Uncertainty: The Scourge of Retirement

You have worked long and hard to accumulate enough wealth to retire. It has taken skill, guts, determination, sacrifice, resilience, and maybe even a touch of luck, an inheritance, or some combination thereof. Now you are here on the precipice of retirement, more than ready…

The Fiduciary Standard: What It Means

Recently, the U.S. Department of Labor published the final regulation of what is known as the “Fiduciary Rule,” delaying implementation for 60 days from its scheduled start date. The newly expanded definition of fiduciary investment advice is scheduled to go into effect June 9, 2017.1…

The Science Behind Decision Making

In the 1940s, 90 percent of the stock market was owned by individual household investors. Today, with the widespread use of investment banking and mutual fund investing, individuals are responsible for trading only 20 percent of U.S. corporate equity.1 Do we no longer trust ourselves…

The Old-School Stool

The proverbial “three-legged stool” of retirement funding traditionally comprised Social Security, a company pension and personal savings, but that stool has been wobbly for quite some time. In fact, the traditional pension has been replaced largely by employer-sponsored 401(k) plans. This development firmly places the…

Foibles of Retirement Planning

The traditional retirement model was based on a rigid assumption that people worked 40 years until they were 65, and then enjoyed a retirement supported by a company pension plan. That model doesn’t exist anymore, at least not for the average worker. Social Security data…

Helping Make Your Retirement Money Last

For every five years longer a retiree lives, he or she spends about 15 percent less on average. This means that people in their 70s spend about half of what they do in their 50s. Even with the ramp-up in medical expenses that often comes…

Your New Vision of Retirement Plan

A surprising number of Americans do not have adequate plans for retirement. I invite you to consider with me some inherent factors to be thoughtfully addressed in a holistic “wealth management” strategy for retirement. Below are some provoking questions to get you thinking about your New…

Too Much Information: Sorting Out Fact from Fiction

We live in a culture of instant and abundant information. The benefits of this are many, and mostly obvious. But there is dark side that is less clear, and that can lead to less than optimal decisions and a degrading of lifestyle and well-being. This…

RETIREMENT PLANNING: The Heart of the Matter

As seen in “Lifestyles – Boomers and Beyond 2015”, a special section of The Issaquah Press, Sammamish Review and SnoValley Star. Yes, retirement planning can seem like a daunting task, and yes many, if not most people feel that they have started too late or…

Fox Business: “A Taxing Choice: How to Save for Retirement”

While life is full of many uncertainties, you can be certain that taxes will impact your retirement funds. However, with proper planning you can determine to what extent. Many facts today point to anticipated higher taxes in the future. But predictions aside, tax diversification and…