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2020 Required Minimum Distributions

by Ashby Daniels, CFP®

For those who aren’t aware, the CARES Act had already waived 2020 Required Minimum Distributions (RMD). But there was a slight oversight with regard to people who had already taken their RMDs as many retirees do in January each year. Well, last week, the IRS announced that for anyone who already took their RMDs for 2020 can roll those assets back into their retirement account as long as it is… Read More

Filed Under: Retirement Income Planning, Retirement News, Retirement Planning

Preparing For “What-Ifs”

by Ashby Daniels, CFP®

We are now a little more than two months out from the bear market lows. As the swift recovery ensued, I started hearing stories of investors who sold out of their portfolios around DJIA 19,000 “because the market was going lower.” They were right for the blink of an eye. With the market now back above 26,000, when are those investors supposed to get back in? I have to pose… Read More

Filed Under: Investing, Retirement Income Planning, Retirement Planning

Dividend Bear Markets

by Ashby Daniels, CFP®

An astute reader of last week’s blog post, Equities in Retirement: A 30-Year Case Study, asked a great question: “How much of a maximum decline in annual dividend income (based on prior historical experience) should one be prepared for?” In other words, during dividend bear markets, what level of income decline should we expect? The obvious answer is that I do not know because even the worst-case historical event is… Read More

Filed Under: Dividend Growth Investing, Retirement Income Planning, Retirement Planning

Equities in Retirement: A 30-Year Case Study

by Ashby Daniels, CFP®

Whenever I ask soon-to-be retirees what the ultimate goal of investing in retirement is, the most common answer I hear is: I don’t want to run out of money. Pretty straightforward, right? Here’s the problem. When I ask many of those same individuals what the primary objective of their retirement portfolio is, this is the typical response: Preservation of principal. Whether retirees realize this or not, those two goals run… Read More

Filed Under: Dividend Growth Investing, Investing, Retirement Income Planning, Retirement Planning

4 Stages of a Bear Market

by Ashby Daniels, CFP®

All bull markets must come to an end. Many of the gains of the last few years were abruptly wiped out in just a month’s time. The argument could be made that bear markets are healthy and are sometimes referred to as a feature, not a bug. I’ve come to believe that there are four stages of a bear market, each with their own emotional issues and include at least… Read More

Filed Under: Investing, Retirement Income Planning, Retirement Planning

10 Charts About Retirement Every Retiree Should See (2020)

by Ashby Daniels, CFP®

As a Retirement Planner, each year I eagerly await the release of J.P. Morgan’s Guide to Retirement. It is essentially a booklet of retirement charts filled with great information impacting retirees. Making it even better, it often highlights things that are regularly overlooked by just about anyone (including professionals) planning for retirement today. With that in mind, I have selected 10 charts that I think everyone transitioning into retirement should… Read More

Filed Under: Financial Planning, Healthcare in Retirement, Investing, Long-Term Care, Popular Posts, Retirement Income Planning, Retirement Planning

Spending in Retirement - An Observation

by Ashby Daniels, CFP®

Most of the people I am surrounded by are first-generation wealthy and I bet very few would even describe themselves as wealthy. One of the reasons they wouldn’t describe themselves as wealthy is because, in most cases, they came from meager backgrounds so the idea of being considered wealthy in any sense of the word is almost a foreign concept. Recently, I think I stumbled across an observation I have… Read More

Filed Under: Financial Planning, Retirement Income Planning, Retirement Planning

Retirement Income in Bull Markets, Bear Markets & Flat Markets

by Ashby Daniels, CFP®

I live in a bedroom community of Pittsburgh and there are two primary routes to get to the grocery store. Back roads and the highway. During perfect conditions, the backroads take about twelve minutes and the highway takes about nine or ten minutes. I always take the backroads and my wife would choose the highway most of the time. My logic is that in virtually all conditions, the backroads take… Read More

Filed Under: Dividend Growth Investing, Investing, Retirement Income Planning, Retirement Planning

When It’s Smart to Pay Capital Gains Taxes

by Ashby Daniels, CFP®

Imagine for a moment that you are the coach of a Major League Baseball team and you’ve successfully coached your team to the World Series. You’re about to start the 9th inning of Game 7 and your team is up 3-1. You are just three outs away from being crowned World Champions. A life-changing opportunity for players and coaches alike. But before the 9th inning begins, you visit the opposing… Read More

Filed Under: Financial Planning, Investing, Retirement Income Planning, Retirement Planning, Taxes

Retiring at Market Highs

by Ashby Daniels, CFP®

As we approach new all-time market highs, one fear I routinely hear is a concern over retiring at market highs. It makes sense given that sequence of returns risk is so prevalent early in retirement. If you experience a market meltdown during your first few years in retirement, that’s obviously not a good thing and most certainly not enjoyable. It’s the primary reason I advocate for pairing dividend growth investing… Read More

Filed Under: Investing, Retirement Income Planning, Retirement Planning

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