Category: Retirement

Healthcare, Blockchain, Quarterlies, and More.

Our financial planning clients know that one of the great concerns during financial independence (retirement) is the uncertainty regarding healthcare costs. In fact, for the past twenty years or so we have modeled healthcare costs using a 6% annual inflation rate, twice the general rate of 3%. I still recommend this, however, there is the possibility that new technologies can… Read more →

The 2009 Bull Market Continues!

The 2009 Bull Market Continues! In early 2009, following the 2008 global credit crisis the US stock market began an upward movement which has continued without significant interruption. (See graphic below.) Of course, one question that is on the minds of many investors now is, “Can this continue?” I can answer that question. The answer is, “Yes, it can. But… Read more →

Our investors have done well!

Our investors continue to gain on inflation! During the third quarter of 2017 our investors’ portfolios, in the aggregate have increased in value by 4.12%. The average annualized return for our investors during the past 5 years has been +5.31%. The precise rate of inflation during the past 5 years is not yet known, but a good estimate would be about… Read more →

401K Rollovers, IRAs, RMDs and Fiduciaries

Are you planning to roll your 401K account into an IRA when you retire? As a rule that’s exactly what we recommend that our clients do, and for some very good reasons: A direct rollover is not a taxable event, so the beneficiary can continue to defer taxation of income and gains just as if the assets had stayed in the employer’s… Read more →

Social Security, Healthcare Costs and More.

Did you know that social security beneficiaries can have as many as 150,000 options to consider when making their benefit elections? That’s right, according to Laurence Kotlikoff, Ph.D., Professor of Economics at Boston University you might need to consider as many as 150,000 options in order to receive your maximum benefit. Dr. Kotlikoff has co-written a book entitled, Get What’s Yours, The… Read more →