fbpx
The Flaw of Averages

The Flaw of Averages

The Flaw of Averages is probably the most misunderstood concept in all of investing AND the most important concept to understand if you want to build a solid retirement plan. The Flaw of Averages has everything to do with volatility. The concept of volatility is...
Social Security

Social Security

Lifetime Income Stability is a significant part of the equation as we focus on Planning for your preferred future. Social Security can play a foundational role on that bottom level of your cash flow pyramid, by providing a solid base of guaranteed, increasing,...
Cash Flow Planning

Cash Flow Planning

We’d like to introduce you to the three key concepts of Cash Flow Planning: • The Cashflow Pyramid• The Income Gap• Income Stability Ratio The Cash Flow Pyramid is a depiction of the different levels of confidence we can have with the different kinds of cash flow we...
Estimating Expenses

Estimating Expenses

We have a simple way of estimating your retirement expenses. Because, without a fairly accurate estimate, it is extremely hard to create a reliable retirement plan. If you’re one of those people who already has a detailed budget and tracks it regularly, you may...
Lifetime Income Stability

Lifetime Income Stability

Retirement is a cash flow problem. In fact, anyone who has planned their retirement the traditional way, focusing on whether they have enough money, has probably learned the hard way that this approach doesn’t always work. When the stock market plummets some 35%, and...