Planning Perspectives

Market Volatility in Retirement: Addressing Sequence of Return Risk

Deciding to retire during market volatility can be a tough call. Do you stick it out for another year, or take the plunge?   Even with a well-diversified global portfolio, the timing of retirement can expose an investor to “sequence of return risk,” which is the risk that a market downturn will occur early in retirement.    When a…

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U.S. Debt Ceiling Debate: A Long-Term Investor’s Perspective

The debt ceiling debate is dominating the headlines. In a nutshell, the debt ceiling is a limit that is set by the U.S. Congress on the total amount of debt that the Federal government is legally allowed to borrow.  Since the 1960’s, the debt ceiling has been raised a total of 78 times.   There have been…

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Social Security Update

On August 31, 2021, the Social Security Board of Trustees released its annual report, which included the latest projection for the Old-Age and Survivors Insurance (OASI) Trust Fund. According to the report, if Congress does not act, the fund is projected to become depleted by 2033, a year sooner than the estimate provided in 2020.…

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What To Do About the Coming Inflation (or Deflation)

The annual change in the Consumer Price Index “CPI” exceeded more than 5% for the second month in a row, raising concern that we may be entering an inflationary period. How concerned should investors be? Before we get into that, we should begin with a short primer on what inflation is. Inflation refers to an…

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Best Practices for Year-End 2020

As we approach the end of the year, it is prudent to review your situation and make sure that you have taken advantage of all that you can from a financial planning standpoint before December 31st, as well as be sure you are positioned well for the year ahead.  With that in mind, here are…

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