Funding a 30–year retirement will take financial planning prowess as you juggle the effects of inflation, distributions, and, Adaptive Asset Allocation. Are you up to the task?
George Foreman, the boxer–turned spokesman for portable grills, may have best summed up the retirement conundrum facing baby-boomers,
“The question isn’t what age I want to retire, it’s at what income.”
The amount you’ll need each year to maintain your desired standard of living is the most critical variable in the financial planning process. How long will you need financial planning advice? The answer is: for your entire life. No matter what your investment strategy is, financial planning for retirement should include a cash account with 2 years of retirement income. The investment strategies used by your financial planner-whether growth income or a combination of the 2-should be re-balanced each year with the cash account replenished. Investment returns matter. Seek financial planners that utilize an Adaptive Asset Allocation. Below we detail what those strategies should do.
Download our Income Hierarchy Worksheet to help you develop your retirement income plan.
1. Maximize returns with minimum risk in up markets
2. Protect value in down markets
3. Reallocate frequently. Unlike traditional asset allocation, which might realign your investments between 1 and 4 times per year, Adaptive Asset Allocation reallocates your portfolio 10-11 times per year
4. Align investments to market conditions. Unlike traditional asset allocation, which aligns asset mix according to answers to a risk assessment questionnaire, Adaptive Asset Allocation aligns your asset mix according to market realities
FINANCIAL INSIGHTS Share on facebook Share on twitter Share on linkedin Share on email When investing in a highly politicized climate, tune out the political noise and focus on the fundamentals. Focusing on the fundamentals while political investing is the real driver of investment returns. Mark Twain once said, “Never
FINANCIAL INSIGHTS Share on facebook Share on twitter Share on linkedin Share on email We are all aware that substantial changes are on the horizon when it comes to financial planning. Specifically, when it comes to retirement income planning. Whether it is taxes, inflation, the national debt, or the market,
FINANCIAL INSIGHTS Share on facebook Share on twitter Share on linkedin Share on email The roles women play in the workplace, in their families and with their finances are rapidly evolving. Women across generations are taking an increasingly active role in financial decision-making and preparing for retirement, including the planning,