(~5 min) Many retirees pay more than their "fair share" of taxes due to the misconception that taxes will be lower in retirement. Learn about the pitfalls of not having a plan for several tax "milestones" and how to avoid an unnecessarily high lifetime tax bill.
(~5 min) Your withdrawal strategy, or how you deplete your savings to fund retirement, can have material economic implications. Learn how to optimize your withdrawal strategy by exploiting changes to your marginal tax rates.
(~6 min) Learn about simple ways to add liquidity to your income plan that can have an outsized effect on reducing your risk.
(~7min) There are five valuable reasons to begin formal retirement planning well before retiring. How you feel about these five reasons can help you determine when it would benefit you to start.
(~5 min) Focusing on withdrawal rates ignores the interplay between lifetime portfolio and non-portfolio income, resulting in unnecessary spending sacrifices during the years retirees prefer to spend more -- early retirement.
(~5 min) Tremendous value can be lost, and unneeded sacrifices made in retirement when only focusing on "not running out of money." Downside risk protection is very important, but so is taking advantage if those extreme downside scenarios fail to materialize.
(~6 min) Traditional retirement planning cannot adapt to reality and focuses on answering the wrong question. "Reality-Based" retirement planning adapts to reality in real-time and not only answers the right question but can guide a retiree through retirement confidently.
(~7 min) What can one do to improve their retirement plan in the face of lower expected market returns besides working longer or spending less? Fortunately, there are five lesser-known solutions to consider that can significantly improve your retirement plan.
Roth IRA conversions are a powerful retirement planning tool that can create value by itself as well as unlock many other valuable retirement planning strategies. Don't miss your chance for 2022!
Unfortunately, most think they don’t need or can’t seek formal retirement planning help until they are ready to retire. This is just not true. Learn how to figure out your answer to the question "When should I start retirement planning?".
The five years before and after retirement are fraught with such risk that Prudential Insurance coined the term "Retirement Red Zone" to define this period. Learn more about the critical risk exposure during this period and how best to manage it.
Of all the strategies that fall under the category of tax management, the development of an optimized retirement income strategy has the potential to yield the most significant benefit. Learn more about retirement income strategies, how to determine one, and the potential value of implementing one.
This case study shows in quantifiable terms the value of applying dynamic withdrawal rules to a retirement plan. See why dynamic withdrawal rules are among the most powerful tools in a retiree's tool chest.
Learn more about Donor Advised Funds (DAFs) and why they are such a popular retirement and tax planning tool for those with charitable intent.
A majority of financial advisory firms employ some form of client segmentation leading to very different experiences for top clients versus bottom clients. Learn more about this practice, how to determine where you fit, and how to protect yourself.
Just because you may qualify to purchase alternative asset investments does not mean you should. Alternative asset investments have many drawbacks that are exacerbated by approaching retirement.
No matter your generation, retirement is a reality we all will face, whether voluntary or forced. Following are retirement strategy tips to consider at every stage of life to improve your potential retirement outcomes.
Learn the approach we use to determine appropriate dynamic withdrawal rules and how we use them in practice to optimize your retirement plan.
As more and more media attention is given to cryptocurrencies, it is important to learn what exactly these "assets" are and why they do not belong in your retirement investment portfolio.
Your asset allocation decision is one of the most important decisions you will make when retirement planning. Learn more about our framework to help you think through this decision.