Q&A: How Do I Calculate My Withdrawal Rate for My Stability Allocation?
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Each of us either has a withdrawal rate or a savings rate, as we are each either contributing to or withdrawing from our invested accounts.

Q&A: Where to Stash Extra Savings?
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“After all this savings, I have about $3,000 per month left to save somewhere. Where should I save it?”

In Which Investment Vehicle Should I Stage My Spending Money?
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Your asset allocation matters to maintaining a balance in retirement of having money for the next 5 to 7 years and keeping up with inflation for time periods of 8 years or longer.

How to Calculate Safe Spending Rate from a Fixed Pension
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Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.

A Case Study in a Misleading Annuity Sales Advertisement
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In addition to all of the other reasons people hate annuities, seemingly fraudulent advertising and sales techniques is a major factor.

Safe Withdrawal Rates, Asset Allocation, and the Importance of Staying Invested
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Our firm has become known for our method of computing maximum safe withdrawal rates in retirement. Our safe withdrawal rates are based on having what we believe to be optimum asset allocation targets.

Why The 4% Rule Is Not A Sufficient Withdrawal Strategy
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Determining what constituted a safe withdrawal rate was one of the first questions I tackled. After a year and a half of study on the question, I had realized the inadequacy of the 4% rule and found a methodology which provides more useful when advising clients.

How to Save for Retirement
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Every pay period, pay yourself first. You won’t miss what you don’t see.

How Much Do You Need to Save This Month?
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Find out today how much you should be saving and investing this month! If you think a $1 million dollar portfolio is overkill, you haven’t really run the numbers.

RMD Mistake: Depositing to Your Checking Account
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Although legally fine, this strategy often causes you to accidentally increase your spending every year and decrease your savings. Don’t let the IRS rules about IRA withdrawals tempt you into spending money you had planned to save.

Wealth Management Is In Your Control
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Many feel helpless to direct their own success, but nothing could be further from the truth.

How Much Can I Withdraw in Retirement?
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We have calculated safe withdrawal rates for ages 0 to 100 based on age-appropriate asset allocation mixes.

Family Financial Lifecycle
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Before the children arrive, squirrel away some money. When the children go out on their own you get one last chance to save for retirement.

Safe Withdrawal Rate Adjustments
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Assumptions about these adjustments to your net worth should be made carefully and conservatively.

How to Factor Social Security into Your Safe Withdrawal Rate
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Carefully computing and adding your Social Security early retirement safe withdrawal rate can safely boost your early retirement standard of living without jeopardizing your future finances.

Small Changes Have Large Effects Over Time
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A swimmer takes one stroke at a time and yet makes great progress.

Financially Savvy Kittens on Retirement in Retirement Planning
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This kitten knows her retirement number. Be more like this kitten.

Pay Yourself First
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The greatest engine to generate real wealth is saving and investing. And the best way to ensure that your default is saving and investing is to automate the process. Pay yourself first, and your savings will grow exponentially.

Spending Retirement Income Can Be Risky
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The most common request we get is for a back-of-the-napkin calculation of future yield, interest or income. But rather than being a conservative withdrawal rate, this strategy may actually lead people to spend too much.

The Seven Steps of Financial Preparedness
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When a hurricane threatens, making a plan and gearing up for emergencies is imperative. Economic emergencies happen too, but it may be less obvious how to prepare. Here are seven steps you should take to weather any financial storm.

Maximum Safe Withdrawal Rates in Retirement
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Certain assumptions such as maximum safe withdrawal rate are critical in order not to compromise a long and successful retirement.

Taking Early Retirement Withdrawals
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Eight exceptions to the age 59.5 rule allow for penalty-free withdrawals.

How to Double Your Retirement
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Every six years you delay saving and investing you cut in half the lifestyle you will have in retirement.

Slow and Steady Wins the Race
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You can learn a lot about financial management from snapping turtles.

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