Retirement Plan Fees
Last year we wrote about new 401k fee disclosure requirements and the evidence suggesting that most 401k participants did not know they were paying for any plan costs. The structure of…
Posts by Allison Berger
Liability Relative Investing to Combat Inflation
For many people, evaluating their financial situation means just reviewing investment performance against the Dow Jones Industrial Average. Now, Morningstar has produced new research they call Gamma, which highlights the value of smart financial planning. This…
Asset Location and Withdrawal Sourcing
While the Morningstar Gamma research found that a dynamic withdrawal strategy has the greatest impact on retirement income, the strategy above was a close second. Asset Location Asset Location refers…
Annuity Allocation
The Morningstar Gamma research cites Annuity Allocation as one of the five ways to increase retirement income. They assume 25% allocation to a fixed annuity with a payout rate of…
Dynamic Withdrawal Strategy – the 2nd Gamma Component
As financial planners, we are often asked about how to fund retirement income needs. Traditionally income in retirement has been thought of as a three-legged stool-Social Security, pension, and withdrawals…
Benefits of Tailored Investment Advice
Photo credit: stockmonkeys.com The value of investment advice can make a real difference over the life of your portfolio. In our previous post we noted that the research on Gamma…
29% Retirement Raise
A recent study from Morningstar suggests that implementing solid financial planning strategies can increase a retiree’s investment income by 29%, which they equate to an additional 1.82% in investment returns…
401k Fees Coming your Way
Source: Tax Credits Traditionally the costs associated with investing have been fairly difficult to ascertain. Mutual funds charge expense ratios to pay managers and support staff while custodians and plan…
‘Tis the Season to Shop for Medicare
Have you been seeing the commercial below a lot lately? What is Medicare Open Enrollment? It is open enrollment season for Medicare prescription drug (Part D) and Medicare Advantage Plans…
The Price of Safety
One of our most important jobs as financial advisors is to help our clients manage risk. This takes on many forms, but one of the most central is investment risk. …
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