Retirement

November 2017 SWM Letter

This month we're looking at Safe Withdrawal Rates.  It’s our good fortune NOT to have been born into the royal family of Saudi Arabia.  Several of them are awaiting formal charges on corruption so they have been withdrawn.  Today's letter focuses on the much happier thought of choosing a safe income which will...
Read more

HEALTHY AGING and MONEY

Dear friends, living longer means our world is aging ...as you’ll see graphically in a picture below.  Healthy aging means we'll need an endless supply of money to sustain our lifestyle, personal comforts, creative passions, and later-age care.  Our enemies would include stagnant economic growth, rising health costs, sudden risks whether personal...
Read more

Income Reservoir — Money When You Need It

Securing a safe INCOME RESERVOIR in your planning is our key focus today.  We can see this in our 20s to 40s, or as seniors in our 70s to 90s ...and certainly as baby-boomers.  No financial plan is safe without a “reservoir” where you can get money for special concerns or opportunities...
Read more