Financial Advisor & Retirement Planning

3Q 2014 Market Review Recap

  • By Nicholas Economos, CRPS® The editorial mission of the Fiduciary Advisor blog, and all of our FFP University publications, is to help investors translate the latest market news from a fiduciary perspective — putting their needs first on an active basis. Our quarterly market review webinars are a big part of that. We know that many of our clients don't have time to view the recent Q3 Market Review webinar, so I’ll summarize the key points here. And we’ll try to do this…

    The Longevity Risk of Extended Care Needs — What’s Your Plan?

  • By John Hillman, MBA, CFP®, ChFC®, CLU®, CLTC Planning how you will make up for any potential shortfalls from reductions in Social Security and Medicare benefits is critical to minimizing longevity risk. My inaugural post for The Fiduciary Advisor went into some detail on this. Another key longevity risk factor to plan for is extended care. If there is at least some risk that you might live long enough to become frail or cognitively impaired — and therefore need the…

    Retirement Funding Risk & Working Longer as “Plan B”

  • Our post for The Fiduciary Advisor briefly discussed funding risk and the fact that most Americans do not adequately contribute to their retirement plans. Funding risk is simply the risk of not having enough money with which to retire. Your contribution rate is very important, but your growth rate, and distribution rate when you eventually stop working, also factor into the equation. Not long ago, the majority of private sector employees had a defined benefit pension with a professional manager…

    Longevity Risk & Social Security — Pay More, Get Less

  •   By John Hillman, MBA, CFP®, ChFC®, CLU®, CLTC In our last post for The Fiduciary Advisor, we went into detail on investment risk. Another major retirement risk that has increased for many individuals is longevity risk. Simply put, longevity risk is the risk that payout levels are higher than expected due to increasing life expectancy trends. Knowing how much longevity risk you are taking on and how to best mitigate it is a crucial component of fiduciary financial planning. Social…

    Avoiding Investment Distractions & Reactions with Fiduciary Advice

  •   By Nicholas Economos, CRPS® In our inaugural blog post for The Fiduciary Advisor, we discussed how the risks of the American retirement crisis call for fiduciary advice — financial guidance that puts investor needs first by law. In this post, we’ll explore investment risk in more detail. Investment risk can be thought of as simply the risk that an investment’s actual return will be different than expected. As investment decisions have largely shifted from professional pension managers to individuals,…

    Ready to Experience a Different Kind of Financial Planning?

    Request an absolutely zero obligation consultation so you can be the ultimate judge of how we do.

    Request Consultation