Decumulation Planning

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Weekend Reading: Should Your Retirement Withdrawals Mirror RMDs?

Are you looking to get the most out of your retirement nest egg? Required Minimum Distributions (RMDs) offer a strategy worth exploring.

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Weekend Reading: What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios

Most retirement studies focus on US data. But what happens when we consider how portfolios might perform under the worst economic conditions, not just the American experience?

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Weekend Reading: An Annuity Instead?

You want a retirement income strategy that will last your lifetime, but what’s the best method of achieving that?

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Weekend Reading: Any Way You Want It

You have numerous options for creating the right income strategy for you, but if you’re simply taking withdrawals from your investment portfolio, you don’t have a strategy.

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Weekend Reading: Helping Hesitant Clients Boost Their Retirement Spending

Where does your hesitancy to spend come from? Is it driven by need or by emotions of your past that are still holding you back from a bigger future?

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Weekend Reading: How Safe is an 8% Withdrawal Rate?

What's your ideal withdrawal rate in retirement? Many experts agree with the four percent rule, while some say higher or lower. On a recent episode of The Ramsey Show, however, Dave Ramsey advocated for an eight percent withdrawal rate in a 100 percent stock portfolio.

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Weekend Reading: Four Threats to the Distribution Phase of Retirement

You may find – like many of the families we meet with – that the distribution phase of retirement is often the most challenging. However, it can be greatly simplified by focusing on a handful of key risks.

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Weekend Reading: Help Clients Get What They Need, and Want, in Retirement

Figuring out how much money you need for retirement can feel daunting. Here, past podcast guest David Blanchett explores a study conducted by The Alliance for Lifetime Income, which reveals changing attitudes and behaviors toward retirement security.

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Weekend Reading: Jamie Hopkins: 3 Techniques to Help Retirees Spend More (Yes, More!)

If you’re like many successful investors or the “millionaire next door”, you’re hardwired to save instead of spend. Reframing your mindset won’t be automatic, but learning to embrace spending your money on what matters most to you is priceless.

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Weekend Reading: More Realistic Retirement Income Projections Require Dynamic Adjustments

he manner in which you spend throughout retirement isn’t static, nor is it always consistent with inflation. As past podcast guest, David Blanchett, has found, it’s much more complex than that.

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Weekend Reading: The Four Unique Risks in Decumulation

The transition from accumulation to decumulation mode can be one of the biggest challenges for retirees. In addition to requiring a mindset shift, it also presents unique obstacles that should be considered as part of your retirement planning process.

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Weekend Reading: What’s a Safe Withdrawal Rate Today?

Despite the effects inflation and volatility can have on retiree income, new research through Morningstar suggests a “safe starting point” withdrawal rate for new retirees in 2023 is 3.8 percent, up from 3.3 percent a year ago.