4% is more of a guideline than a rule

Originally published on Marketwatch.com http://www.marketwatch.com/story/4-is-more-of-a-guideline-than-a-rule-2014-08-26 In my last column I wrote about some considerations retirees should make when calculating how much money they are planning to withdraw from their retirement portfolio. I closed that article with a very brief discussion of the Trinity Study, also known as the 4% rule. The Trinity study was originally […]

Northern Nevada Used to be a Boomtown – It Can Be Again

Originally published on Nevada Business.com http://www.nevadabusiness.com/2014/08/northern-nevada-used-boomtown-can/ In early June, one of my clients asked me if it were safe to invest in real estate in northern Nevada. My response: Only if you are sure of two things: 1) If the margins tax on the November ballot would be defeated; 2) If northern Nevada would get […]

What to Expect from Jackson Hole: “Party On”

In the past, the Fed’s Jackson Hole Symposium produced some new and controversial proposals.  Two years ago, for example, then Chair Bernanke introduced QE3.  And, the financial markets loved it.  So, what can we expect from this Jackson Hole Symposium? Given the stances that Yellen has taken throughout her short tenure as Chair, it would […]

4% Rule calculating your retirement withdrawals

There are many factors to consider when deciding how much you should withdraw from your retirement portfolio annually. You need to think about life expectancy, the rate of return on your investments, inflation and your personal goals for your assets in addition to your income needs. In the case of a married couple who retires […]

How the economy really works

The latest economic controversy is something called corporate “inversions.” They occur when a U.S. domiciled corporation buys or merges with a foreign entity and moves their official headquarters out of the U.S. The media has painted this as almost criminal and the Obama Administration as “unpatriotic.” Most who get their news from sound bites believe […]

Fed policy and your retirement portfolio

Originally published in MarketWatch.com http://www.marketwatch.com/story/fed-policy-and-your-retirement-portfolio-2014-08-07 At the most recent Federal Open Market Committee meeting, Chairwoman Janet Yellen reiterated that the economy is improving and deflation risks are disappearing. The Fed is planning on ending its QE, or quantitative easing, program in October and hasn’t signaled that it will begin raising rates before next summer in […]