There are a number of risks that can affect your retirement savings and plans. Some common risks to consider include:
1. Investment risk: The value of your retirement savings can fluctuate based on the performance of your investments. If the investments you have chosen underperform, it could impact the amount of money you have available for retirement.
2. Inflation risk: The purchasing power of your retirement savings may be eroded over time due to inflation.
3. Longevity risk: You may live longer than you expect, which could result in your retirement savings running out before you die.
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Present value is the organizing principle of the Actuarial Approach recommended on this website. Retirement sustainability ultimately depends on a single question: Can the present value of your assets...
Skip long phone holds and field office lines. Discover how an active online Social Security account gives you control over your records.
After publishing The Untold Burden Of Being Your Family's Financial Provider, I got this comment from a reader named Brian: “I can identify with this post as I am the family CFO / CIO. I think you are...
Hooray for the market's double-digit growth three years in a row, but it could be time to check in on your risk tolerance.
With $4 million saved, a couple wants a bigger home for their teens before retiring in eight years. In this week's Wealth Wise advice column, advisers reveal why it’s risky — and smart alternatives.
I am 9 years from retirement. Trying to figure out if I should pay off the mortgage ($360k) or invest the money. Sources show I should invest it. $200k to something like bonds and that should be my sa...
Investors often underestimate the risk in their portfolio. Today, Laura Stover and Michael Wallin break down 5 common portfolio mistakes, as outlined by Christine Benz in Morningstar. They are portfol...
Retirement planning involves mitigating risk and understanding the various risks that retirees face. Laura Stover and Michael Wallin break down these risks today, including reduced earnings capacity, ...
In this episode, Laura Stover, RFC® and Michael Wallin, CFP®, discuss the concept of a cookie-cutter retirement portfolio and its implications for retirees. They start by addressing the recent news of...
No one can predict the future of finance, so how do you make sure your portfolio is able to withstand the inevitable swings in the market? The answer is through stress testing, which has proven to be ...
Diversification is a risk management strategy that mixes a wide variety of investments within a portfolio. We'd venture to guess that everyone who is listening to this podcast is very familiar with th...
You'll never be able to predict the movement of the market but understanding the cycles will make you a better investor. The market goes through different phases and building out a purposeful portfoli...
Being flexible with spending absolutely matters in financial planning and it often gets overlooked when people step into retirement. Most people look at their budget and the assets that they've accumu...
We work with people that have investing questions all the time but there are two that investors often boil it down to. They want to know how long they need to be invested to be sure they don't lose mo...
The famous boxer Mike Tyson once said, "Everyone has a plan until they get punched in the mouth." He meant it about his opponents, but we can apply that same idea to financial planning in the middle o...
Reaching retirement doesn't mean you can put your plan in cruise control because plenty of risks remain. One that all recent retirees are dealing with is the sequence of returns risk. This is an overl...
We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there's not nearly as much thought and research given to how you take that money out once...
When things are down, everyone's risk profile gets much more conservative. Emotions shift as the market does, and we spend a lot of time consulting clients to help them keep balance. One of the produc...
If you go back to October of 2022, you'll find the worst 12-month period ever for bonds. With the pressure on the economy, bonds struggled right alongside many other investments. The last year showed ...
A declining market will make any retiree uncomfortable, and it could put your future in jeopardy if you haven't thought through your withdrawal strategy. Many retirees struggle to shift their mindset ...
Investors use rate of return to make decisions and evaluate performance all the time, but they often get misled by the average return. With the market showing some positive signs to start the new year...
I'm considering retiring in a few years at 60 and pursuing a masters at a public university in Italy or France. Possibly a degree in international development, environmental risk assessment, etc. that...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/0ce92d ======================= This is the q...
As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies ar...
Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, m...
Generous pensions can act as a safety net, but concentration risk and healthcare gaps still loom large for retirees. This week's Wealth Wise advice column breaks it down.
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/ad021b ======================= I've spent 15...
Far too many investors take either too much or too little investing risk for their goals. Here's how to get to the right level for you. The post An Appropriate Amount of Investing Risk appeared first ...
A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research. The post Sequence of Returns Risk: How to Protect Your Sa...
Sustainable retirement spending begins with quantifying the present value of your essential expenses and then allocating the remaining funded status toward discretionary “menu items” such as travel, h...
It can be hard to let go of stocks that have served you well, especially when a hefty tax bill results. What are the options when holding on becomes too risky?
Trust protectors can help protect against irresponsible trustees and other dicey situations that could put grantors' wishes at risk, estate lawyers say.
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= You probably think the ...
When it comes to a confident retirement, what if the biggest risk isn't running out of money, but waiting too long to enjoy it? As part of our "Freedom After 50" series, author Mike Drak explores: Why...
The most important aspect of investing is not returns; it's risk management. And that is important to think about when investing in bonds. The post How to Invest in Bonds appeared first on The White C...
REITs can offer high dividend yields and passive income for retirees, but they come with risks. Do real estate investment trusts belong in your portfolio?
I critique the popular investment strategy known as Risk Parity, noting that it is filled with misconceptions and inefficiencies. The author argues that recent performance has been disappointing, espe...
Hi, I am 60yo married looking to retire within the next couple of years. My house is paid off and per Zillow would likely sell for around $1M. I live in Seattle. I had a recent realization that I coul...
Everyone says to "invest for the long term," but what does that actually mean when you're approaching or living in retirement? As part of our "By the Numbers" series, in this episode, you'll learn: Wh...
When looking for a contractor or a financial adviser, hiring based only on price is risky. These questions will help you find the right person for the job.
July 27, 2026 – Welcome back to a new part of my Safe Withdrawal Rate Series. In my 10-year quest to study safe withdrawal strategies and find ways to hedge or at least alleviate Sequence of Return Ri...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= Two people retire on th...
$1,440,000 sounds like the finish line. For a lot of people it's actually where a brand new problem starts, one nobody warns you about before you get there. I've sat across the table from hundreds of ...
The most underestimated risk in retirement may be the one your financial plan can't prevent — the cognitive decline that happens when your mind isn't challenged.
Adviser Intel contributors have been discussing the risks of letting your spouse handle the family finances. How much do you know?
When thinking about where to retire, most seniors don’t think about fraud risks. But fraud is a growing threat to retirement security.
Powers of attorney are powerful estate planning tools, often signed without full consideration, yet they carry significant risk of abuse.
Does your retirement plan account for increasing healthcare costs and longevity? It's time to stop focusing on market returns and take a more complete approach.
If you're the only child of aging parents, decisions about care and financial affairs may fall to you. These are the risks — and the conversations to have now.
Planning for retirement can feel overwhelming, especially as you approach the transition from earning a paycheck to relying on your savings. The early phase of retirement brings unique challenges, and...