Newsletter Archive

June 11 Newsletter


Retirement Planning

Regular Adjustments Maximize Retirement Success (06-07-2010)

Retirement planning consists of a wild scatter plot of potential projections. Navigating successfully through possible outcomes requires regular corrections and adjustments. Most retirement software runs hundreds of possible retirement scenarios, called a Monte Carlo analysis. Success is defined as achieving 80% or more of investment outcomes where blindly following your planned strategy means staying solvent until you die. Keeping an 80% success rate ensures that your average is much higher than depleting your portfolio. You are prepared to deplete the portfolio, but over half the time you will leave a significant legacy. Although these projections are useful, they are seriously limited.
[click here to read more]

Upcoming Events


Father's Day: Review your estate plan with your children

Learn more


First Day of Summer

Learn more

In The News

Summer is a great time to think about financial planning.

Summer is one of the best times for us to help a new family get their financial house in order. Usually it is a quiet time when we can gather information, identify goals and make plans for the coming school year. The first few steps of wealth management require calendar time and summer provides enough calendar time so that we are ready by the time fall arrives.

[click here to read more]

Safeguard #3: Insist on Publicly Priced and Traded Investments (01-26-2009)

To protect our money, several safeguards are advisable. They aren't always necessary, but they are certainly safer than the alternative. One of these safeguards is to insist on investing only in liquid assets. Investors undervalue liquidity 99. 9% of the time. You need to be in the other 0. 1%. Liquidity refers to the ability of an asset to be easily sold without losing value in the process. Imagine starting with a pile of money, buying the asset, holding it a week and then trying to sell it again.
[click here to read more]