Retirement timing matters. The year you retire can make or break your retirement plan. Will you retire at a good time or a bad time? You cannot really know if you have bad timing until after the fact. If you retire at a bad time, right before a recession and crash in...
Over the last 25 years one of the most common questions I have received from clients is, “how much can I spend and not run out of money?” In my experience, many investors don’t know what a sustainable spending strategy looks like. Today’s article will be focused on...
Today I’m going to show you a simple way to quickly determine if $2 million is enough for your retirement. I’ve been a financial advisor for over 25 years and I have built hundreds of retirement plans. What I am about to show you is based upon that...
The number of years a $1 million dollar portfolio will last a person in retirement will depend on the following four factors: Asset Allocation Spending Rate Percentage Investment Selection & Performance Behavior ASSET ALLOCATION Asset allocation is a critical...
The inflation adjusted 4% rule is a common retirement spending strategy. To follow the rule, you spend 4% of your portfolio in your first year of retirement and then increase your spending every year thereafter by 3% to account for inflation. To see if...
