Retirement

SAFE WITHDRAWAL RATE … income for LIFE

The November 2017 client letter focused on "Safe Withdrawal Rates."   You can see how vital this is because no one wants to outlive their money.   We'll look at whether 3%, 4%, even 6% may be a safe basis for drawing your income.   If you spend too much for too long,...
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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...
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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...
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