Wealth Trajectory

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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RETIREMENT BUDGET for LIFE

How would you possibly budget for an experience you’d never had?   For instance in the first home you ever owned, were you surprised how many expenses arose and how tight your  money could seem in that first year of home ownership?  But the question now isn’t cash-flow for a short time, but...
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LIFE INCOME MANDATES – securing Income for Life

Is your money guaranteed for life?  What if you spend too much, save too little, live too long, suffer loss in health or business, or other family events arise?  Such can happen to anyone, and at the most inconvenient times.  Losses can also become permanent!  That's why we need "MANDATES" ... a...
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