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…
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Allison Berger, CFP®, participates in “Jump-Start Your Retirement Plan”
On Thursday, February 7th, Kiplinger teamed up with the National Association of Personal Financial Advisors (NAPFA) and the NAPFA Consumer Education Foundation to answer retirement and financial questions. The program was…
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…
Student Loans? Pay as You Earn Can Help
Did you know that the amount of outstanding student debt in the US increases each year? In an effort to help with the ever-increasing weight of this debt, a new income…
Inheritance – 3 Steps to Handle the Details
You find out you’re receiving an inheritance and the first thing that comes to mind is – What next? Inheritances can provide incredible flexibility but without effective financial planning, you…
When Will Interest Rates Rise?
Source: http://www.econ.yale.edu/~shiller/data.htm That is a question asked by many investors today. One way to analyze this question is look at previous situations in US history when bond yields reached levels…
Contribution Limits Increase for 2013
Have you made your 2012 Roth IRA contribution? If you have not yet made the maximum contribution, you still have time! Tax payers have until Monday, April 15th of 2013…
Top 10 Economic Stories of 2012
As we did last year, Financial Symmetry has covered several current events on our blog throughout 2012, and here are what we think the Top 10 Economic Stories of the…
Seven Tax Tips for 2012
Photo credit: Alan Cleaver Tax planning is an essential part of financial planning. With all of the talk about the fiscal cliff dominating the headlines, it’s important to remember that…
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…
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