Abnormal Returns

FEBRUARY 25, 2024

humbledollar.com) Why planning in retirement is so challenging. humbledollar.com) Doing the math on a hybrid vs. conventional ICE. (downtownjoshbrown.com) What's driving stock market returns? awealthofcommonsense.com) 11 financial mistakes to avoid including 'Not carrying umbrella coverage.'

Math 283

Math Wealth Management Retirement Planning 283

Abnormal Returns

APRIL 24, 2024

whitecoatinvestor.com) Retirement Retirement is filled with all sort of irreversible decisions. nytimes.com) How time feels more precious in retirement. advisorpedia.com) Retirement accounts Just because you can contribute to an IRA doesn't mean you should. humbledollar.com) Don't be ashamed to take senior discounts.

Insurance 263

Insurance Math Retirement Education 263

Abnormal Returns

JUNE 7, 2023

awealthofcommonsense.com) Home buying math is bad right now, but will it be any better a year from now? bloomberg.com) Personal finance Things to do before pulling the plug on your job and retiring. humbledollar.com) Financial planning means always adjusting your plan. finance.yahoo.com) The case for semi-retirement.

Math 245

Math Retirement Food Financial Planning 245

Abnormal Returns

MAY 10, 2023

financialducksinarow.com) Retirement The math behind savings rates and retiring early. ofdollarsanddata.com) Make sure you know what you are retiring to. obliviousinvestor.com) How to effectively withdraw money from a 529 plan. wsj.com) When building an estate plan, hire an attorney who specializes in it.

Math 246

Math Estate Planning Retirement Banking 246

Million Dollar Round Table (MDRT)

MAY 28, 2024

Scott Brennan The difficult part of retirement for a lot of successful people isn’t about the money; it’s about the perceived loss of importance. Some of these relationships are with people who want to retire or who are already retired. Math has no emotion, but people do. It’s a blow to their ego.

Retirement 79

Retirement Math Financial Advisor Clients 79

Integrity Financial Planning

JULY 6, 2022

When taking out your retirement income, it’s important to consider the source. New statements may make it easier to see what you have, but what should you focus on when making a retirement income plan? Having an income plan is key for your retirement planning. Look at the math to understand and believe it.

Retirement 95

Retirement Retirement Planning Math Financial Planning 95

Nerd's Eye View

JUNE 21, 2024

million in assets to both retire and pass on a legacy interest (though many have yet to establish an estate plan), according to a recent survey. Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that affluent Americans believe they need an average of $5.5

Financial Planner 223

Financial Planner Financial Advisor Taxes Math 223

Random Roger's Retirement Planning

DECEMBER 17, 2023

Yahoo warned of potential problems retirees may face if their plan is to rely solely on Social Security. change at retirement. Hopefully a mortgage is paid off, hopefully there are no car payments to make and health insurance at 65, if retired, should go down quite a bit on Medicare, especially if income goes way down.

Retirement 75

Retirement Math Insurance Taxes 75

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Yahoo Finance had kind of a long read recapping an update from Morningstar about safe retirement withdrawal rates. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Retirement 75

Retirement Accounting Math Healthcare 75

Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Retiring with a mortgage doesn’t typically pose a financial risk, and at times it’s the best financial decision. But paying off a mortgage before retirement has upsides also. Here’s when it may – and may not – make sense to pay off a mortgage before retiring.

Retirement 82

Retirement Taxes Math CFP 82

The Irrelevant Investor

SEPTEMBER 19, 2020

Yesterday Ben and I did a show on retirement. How to think about it, how to plan for it, and everything in-between. Saving for college We put all of our kids through college with a fairly simple, but rigorous plan. We should have a sense of urgency about retirement because it's coming, and there are no do overs.

Retirement 52

Retirement Math Education Planning 52

The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

Marketing 300

Marketing Marketing Math Retirement Planning 300

Walkner Condon Financial Advisors

JUNE 2, 2023

The importance of getting women into financial planning feels like it should go without saying. Alicia’s Experience One of my earliest experiences when I first decided to get into financial planning was participating in the Financial Planning Association’s Externship Program in the summer of 2020.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

Integrity Financial Planning

JANUARY 23, 2023

For most, Social Security provides a solid foundation for retirement income. As you grow older and retirement looms on the horizon, the decisions you make start to have a more crucial impact on the amount of money you receive, so it’s important that you know what to expect.

Retirement 89

Retirement Math Retirement Planning Planning 89

The Big Picture

MARCH 23, 2024

By Pouring Billions Into Public Housing : One quarter of residents in the French capital live in government-owned housing, part of an aggressive plan to keep lower-income Parisians — and their businesses — in the city. [link] • How Does Paris Stay Paris? Hope came cheap enough, but I was also realistic. Here’s a gentle primer.

Math 184

Math Commission Insurance Government 184

Carson Wealth

FEBRUARY 22, 2023

Matt Kory, Vice President, Retirement Programs As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and as CNBC reported in 2019 the number of 401(k) millionaires is at an all-time high. But is a million dollars even enough for your retirement needs? Just think of the numbers.

Retirement 98

Retirement Taxes Planning Math 98

The Big Picture

JULY 24, 2024

Morgan Housel Finance types tend to focus on attributes like intelligence, math skills and computer programming. You can know everything about math and data and markets, but if you don’t control your sense of greed and fear and you’re managing uncertainty in your behavior, none of it matters. None of it matters.

