Posts tagged with: RMA method

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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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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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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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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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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Fundedness and Robo-Advisors: Are you a Robo-Advisor?

The rise of web-based robo-advisors has many in the industry speculating about what’s missing from robo services. The usual answer, of course, is the humans, ie, sapient advisors and planners. Maybe. After all, robo-advice, though highly systematized, comes from humans, […]

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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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