Posts tagged with: upside

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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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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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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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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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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