We work with people that have investing questions all the time but there are two that investors often boil it down to. They want to know how long they need to be invested to be sure they don’t lose money and how long they need to stay invested to make sure they do...
The famous boxer Mike Tyson once said, “Everyone has a plan until they get punched in the mouth.” He meant it about his opponents, but we can apply that same idea to financial planning in the middle of a volatile market. How will you react when things first get...
Reaching retirement doesn’t mean you can put your plan in cruise control because plenty of risks remain. One that all recent retirees are dealing with is the sequence of returns risk. This is an overlooked risk when someone is stepping into retirement that doesn’t get...
We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there’s not nearly as much thought and research given to how you take that money out once you’re in retirement. Decumulation, in our mind, is one of the most...
When things are down, everyone’s risk profile gets much more conservative. Emotions shift as the market does, and we spend a lot of time consulting clients to help them keep balance. One of the products that we discuss more in this type of environment is the fixed...
If you go back to October of 2022, you’ll find the worst 12-month period ever for bonds. With the pressure on the economy, bonds struggled right alongside many other investments. The last year showed us many investors move to bonds during periods of volatility, and...
A declining market will make any retiree uncomfortable, and it could put your future in jeopardy if you haven’t thought through your withdrawal strategy. Many retirees struggle to shift their mindset from accumulation to distribution so let’s talk about how to...
Despite seeing a few positive days to begin the new year, investors are still in the midst of the longest bear market in nearly 15 years and plenty of economic doubt and uncertainty remains in 2023. This sustained bear market has made investors weary and wondering...
This past year in the market has been difficult for just about everyone. Even conservative investors, who felt comfortable in bonds or fixed income have seen those returns near 40-year lows. As we look ahead to the new year and work with clients to build out...
No matter how well you’ve planned, there’s going to be some level of uneasiness for retirees when the economy struggles like it has over the past year. These volatile times motivate people to take the necessary steps to protect their retirement and proper planning can...
The common theme in the market this year has been volatility, and that hasn’t slowed down at all throughout the summer. The month of August saw the S&P 500 drop 4.2 percent after four straight days of declines, which was driven by the expectations stemming from...
Understanding the sequence of return risk in your portfolio is one of the most important things we can learn about while planning for retirement and yet there is not enough conversation out there on this topic. We need to understand this risk even more now with a...
