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RETIREMENT.
Tax Planning
There’s a tremendous difference between tax planning and tax preparation. Effective tax planning can save you thousands, tens of thousands, or even hundreds of thousands of dollars over your lifetime. Think about it – when your accountant or tax preparer sits down to...
The Bucket Plan
The Bucket Plan is a three-bucket approach to segmenting your money, based on the purpose and time before you will need it. Essentially, you are buying time with the funds you will need sooner, so you can invest the funds you won’t need until later for long-term...
Sequence of Returns Risks
Sequence of Returns Risk comes into play as you transition from your accumulation years, to your preservation and distribution years. It simply refers to the order in which good and bad market returns occur. Think about it - if you take yearly withdrawals from a...
The Money Cycle
Have you ever heard of The Money Cycle? The Money Cycle is something that we all go through during our lifetime. There are three phases: accumulation, preservation, and distribution. The accumulation phase starts early in life. When you are accumulating assets, you...
Managing Volatility
In order to understand how to manage volatility, I first need to explain what a majority of the financial industry preaches about it. First, it’s based on something called Modern Portfolio Theory, which is based on some very good research. The problem is that the...
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
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
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
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...
Tax And Wealth Advisors | Comprehensive Retirement Planning | Conservative Investment Strategies