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Latest episodes from HS 353 Video: Retirement Income Process, Strategies and Solutions

1-1-2 - What are the retirement decisions facing most clients?

Play Episode Listen Later Apr 8, 2016 17:02


We examine a variety of retirement decisions facing your client. We conclude that the help of an advisor is necessary and we become aware of how different decisions interrelate.

7-5-3 - Case study: Joe and Jane

Play Episode Listen Later Apr 8, 2016 24:04


1-2-1 - What are some of the basic costs of retirement?_clip

Play Episode Listen Later Apr 5, 2016 3:36


We review the costs of retirement healthcare/long-term care and the traditional notion of replacement rates. We learn that in order to have a high degree of certainty that assets will last a life-time that traditional replacement rate approach substantially underestimates the required need.

1-1-1 - Key Competencies for Retirement Income Planning

Play Episode Listen Later Apr 5, 2016 17:00


In this video we talk about the skills required by a financial advisor to perform retirement income planning.

1-2-2 - What is the retirement readiness of Americans?

Play Episode Listen Later Nov 21, 2013 26:48


1-2-1 - How much needs to be saved for health care costs in retirement?

Play Episode Listen Later Nov 21, 2013 8:54


1-2-3 - What does the EBRI Retirement Confidence Survey tell us about retirement confidence of today’s workers?

Play Episode Listen Later Nov 21, 2013 17:16


5-1-2 - Deep Risk and Shallow Risk

Play Episode Listen Later Nov 1, 2013 6:33


Wade Pfau’s recommended reading for those advising long-term investors is William J. Bernstein’s “Deep Risk: How History Informs Portfolio Design.”

7-4-1 - How can the planner monitor sustainability of retirement income for her client?

Play Episode Listen Later Feb 1, 2013 9:30


An analysis of a calculation (risquotient) that can indicate the degree of risk a client has for running out of savings during retirement. We learn how to recognize if a clients income is in jeopardy.

3-2-1 - Working During Retirement

Play Episode Listen Later Dec 21, 2012 5:58


How to help pre- and post-retirement clients stay relevant to the working world and resources for finding jobs later in life, with Anna Rappaport.

6-4-1 - Why choose the flooring approach to retirement income planning

Play Episode Listen Later Dec 12, 2012 7:28


We discuss the economic and psychological reasons for creating an income floor in retirement.

6-4-1 - What is the theoretical support for the flooring approach to retirement income planning?

Play Episode Listen Later Nov 13, 2012 3:40


In this video we discuss lifecycle investment theory, the theoretical underpinnings for the safety first, or flooring approach, to retirement income planning.

3-6-1 - What investment strategies can improve portfolio performance without adding risk?

Play Episode Listen Later Nov 13, 2012 24:23


7-2-2 - What type of equity investments should be used in a decumulation portfolio?

Play Episode Listen Later May 3, 2012 11:10


7-2-4 - What are the products used when the flooring approach is followed?

Play Episode Listen Later May 3, 2012 9:50


Thu, 03 May 2012 14:13:15 GMT f7d9a813947f471b9399be9e286e1be7 00:09:50

7-2-1 - What investment strategies should be used for the systematic withdrawal approach?

Play Episode Listen Later May 2, 2012 8:26


We discuss choosing appropriate investments in a portfolio with the systematic withdrawal approach. We learn that asset allocation and having a broad array of investments are both key considerations.

7-2-2 - What investment products should be used for the systematic withdrawal approach?

Play Episode Listen Later Apr 30, 2012 8:05


7-3-1 - Monitoring the retirement income plan

Play Episode Listen Later Apr 30, 2012 10:22


We learn about how often to monitor the retirement income plan and how important this step is to the success of the plan.

7-5-2 - Case study: Lisa

Play Episode Listen Later Apr 30, 2012 13:42


7-2-3 - What products work best with the bucket approach to retirement income planning?

Play Episode Listen Later Apr 30, 2012 4:20


7-3-1 - Forming the client relationship with a retirement income plan

Play Episode Listen Later Apr 30, 2012 4:12


We learn about clarifying what the client wants out of the relationship with the advisor when formulating an engagement to create a retirement income plan.

7-3-1 - Gathering data for the retirement income plan

Play Episode Listen Later Apr 30, 2012 10:52


We learn about what data to gather and communicating with the client to ensure that all relevant information is known at this crucial stage of the retirement income planning process.

7-3-1 - Analyzing data for the retirement income plan

Play Episode Listen Later Apr 30, 2012 10:21


7-3-1 - Communicating the retirement income plan to the client

Play Episode Listen Later Apr 30, 2012 8:19


7-5-1 - Case study: Evelyn and Bruce

Play Episode Listen Later Apr 30, 2012 21:34


3-1-1 - What can we learn from behavioral finance research about retirement savings?

Play Episode Listen Later Apr 18, 2012 12:45


1-3-2 - Steps of the retirement planning process

Play Episode Listen Later Apr 11, 2012 16:45


2-3-2 - Identify tools and approaches to making an evaluation of financial preparedness for retirement

Play Episode Listen Later Apr 5, 2012 13:39


7-3-3 - Software tools for retirement income planning

Play Episode Listen Later Apr 5, 2012 9:59


We discuss various methods for calculating how much a client needs to save for retirement need and learn about choosing the appropriate tool.

6-2-1 - What is the safe withdrawal rate strategy?

Play Episode Listen Later Mar 29, 2012 14:39


We examine the research about safe harbor withdrawal rates. We learn that four percent is not the magic number!

1-4-2 - How behavioral finance affects client communications

Play Episode Listen Later Mar 13, 2012 16:47


7-3-2 - Ensuring client participation in the retirement income plan

Play Episode Listen Later Mar 13, 2012 14:25


Joe Jordan discusses what clients really want from their financial advisor and begins to address some of the challenges involved in retirement income planning.

1-3-1 - A process for developing a retirement income plan

Play Episode Listen Later Mar 2, 2012 13:43


1-4-1 - Retirement Planning Technology

Play Episode Listen Later Feb 14, 2012 23:09


3-2-1 - What is the impact of deferring retirement age on retirement income adequacy?

Play Episode Listen Later Feb 10, 2012 6:17


We review data about the impact of deferring retirement and learn that deferral has the most significant impact on the retirement readiness of lower-income workers.

6-3-2 - What are the phases of retirement?

Play Episode Listen Later Oct 26, 2011 4:49


We look at planning for the things that can change in retirement. We learn about the spectrum of limitations imposed on the client as they age.

2-1-3 - Risk tolerance

Play Episode Listen Later Oct 18, 2011 4:01


We discuss the concepts of subjective risk tolerance and risk capacity. We learn that one useful definition of risk tolerance is how an individual values increases in consumption in relation to reductions in consumption.

3-3-2 - How do you execute a Roth IRA Recharacterization and/or Reconversion?

Play Episode Listen Later Oct 12, 2011 8:56


We learn why an individual who has converted a traditional IRA into a Roth IRA may want to undo that transaction (called a recharacterization). We also learn about the rules and deadlines for recharacterization as well the rules for reconverting that same IRA account into a Roth IRA a second time.

6-1-1 - What are the three approaches advisors are using when counseling clients about retirement income planning?

Play Episode Listen Later Sep 16, 2011 16:49


We discuss the systematic withdrawal approach, the "bucket strategy" approach, and the "essential vs. discretionary" approach to retirement income planning. We learn that the bucket strategy is a complimentary derivation of the systematic withdrawal strategy. We also learn the advantages and disadvantages of annuitizing essential expenses.

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