How much can clients spend sustainably in retirement? This presentation provides an overview of Wade Pfau’s new book, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, which focuses on sustainable spending from investments. He will explain the financial planning research on sustainable spending from investment portfolios in the face of a variety of retirement risks. You will also learn:
Wade will answer attendees’ questions during the webinar and will be available to continue the discussion on APViewpoint.
As Thanksgiving approaches, we are reminded of our history. Financial planners are the voice of the financial industry for many of our clients. Here’s a bit about the history of interest rates in this wonderful country of ours as well as globally.
How relaxing government control can help.
News headlines don’t tell the whole story about growth and jobs.
The probability-based school of thought on retirement income investing, with its emphasis on total-portfolio return, has dominated financial planning since the 1990s. But is it still relevant today? In this session, Wade will examine the core methodology and assumptions behind this approach and discuss how time-segmentation strategies offer a more holistic alternative. Advisors will learn:• Why longstanding assumptions about safe withdrawal rates and the “4% rule” may no longer be relevant;• How time segmentation allows clients to use varied investment strategies and vehicles to generate needed income during different phases of their retirement; • How time segmentation helps advisors deliver more customized, needs-based retirement-income planning solutions for their clients.
Proposed legislative rollbacks and Trump administration proposals on corporate governance and climate change have raised concerns about their potential impact on environmental, social, and governance (ESG) investing.In this presentation, Abdur Nimeri, Senior Investment Strategist for FlexShares Exchange Traded Funds (ETFs), will discuss how ESG-oriented investors and advisors may need to position their portfolios to navigate uncertainties such as:· The possible rescinding of corporate disclosure guidelines set by the Securities and Exchange Commission· The increased use of nuclear and fossil fuel energy in a deregulated environment; and· The ramifications of the potential withdrawal of U.S. involvement in the Paris Agreement on Climate Change.Abdur will also discuss the outlook, opportunities, and risks for ESG investors and new analytic tools for identifying ESG investment candidates and explain why the overall outlook for ESG investors still remains promising.
When comparing strategies for coordinating home equity with portfolio distributions to generate retirement income, the tenure option fairs well. As a way to fund retirement efficiency improvements, using the tenure payment option from the line of credit as an alternative to purchasing a SPIA or DIA is worth exploring further.