One of our
primary focuses is helping people who are in retirement or are planning
their retirement. Create your retirement plans by using the collection of retirement-related
articles below.
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November 16, 2011 |
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A major concern of many people is whether their savings will last for
their entire retirement. If the savings do last, it’s a success, but if
the savings don’t last it could be considered a failure.
Key
factors which influence whether savings will last for your entire
retirement include the size of your portfolio at retirement (bigger is
better), the amount of periodic withdrawals (the lower the withdrawals
the greater the chance of not running out of money) and longevity (the
longer you live, the more you need at the start of retirement).
Click here to read the article at Merriman.com
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August 18, 2010 |
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EDITOR’S NOTE: Early this summer, Paul Merriman interviewed Knight Kiplinger, a highly respected financial journalist, for a Sound Investing podcast. This article contains excerpts from their discussion of the economy, inflation, interest rates, target-date retirement funds, investor psychology and prospects for dealing with government debt.
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July 07, 2010 |
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In an ideal world, employees could set up their retirement fund allocations and then forget them for years. But when plan options change as they recently did for workers at Boeing, new choices are necessary.
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January 04, 2010 |
As a financial advisor and CPA, I often receive tax questions from my clients. One that has been coming up a lot in the past year is: “Should I convert my non-Roth retirement plan (401(k), traditional IRA, 403(b) or 457(b)) to a Roth IRA?” The question isn’t surprising, given the new rules that took effect January 1 for Roth IRA conversions.
The short answer, which should not surprise you, is: “It depends.”
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September 29, 2009 |
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Whenever you leave a job, whether it’s your choice or not, there are many details and changes competing for your attention, and it’s easy to overlook the disposition of your employer-sponsored retirement plan such as a 401(k), 403(b) or 457.
Click here to read the article at Merriman.com
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August 18, 2009 |
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Investors often ask us how to follow our model portfolio suggestions in
conjunction with 401(k) and similar retirement plans that have limited
options. This is a good question, one that’s easier to understand if you think
of an analogy: What if the issue were having a balanced diet instead
of a balanced portfolio?
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August 11, 2009 |
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Retirees often ask us if they should consider their Social Security as
part of their portfolios. It’s income, and it seems to many people as
if Social Security should be in the fixed-income part of their asset
allocation. Though a lot of people take that view, we think this is a bad idea. For
several reasons we discourage our clients from doing this.
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July 07, 2009 |
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Because the past is known and fixed, it’s relatively easy to calculate the outcomes of various choices that investors might have made. But sometimes this analysis is too simplistic for making useful choices that will apply to the future.
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June 15, 2009 |
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When I mentioned the topic of this article to some of my colleagues, they were instantly curious about what book I call my favorite. Huckleberry Finn? The Bible? John Bogle’s Little Book of Common Sense?
Nope. All of those are excellent books. But in this case my favorite book is one you can’t read yourself because you can’t buy it or find it at a public library.
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March 16, 2010 |
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When you reach retirement, four major decisions will determine the bulk of your financial future. This article is about two of those decisions:
• How much income do you need or want from your retirement portfolio?
• Do you need a fixed stream of income you can count on, or can you tolerate cash flow that goes up and down depending on the success of your investments?
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