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How to Invest For a 30+ Year Retirement

July 9, 2019 by Ashby Daniels, CFP®

A couple of weeks back, I had the pleasure of chatting with Taylor Schulte, CFP® on his retirement podcast, “Stay Wealthy.” Taylor is a highly respected retirement expert, so naturally, I was excited to have a public chat about a topic we are both passionate about. On the podcast, we discuss my post, A Portfolio Strategy for 30-Year Retirements, to include the following topics: Why living longer should be a… Read More

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

Why I Prefer Dividend Income Over Total Return in Retirement

June 19, 2019 by Ashby Daniels, CFP®

The one constructive response I received on the article, A Portfolio Strategy for 30-Year Retirements, was the preference for total return versus dividend income. If you haven’t read it, I’d encourage you to do so now as what follows will make much more sense. Before we dive in, let’s first define total return investing. Total return investing is the idea that there is no preference for investment gains, whether via… Read More

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

A Portfolio Strategy For 30-Year Retirements

May 30, 2019 by Ashby Daniels, CFP®

PLEASE NOTE: This is a long post, but I passionately believe that if retirees have any chance of getting things right, they must properly understand all the underlying assumptions they are making in their retirement planning decision process. And because I view the subject(s) of this particular article to be so important, I wanted all the thoughts in one place instead of being spread amongst three or four individual posts… Read More

Filed Under: Financial Planning, Investing, Passive Investing, Planning Process, Popular Posts, Retirement Income Planning, Retirement Planning

Softening the Edges of the Market

May 2, 2019 by Ashby Daniels, CFP®

As I was sitting in traffic on my way to the office this morning, I thought of the opening scene of the movie Office Space. If you haven’t seen it, take one minute and watch the video, it’s so relatable!  As I was watching the drivers around me weave from lane to lane, there appeared to be a very clear connection to “chasing performance” from an investment perspective.  Chasing performance… Read More

Filed Under: General, Investing, Retirement Income Planning

Why Average Market Returns Mean Nothing

April 22, 2019 by Ashby Daniels, CFP®

David Hultstrom of Financial Architects puts out a great quarterly newsletter for financial advisors (and a great one for investors as well). In the most recent version of his advisor newsletter, he posted the following chart below with some great commentary that I wanted to share with you. The average compound return (i.e. geometric) is 9.75% (red line). Only in 1992 did an annual return round to 10%. In only… Read More

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

An Easy to Understand Guide to Required Minimum Distributions

April 17, 2019 by Ashby Daniels, CFP®

Despite the fact that Required Minimum Distributions (RMDs) impact everyone above age 70.5 with a tax-deferred investment account balance, there is still a surprising amount of confusion around the subject of RMDs and how to calculate the distribution required. Before I get to the actual calculation, I’ll briefly address some frequently asked questions about RMDs many retirees may be curious about. What is an RMD? This is the mandatory minimum… Read More

Filed Under: Retirement Income Planning, Retirement Planning

Why I Choose to Focus on Helping Retirees

April 8, 2019 by Ashby Daniels, CFP®

Given that I focus exclusively on retirement planning for individuals, I am often asked the simple question, “Why?”. There are three primary reasons: (1) It’s needed. The American College conducted a retirement literacy quiz with over 1,200 Americans age 60-75 with at least $100,000 in household assets (not including their primary residence) and the results were putrid. • Retirement literacy remains low – 74% failed the 38-question retirement literacy quiz!•… Read More

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

Spending Your Life Savings – Two Ideas For Overcoming the Fear of Spending in Retirement

February 27, 2019 by Ashby Daniels, CFP®

Retirement should be one of the most fun times of your life. But, generally, that’s only possible if you’re comfortable spending your life savings. I find that there are two psychological barriers that tend to restrict spending in retirement that I think are largely overlooked by the retirement community. If you intend to get comfortable spending in retirement, it helps to be aware of these barriers and find strategies to… Read More

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

Should You Take the Pension Or a Lump Sum?

February 14, 2019 by Ashby Daniels, CFP®

For those that are lucky enough to have a pension, this is always a popular question. For those without a pension of any sort, this is one to skip. Given that I’ve gotten this question a few times over the past couple months, I wanted to provide some thoughts on this topic. When it comes time to retire, if you are offered a pension, you will likely be offered one… Read More

Filed Under: Annuities, Retirement Income Planning

Should You Buy An Annuity For Retirement?

January 15, 2019 by Ashby Daniels, CFP®

Annuities get a bad wrap. Most of that bad wrap is justifiably earned. Annuity providers often reward the “salesperson” (yes, many times, that is what they are) with a big commission check. As such, they are incentivized to encourage (scare you into) putting as much of your money as possible into annuities. As a result of those sales antics, many advisors that take the other side of the annuity argument… Read More

Filed Under: Annuities, Retirement Income Planning

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