The Safe Savings Rate

Month: November 2015

November 28, 2015  |  

The Safe Savings Rate

Key Takeaways • Where it all started–the safe withdrawal rate. • My transition to the safe savings rate—the amount of income you need to sock away for retirement. • A comprehensive financial plan is best, but off-the-shelf tools and two popular “rules of thumb” can help. The Safe Withdrawal Rate About 20 years ago, a financial planner and former engineer, named Bill Bengen, published a now-famous study about calculating the ideal annual withdrawal rate from […]

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November 20, 2015  |  

How We Select Investments

When introducing evidence-based investing, we like to begin by explaining why we feel it’s the right strategy for those who are seeking to build or preserve their wealth in wild and woolly markets. Of course sensible strategy is best followed by practical implementation, so it’s also worth describing how we select the funds we typically employ. Round One: Speculative vs. Evidence-Based Strategy Our selection process is like a highly personalized, single-elimination tournament. We still consider […]

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November 16, 2015  |  

Planning Concerns of Divorcing Couples – Part 2

10 “Must Know” Areas of Potential Financial Contention Please see Part 1 here: Planning Concerns for Divorcing Couples – Part 1 Child Custody, Child Support, and Alimony When parents separate and divorce, one of the most emotionally charged issues involves the children and who will live with them. Determining the extent of child support, and possibly the enforcement of child support payments, is also cause for stress. Child custody is based on a number of […]


November 13, 2015  |  

Planning Concerns of Divorcing Couples – Part 1

10 “Must Know” Areas of Potential Financial Contention Key Takeaways Know all the moving parts. Divorce touches all areas of wealth management. Consult with your wealth manager who will coordinate all of your advisors, not just your divorce attorney. Divorce is big business and your interests may not always be aligned with the system. Take your time. Don’t get pushed into making hasty, expensive decisions just to get the process “over with.” Uncertainty is a […]

November 9, 2015  |  

File and Suspend No More: A Guide to the Recent Changes in Social Security

Key Takeaways: The recent budget deal eliminated the “File and Suspend” Social Security benefit strategy. File and Suspend allowed married couples to maximize their benefits by deferring collection of individual benefits until age 70 while still receiving a spousal benefit. If you will turn age 66 by May 1, 2016, or 62 by December 31, 2015, you may still be able to take advantage of File and Suspend before it’s too late. As you may […]

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