Media & Resources
Retirement Planning Fintech Start-Up Income Lab Completes $1.7 Million Seed Financing Round
We are excited to announce that we have completed a seed financing round, raising $1.7 million from industry executives and investors, including Dave Agostine, a former managing director for BlackRock and former CEO of Cachematrix; Tom Florence, a managing director at...
A Stock Indicator that can Improve Retirement Income Decisions
In times of economic turmoil, it’s helpful to know that there is a long-term stock market indicator that can help us make better retirement income decisions. Numerous economic factors can inform retirement income decisions, but none has been discussed more than the...
How Do Black Swan Events Affect Retirement Income?
The term “Black Swan” has become a shorthand in finance for a large, sudden market drop.1 The dramatic stock market drawdown and economic events of the last month (like the 17 million new claims for unemployment in the last three weeks) have led many
What do Unemployment Claims Mean for Retirement Income?
In the last two weeks, the U.S. Department of Labor has released the highest weekly initial unemployment claims numbers on record. Almost 10 million Americans filed for unemployment over a two-week period at the end of March. To put these numbers in perspective, the...
Response and Insights to the COVID-19 Pandemic
Keeping with the spirit of unity, we will be publishing timely, relevant content to help financial advisors talk about the current financial downturn with their clients. COVID-19 has impacted us all and will have far-reaching effects on our day-to-day lives, please stay safe.
It’s Time to Retire Static Planning
The analytics behind today’s retirement plans focus on how things might work out if a given set of choices (investment allocations, portfolio withdrawals, cash flows, etc.) are carried on into the future without change. But this static approach to planning is a crude...
Sequence of Returns Risk Has Been Greatly Exaggerated
When trying to decide how much someone can afford to spend in retirement, we often worry about poor investment returns early in retirement. Poor returns early in retirement can permanently limit retirement income. Researchers call this Sequence of Returns Risk....
Planning for a Long Life Can Be Dangerous
On the face of it, planning for a very long life – well beyond life expectancy – seems like a great way to minimize risk in retirement. Assuming we will have to spread a nest egg out over a long retirement ought to cause us to be conservative and spend less right now....