Planning for “Fixed” Income During Retirement
Fixed Income in retirement can come from many different sources of assets. It may be a pension, real estate rental income, bond/CD ladder, annuity, Social Security, or even an income-yielding individual bond. In all scenarios, using “fixed” income as retirement income comes with many different benefits and risks. While it is very situationally dependent, in […]
Evaluating Pension Options
Each year we are seeing fewer workers covered by a company pension plan. Overwhelmingly companies are trending away from the traditional pension- a defined benefit, to a defined contribution plan like a 401k. By and large employers have decided that guaranteeing a retirement income is too expensive. If you are lucky enough to be in […]
Benefits of Multiple Income Streams at Retirement
In our second Atheneum article for this quarter’s Retirement Income subject, we discuss the benefit of having multiple income streams during retirement. To understand the advantage of having multiple income streams, it is important to first understand one of the most important factors that affects portfolio longevity when taking income: sequence risk. According to Investopedia, […]
Disability Insurance – Protecting Families and Businesses from Disaster
According to the Social Security Administration, just over 1 in 4 of today’s 20-year-olds will become disabled before reaching retirement age¹. With such high odds of experiencing a disability for some period of time, it is clear that financial plans should consider ways to limit the financial impact of disability. After all, when someone becomes […]
Resources
We keep informed on the latest trends and market insights so we can offer you the best opportunities, support and expertise – whenever you need it. Topics Select Topic 401k & Benefits Asset Allocation Ballast News Budgeting Business Buying & Selling Business Decision Support Business Planning and Consulting Business Plans Career Counseling Cash Flow Center […]
Asset Allocation Factors: Time and Emotion
When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest. At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” […]
The Driving Forces Behind the Closely Watched Consumer Price Index (CPI)
By: Brian Burton, CFP® Key Takeaways: CPI is the average change in the prices paid by consumers for a basket of goods and services over time that demonstrates price trends within the economy The Bureau of Labor Statistics (BLS) reports index weights for eight major categories and many more specific items resulting in the […]
Managing a Household Allocation
One of our mantras in planning is to “Know What You Own.” Peter Lynch popularized this term during his management of a Fidelity mutual fund in the 1980’s, and we think it applies to more than just investments. Your home, your health insurance, your business, and yes, your investments each have features, risks, and opportunities […]
Top 10 Personal Finance Best Practices
As more investors seek out and embrace personalized asset management and individualized financial advice, industry tycoons Vanguard and Russell Investments researched the value created by professional advice. Both companies measured the impact on investor returns when partnering with an advisor who provides skilled management and guidance. Russell Investments identified up to an additional annualized […]
Asset Allocation Factors: Time and Emotion
When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest. At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” […]
Asset Allocation Factors: Time and Emotion
When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest. At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” […]
Managing a Household Allocation
One of our mantras in planning is to “Know What You Own.” Peter Lynch popularized this term during his management of a Fidelity mutual fund in the 1980’s, and we think it applies to more than just investments. Your home, your health insurance, your business, and yes, your investments each have features, risks, and opportunities […]
