly for a (very) long time. Last time we talked about goals-based planning and […]

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Life is Complicated, But the Plan Should be Simple. Planning, Not So Much.

A printing industry pundit I knew once joked that the Photon typesetter, the first photo-mechanical typesetter to replace hot metal, was the only machine ever invented with all moving parts. In building R-MAP Planner as a tool for comprehensive lifecycle […]

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