Evaluating a Pension Buyout

Brian Burton

Atheneum

Key Takeaways:   Calculating the “hurdle rate” of return is an important first step in determining whether staying in the pension or taking a lump sum is the best option for you. Beyond the math, there are other big-picture variables that should be considered before deciding. The pension vs. lump sum decision should be made … Continued

Putting a Value on Your Social Security Benefits

Brian Burton

Atheneum

Key Takeaways: Most retirees don’t think of Social Security as an asset and therefore exclude it from their balance sheet. The present value of Social Security payments over an average life expectancy can easily be several hundred thousand dollars. We can’t predict what will happen with Social Security down the road, so it is important … Continued

When Too Much Tax Deferral Becomes Counterproductive

Brian Burton

Atheneum

Click here to watch video in new window. Most of us have been told from early on in our careers to defer as much income as possible to ensure we’ll be properly prepared for retirement.  While not bad advice, most of these strategies involve only qualified deferrals, meaning all income tax gets punted until the … Continued

Diworsification – Can You Take Diversification Too Far?

Brian Burton

Atheneum

Key Takeaways: Diversification can be overdone – there is a point where adding another investment to your portfolio can be harmful to the risk/return profile The goal of portfolio diversification is to reduce volatility – owning assets that don’t always move in sync with one another. Naively attempting to diversify your portfolio by investing in … Continued

Some Perspective on the Fed’s Latest Meeting

Brian Burton

Weekly Update

Key Takeaways With ongoing inflationary pressures and a continued decline in the unemployment rate, the Fed appears ready to pick up the pace of normalizing monetary policy. The Fed confirmed that at this point they plan to raise the fed funds rate at the March meeting but reiterated that the pace and frequency of rate … Continued

The Importance of Asset Allocation and Diversification

Brian Burton

Atheneum

Not only has recent market volatility resulted in renewed anxiety for many investors, it has also been a stern reminder of the value of having a proper mix of assets in your portfolio.  The concepts of asset allocation and diversification can be traced all the way back to a 4th century text, the Babylonian Talmud, which … Continued

The Importance of Asset Allocation and Diversification

Brian Burton

Atheneum

Not only has recent market volatility resulted in renewed anxiety for many investors, it has also been a stern reminder of the value of having a proper mix of assets in your portfolio.  The concepts of asset allocation and diversification can be traced all the way back to a 4th century text, the Babylonian Talmud, … Continued