News & Insights

I recently attended a retirement party for a friend and colleague. It was a fun affair with family, friends, colleagues, food and champagne.

Spending money is easy when you’re still working. But how about if you are thinking of retiring? A key assumption in any retirement cash flow projection is estimating how much will we spend in our golden years. One approach is to assume a constant level of spending every year throughout retirement (e.g. 80% of pre-retirement income), with some variability based on income and lifestyle. However, in our experiences working with clients over the years, spending patterns typically evolve over time. Certain categories, such as health care costs, are likely to increase as we get older; other

Big data and data analytics is becoming prevalent in every area of our lives. So, what is it and what does it mean for our portfolios?

Big data is a catch-all term for large data sets that may include unstructured data (think: text, audio or video). More and more companies are using these data sets to analyze and determine trends on which they can base business decisions. Data analytics has been used in mutual fund investing in the past. But as artificial intelligence and systems built to analyze large data sets allow easier access to this type of knowledge, big data may factor into more fund

If you plan to retire in less than 10 years, will your financial resources, your “nest egg,” be enough to maintain your desired lifestyle in retirement?

Unfortunately, a required minimum distribution must be withdrawn by the required deadline, typically December 31st of the calendar year.

I recently read an article declaring the “end” of the 60/40 portfolio of stocks and bonds. Should we be selling our bonds?

Have you ever wondered how you will be able to afford life in retirement? Did you ever stop to consider when might be a good time to think through these details?

For all of the hoopla surrounding the Tax Cuts and Jobs Act (TCJA), it is hard to determine whether the end result has been a net positive or a net negative.

We’ve come to take for granted that anytime you hear someone has a pension, that it’s like they’ve won the golden ticket to Willy Wonka’s Chocolate Factory.

Growing old in America is not for the faint of heart.