Living Retirement Better. TM
Objective CFP® Professionals.
Planning, Investing & Taxes
Who We Serve
Clients most often come to us when they get serious about planning for retirement. Over the years, we have found that our clients—while unique and diverse—have similar needs and traits.
Our clients tend to be a lot like we are—ambitious, friendly, generous, and optimistic. They (like we do) value time, transparency, and financial independence; they love their families and have purpose to their lives; they are successful, smart, and wise enough to seek advice from subject-matter experts. They also prefer to stay informed but delegate financial management duties to free up their time and ensure things are done right.
Whether you are at the end of a successful career, or at the early stages of a new one, we can effectively serve you with an appropriate level of services and expertise. Our goal is to help make the most of what you have so that you can gain the financial peace of mind you seek.
Recent Articles & Podcasts
Ep 72: How Your Retirement Spending Is Likely To Change With Age
In the last episode, Kevin answered a listener question on inflation. He explained why retiree spending patterns in part combat inflationary risk retirees face.
Now hear Kevin delve deeper into retiree spending patterns. If you don’t want to work longer than you have to or want to spend more in retirement, this is an episode you’ll want to listen to.
Traditional retirement advice of having a steadily increasing income for life is wrong for most. Rather, spending tends to decline with age at a real rate of 1% yearly although increasing healthcare costs at the end of life are common.
Carefully modeling these age-related changes and monitoring your plan over time will help you Retire Smarter. Continue reading
Ep 71: Inflation Expectations & Implications On Your Investments & Retirement
Your money today will buy less next year. This decline is due to inflation, which is often believed to be the silent killer for a retirement income portfolio over time.
After all the 4% spending rule had it’s worst result starting in 1966 — a time when inflation began to rise and peaked in the 1970s while economic growth was choppy at best. Might the future resemble this difficult time?
Hear Kevin answer a listener question on inflation and whether the high levels of government spending and rising deficits are likely to lead to high inflation. And, if so, what changes should be made to your planning and investing strategy? Continue reading
Why Small, Cheap Stocks Still Make Sense
When Nobel winner Eugene Fama studied the long-term performance of U.S. equities in the early 1990s, he found that stock returns had decreased with size and cost. The smallest, cheapest companies had provided higher investment returns than the biggest, costliest firms.
Though initially counter-intuitive to many – why wouldn’t you want to invest in the biggest and best companies? – it made sense. Large-growth stocks were safer economic choices, operating reliable businesses well-positioned to survive recessions. Thus, they were handsomely valued, at prices that limited their potential for future increases. Continue reading
