"Advisor Perspectives" Articles

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Weekend Reading: Managing Taxes in Retirement: Income Thresholds versus Incremental Average Tax Rates

Here, past podcast guest, Wade Pfau, highlights how to strategize the withdrawal order between your three tax buckets (taxable, tax-deferred, tax-exempt) by utilizing two different distribution methods: The adjusted gross income (AGI) threshold strategy versus the incremental average tax rate method.

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Weekend Reading: Why Volatility is the Wrong Measure of Investment Risk

According to the 1950-era modern portfolio theory, volatility is the most appropriate measure for portfolio risk. It draws down to utilizing the statistical concept of standard deviation; but while this makes the metric mathematically simple and easy to estimate, it also carries some disadvantages.

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Weekend Reading: How to Think About Annuities

Should you love or hate annuities? To reach a thorough conclusion, answering this question involves a bit of introspect and research. Above all, it’s important to keep in mind that no investment vehicle is perfect, and oftentimes, popularity will shift based on behavioral finance and current economic conditions.

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Weekend Reading: How to Plan Retirement Income for a Constrained Investor

To determine if you are a constrained investor, you would calculate the ratio of your minimum annual living expenses to the value of your net investment assets. If the outcome is more than three percent, you could be classified in the constrained category.

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Weekend Reading: Why Critics of Bucketing Strategies are Wrong

Bucket strategies are immensely popular in the realm of retirement planning strategies, but as with any financial approach, they have their naysayers too.

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Weekend Reading: Ten Insights from the Originator of Financial Therapy

The behavior and decisions you make around money root far deeper than you might ever realize.

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Weekend Reading: Fear and Greed: An Investor's Worst Enemies

With a lack of clarity still in the financial forecast, this article spotlights two fear and greed-based biases you will want to be aware of, so you can learn to not only manage them, but to also put more focus toward the long-term success of your investments.

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Weekend Reading: When Advisors Violate Their Fiduciary Duty

At Howard Bailey, we take pride in the fact that our team is held to a fiduciary standard. Simply put, this means we are responsible to act on behalf of our clients, and must continually put their needs ahead of our own.

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Weekend Reading: What Does Passing on Values to the Next Generation Really Look Like?

Values ultimately lend a hand in the legacy you leave behind, which might make the question of how to pass them on to your children or grandchildren seem daunting.

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Weekend Reading: The Secret is Out on 7.12% Inflation-Protected Bonds

If you haven’t heard, now might be the time to turn your attention to Series I Bonds (I Bonds).

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Weekend Reading: An Actuarial Process for Better Decisions in Retirement

This article hones in on utilizing actuarial methodology when it comes to determining how much you can afford to spend in retirement – specifically, through the floor-and-upside approach.