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Archive for the 'Retirement Planning' Category

The Three Legged Stool: Version 2.0

Saturday, August 31st, 2013, by

Here’s an ancient rhubarb that we once learned about our ultimate retirement funding. The three legged stool. For those of you too young to remember, the three legs of the stool were: a.  Social Security b.  Your defined benefit pension payment, from your thirty plus years of employment with the same benevolent employer. c  Your […]

The Wealth Secret That Hides In Plain Sight

Saturday, June 22nd, 2013, by

As investors, we must have a built in bias to take anything that is simple at its core and mold it into something complex and expensive. What brings this to mind is a recent appointment with my newest wealth management clients, a professional couple who have done an admirable job of living within and below […]

The Cost of Living Increase: Using the New Math

Saturday, November 17th, 2012, by

Well, it’s official now.  According to our infallible government accountants, we now know that the cost of living increase for 2012 is exactly 1.7%.   Except when it is exactly 5.01%. Let me run that past you one more time.  Last month it was announced that Social Security beneficiaries would see their payment increased by 1.7% […]

What we worry about most in Retirement

Friday, October 12th, 2012, by

You might be interested in the results of the most recent Merrill Lynch Wealth Management survey of affluent households.  The question posed: What is your top financial worry? For me, that’s an open invitation to a very long laundry list.  How about the five trillion dollars that has been vaporized in the past four years, […]

The Fed: It Seemed Like a Good Idea at the Time

Friday, September 14th, 2012, by

The Federal Reserve system has done it once again.  They’ve doubled down on a very poor hand, now launching the third round of bond buying since the Great Recession of 2009. The stock market is on a sugar high, but it won’t last.  The best visual I can think of that represents the market would […]

How Financial Planners Can Impact Your Health

Thursday, August 23rd, 2012, by

Investment News is a publication dedicated to those in the business of providing investment advice to their clients.  You won’t find it on the newsstands at the airport while waiting to catch your next flight, but it’s loaded with insights that directly affect your wealth, and now, as it turns out, your health as well. […]

Some Amazing Statistics on Long Term Care Insurance

Wednesday, August 15th, 2012, by

I’m sensing that there may be some fatigue on the part of readers who continue to be overwhelmed with statistics about long term care insurance.  Maybe the message has been part of the background noise for so long that we’ve learned to screen it out….in much the same way that all the hype about obesity […]

Longevity: The Reward That Carries its own Risk

Thursday, August 2nd, 2012, by

Why is it that Americans struggle so much with concepts of risk and probability? There is no better proof than the blind faith of those who purchase lottery tickets, in total disregard for the laws of probability.  Some may see this as a harmless way to have a little fun, but to me it’s the […]