Archive by Author
23
Apr

Retirement Base Income Vehicles

Designing a retirement plan can feel overwhelming. Retiring is one of life’s most significant transitions and should be entered into through careful planning. Retirees should start by deciding how to replace their needed income. Base Income should be matched up against your Base Expenses1 (essentials – food, housing, medical, transportation, etc.). Base Income should be secure, stable, and […]

Continue Reading →
27
Feb

Social Security Income’s Tax Implications – FPA General Public Website

Social Security evokes many emotions by Americans – love, hate, ridicule, and praise. The fact remains; Social Security is the most successful social program in history and currently offers guaranteed income which increases over time and continues across your lifetime.[1] While successful, it is a nuanced retirement program. One of these complexities is navigating and […]

Continue Reading →
17
Nov

Liability-driven Individual Retirement Planning

Click here to read the Financial Planning Association’s article “Liability-driven Individual Retirement Planning”    

Continue Reading →
06
Sep

Retirement Income Tax Strategies

Retirement Income Tax Strategies – Financial Planning Association General Public Website

Continue Reading →
27
Jun

Prioritizing Retirement Decisions – Financial Planning Association General Public Site

Prioritizing Retirement Decisions – Financial Planning Association General Public Website

Continue Reading →
31
Mar

Has “Portfolio Selection” been mis-applied?

Harry Markowitz’s paper “Portfolio Selection” published in the 1952 Journal of Finance and subsequent works that have built on these ideas by Markowitz and others, has had a profound effect on the investment philosophy of advisors, foundations, endowments and individuals.  The seed of Portfolio Theory set forth in 1952 has indeed become a full grown tree at this […]

Continue Reading →
03
Mar

Grow Assets or Maximize Utilization?

Retirement is the ultimate consumption phase of life rather than an accumulation phase.  The dilemma perceived through the Modern Portfolio view is that the retirement portfolio must continue to grow. MRT believes that retirement is mostly about maximizing the utilization of accumulated assets in ways that do not jeopardize the main goal of retirement, which is to […]

Continue Reading →