by Ethan S. Braid, CFA | Jun 5, 2024 | Blog, Retirement Planning
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...
by Ethan S. Braid, CFA | May 30, 2024 | Blog, Retirement Planning
HOW MUCH CAN I SPEND IN RETIREMENT? This question is one of the most common questions people ask me when working on their retirement plan. I have often had people tell me that they were planning to spend 5% of their portfolio during retirement. For some reason, many...
by Ethan S. Braid, CFA | May 30, 2024 | Blog, Retirement Planning
1.) SELLING YOUR PORTFOLIO AT THE BOTTOM OF A BEAR MARKET Over the last 25 years I have seen many, too many, retirement planning mistakes. One of the most serious retirement planning mistakes that you can make is to try to time the market and sell your portfolio at...
by Ethan S. Braid, CFA | May 29, 2024 | Blog, Retirement Planning
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...
by Ethan S. Braid, CFA | May 24, 2024 | Blog, Tax Planning for Retirement
Today we’re going to look at how much federal tax you pay for $150,000 of retirement income. This is going to be a very helpful tax planning and retirement planning article. For those of you who are trying to get a handle on how much tax you are going to pay at...
