Several weeks ago, I worked with a couple who wanted to retire early. At first glance, they seemed well situated to do so, as they had both worked as teachers for decades and they would… Read More
Planning for Taxes in Retirement: Options to Control What You Pay
In last week’s post, I covered a few things you should consider in setting up withdrawals from your portfolio in retirement. One of the considerations was planning for taxes, and more specifically, how you can… Read More
Retirement Planning Basics – How to Withdraw from Your Portfolio
One of the most common questions clients ask when doing their retirement planning is how portfolio withdrawals will work. Saving is something most clients have done for years, but reversing the flow brings up a… Read More
Caring for Aging Parents: When Your Parent is Reluctant to Accept Help
An aged man is but a paltry thing, A tattered coat upon a stick, unless Soul clap its hands and sing, and louder sing For every tatter in its mortal dress – WB Yeats, Sailing… Read More
A Framework for Helping Parents with Finances
Stepping in and helping parents with finances can be a challenge. In some instances, the parent needing the help may have managed finances for decades and be reluctant to accept help. At the opposite end… Read More
Handling the Unexpected in a Financial Plan
I have worked as a financial advisor for almost 15 years, and one of the best things about the job is seeing clients achieve their long-term goals. Our focus in planning is to help clients… Read More
How Federal Employees Can Plan a Successful Early Retirement
If you are a federal employee and are considering early retirement, this article will help you understand your options and how to determine if early retirement is feasible. We’ll examine how your FERS annuity and… Read More
How to Handle Risk in Retirement With Income Layering
Two big risks in retirement are inflation and poor market returns, and in this article I’ll discuss how income layering can help cover those risks Inflation is an often overlooked risk to a successful retirement,… Read More
Alternatives to Market Timing
In last week’s post, I walked through the challenges of market timing strategies in investing. The buying low and selling high that characterizes an ad-hoc approach doesn’t work, and it can be tough to stick… Read More
Market Timing
I’ve begun reviewing what happens in market downturns in client meetings. It isn’t because I believe a bear market is just around the corner, but rather because it has been nearly 10 years since the… Read More