Tag: retirement planning

A Cruel Choice


Why pay attention to convergence?  Maybe because it matters, as in “poorly handled it might kill you.” People have known for some time that retirement is life-threatening.  Some professions more than others, but no one is immune.  I once had a client ask if… Continue Reading “A Cruel Choice”

Build Deep Depth


Have you ever noticed how many dictators die while they are still the dictator? Many violently. Have you wondered why? There are a few obvious reasons. They tend to be paranoid megalomaniacs They tend to have no meaningful retirement plan They tend to have… Continue Reading “Build Deep Depth”

But, What Does That Mean?


Forrest Gump is famous for the line, “Stupid is as stupid does.”  Money is the same.  “Money is what money does.”  The amount of money does not matter unless you use it. I suppose the way to look at it is that someone with… Continue Reading “But, What Does That Mean?”

How Hard Could Retirement Planning Be?


You are 45 and have come to realize that you may not want to work forever. Retirement planning is suddenly a priority. Where to start and what to do about it? Starting matters so let’s look at it first. Many people become needlessly frazzled… Continue Reading “How Hard Could Retirement Planning Be?”

Context Matters


Planning and implementing the plan is about understanding yourself, your resources and your needs, understanding the methods that are available to achieve your goals, persistent application of the methods and periodic checking to make sure the choices are still optimal. An important element of… Continue Reading “Context Matters”

Hoping Is Not A Viable Investment Tactic


People are looking forward to the return of normalcy. The stock market will make a little sense, bonds will return a reasonable rate, real estate will be predictable, jobs will be available for those with skills and work-ethic, government will restrain itself and there… Continue Reading “Hoping Is Not A Viable Investment Tactic”

How Much Retirement Income Do You Need?


I suppose the simple answer would be “More!” That is not impossible to achieve, but to get it you need to plan and execute better.  If you think about planning, it is the process that connects available resources with desired outcomes.  Unfortunately for many,… Continue Reading “How Much Retirement Income Do You Need?”

Will You Buy This Life Insurance Policy?


Suppose I offer you a life insurance policy with a level premium for life, that cannot be cancelled, has no cash value, does not pay anyone if the beneficiary dies before you, disallows you changing the beneficiary, cannot be assigned to anyone else, and… Continue Reading “Will You Buy This Life Insurance Policy?”

A Retirement Planning Process


Retirement planning is not as hard as many think.  It involves two simple processes. From now until retirement, each month, collect little pieces of money and accumulate them until you have a big pile. Beginning at retirement, each month, turn the big pile of… Continue Reading “A Retirement Planning Process”

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