Understanding Retirement Date Risk
by Michael E. Kitces, CFP®, CLU®, ChFC®, RHU, REBC
Find out why saving a little for a long time may be riskier than you think.
Practice Management Solutions
5 Steps to a New Marketing Plan
by Kristen Luke
Now is the time to develop your sales and marketing strategy to achieve your goals for 2014.
Go Small to Grow Big in 2014
by Kristin C. Harad, CFP®
Gain absolute clarity on your marketing efforts. Know which methods to employ and which to ignore.
Actively Managed ETFs Attract Few Fans
by Rick Ferri
Unless active managers get better at their craft, the party for actively managed ETFs may be over before it starts.
Defining a Fee-Only Fiduciary Profession
by Ross Levin, CFP®
“Fee-only” seems clear-cut, but some subtleties can make it confusing.
How the Mid-Market Makes Retirement Decisions
by Betty Meredith, CFP®, CFA, CRC®
When a client tells you he is about to retire, and you know he is not ready, what do you say?
Tax & Estate
Retirement Planning and Life Insurance: Some Traps
by Jon J. Gallo, J.D.
Two potential problem areas need to be considered before creating an irrevocable life insurance trust.
Counting Snowflakes: The Emotional Side of Retirement
by Eileen Gallo, Ph.D.
Don’t underestimate the psychological and emotional issues involved in making the decision to retire.
Measuring the Risk of Running Out of Money in Retirement
by Grant Gardner, Ph.D.; and Sam Pittman, Ph.D.
This paper presents two important innovations that will help financial planners improve the spending and asset allocation decisions of their clients in retirement.
The 6.0 Percent Rule
by Gerald C. Wagner, Ph.D.
This author shows how with a 30-year spending horizon and first-year withdrawal of 6 percent, reverse mortgage scheduled advances as a portfolio supplement give “spending success” levels of 88 percent to 92 percent.
Increasing the Sustainable Withdrawal Rate Using the Standby Reverse Mortgage
by Shaun Pfeiffer, Ph.D.; John Salter, Ph.D., CFP®, AIFA®; and Harold Evensky, CFP®, AIF®
The findings from this research suggest that the adage of using a reverse mortgage as a last resort could be a huge mistake in a rising interest rate environment where a retiree waits to set up a line of credit in the future.