Math 200

Math Retirement Investing Investments 200

Integrity Financial Planning

FEBRUARY 3, 2023

Next, let’s face it, not all of us are exceptional when it comes to math. Taxpayers should always confirm that their math is correct, as this is one of the most common mistakes made when filing. [1] 5] Avoid Early Retirement Account Withdrawals if You Can! 6] Double-Check!

Taxes 82

Taxes Math Accounting Medical 82

Random Roger's Retirement Planning

JUNE 30, 2024

The latest retirement disaster article from Yahoo focuses on 55 year olds who have a "median savings of less than $50,000." Yahoo says it's "bleak" because this cohort is "only about a decade from retiring." A harsh reality is that $50,000 is not a retirement fund but it is a pretty robust emergency fund.

Retirement 75

Retirement Math Taxes Accounting 75

Getting Your Financial Ducks In A Row

OCTOBER 31, 2022

It has further been estimated that as we approach retirement, this ratio increases to a factor of five times more pain for a loss as opposed to the joy we experience for a gain. There’s no shame in admitting that factor – for a lot of us, math can be very tough.

Math 113

Math Retirement Investing Investments 113

Random Roger's Retirement Planning

JUNE 3, 2024

I haven't seen too many scenarios where Roth conversions were optimal as most people don't earn more after they retire. Do the math on your particulars like what your various sources of earned income will likely be, how much your RMDs will likely be and so on. How much are you likely to end up with in your retirement accounts?

Numbers 98

Numbers Taxes Retirement Accounting 98

Clever Girl Finance

JULY 12, 2022

We all know we should save more of our money to prepare for coming events, so learning how to make a savings plan is essential. That said, a weekly or bi-weekly savings plan can help you reach goals. A weekly savings plan or bi-weekly savings plan (saving every two weeks) helps you break down your goals. every two weeks.

Planning 52

Planning Budgeting Accounting Numbers 52

Trade Brains

DECEMBER 7, 2023

The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio. Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

JUNE 10, 2024

We've talked just a couple of times about the market becoming increasingly concentrated which just in terms of math means that a diversified strategy will lag for as long as the big names do well. I looked at the Vanguard Target Retirement 2025 (VTTVX) and the Vanguard Target Retirement 2030 (VTHRX).

Retirement 98

Retirement Asset Allocation Math Marketing 98

Yardley Wealth Management

JULY 20, 2022

James and Pamela’s Big Dream Excerpt from The Smart Person’s Guide to Financial Planning & Investments: A Simple and Straightforward Approach to Understanding Your Personal Finances By Michael J. Their retirement plan is strong, their kids are independent, and they are debt-free. So—problem solved, right? Well, actually, no.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. About 40 years ago employers started to pivot away from pensions to 401k, they started to pivot away from defined benefit plans to defined contribution plans. Problems have been long in the making and seem to have gotten worse.

Retirement 66

Retirement Math Management Taxes 66

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Today's post will look at a couple of different retirement articles that I stumbled into this weekend. The Economist posted an opinion piece titled Why You Should Never Retire that I found via a Thread from Unusual Whales. I don't think that everyone loses purpose by retiring or otherwise moving on to a new chapter.

Retirement 40

Retirement Math Government Taxes 40

Brown Advisory

AUGUST 1, 2019

The Long Game: Roth Conversions & Legacy Planning ajackson Thu, 08/01/2019 - 14:51 Legacy planning is all about transferring wealth to descendants as efficiently as possible. From a legacy planning standpoint, two distinctions are especially important: Roth IRAs do not require their owners or spouses to take mandatory distributions.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

The Long Game: Roth Conversions & Legacy Planning. Legacy planning is all about transferring wealth to descendants as efficiently as possible. So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Background.

Planning 52

Planning Distribution Taxes Accounting 52

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 105

Math Education Management Taxes 105

Random Roger's Retirement Planning

MAY 18, 2023

Bloomberg did a survey and found that Generation-X does not feel like it will be "financially prepared for retirement." Anyone closer to the younger edge of Gen-X could probably benefit by cutting expenses now, the impact of that could compound over the next 20+ years as they approach a normal retirement age.

Retirement 75

Retirement Wealth Advisor Math Medical 75

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to tips for retirement planning and more. million to retire confidently.

Assets 85

Assets Numbers Math Retirement 85

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

Barron's dusted off the retirement bucket playbook in an article while also arguing that a 5% withdrawal rate in retirement can now be considered safe versus the more common 4%. The way the math works out, 4% has a success rate in the low 90's based on simulations and has never failed looking backward. Always read the comments.

Retirement 45

Retirement Math Portfolio Investing 45

Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . You really do get the extra 8% per year after you’ve reached your full retirement age. For most people, Social Security benefits make up a sizable percentage of their retirement income. Please contact us if you’d like to discuss your financial plan.

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Random Roger's Retirement Planning

AUGUST 1, 2024

Despite the leveraged semiconductor ETFs, when blended with USMV, the portfolio is underweight technology versus the S&P 500 using simple math, it works out to about 26% versus closer to 40% for the S&P 500. If someone were going to actually do this, I'd hope that they would plan out ahead of time how they'd handle a serious decline.

Math 52

Math Portfolio Taxes Accounting 52

Clever Girl Finance

DECEMBER 16, 2023

If you’ve attempted to make a budget in the past and “failed” due to budget challenges , maybe it’s time to rethink your plan. If you’d like an even more streamlined budget plan, you could check out the 80/20 budget and apply it to your budget instead.) With this budget, you plan to save 20% of your total income. That’s it. (If

Budgeting 80

Budgeting Retirement Accounting Taxes 80