Should you take the lump-sum version of your pension or choose the lifetime monthly benefit. This may be one of the most important questions you face as you start retirement. Today, we want to simplify this and show you the process that we go through with our clients to help them make this important decision. […]
In this week’s FPF episode, I wanted to discuss something that all our clients want to know—how much can I spend each year in retirement? The answer depends on a variety of factors, and it is important to consider all of them before coming to an answer. Please let me show you how we do […]
Social Security and when to begin collecting can be very confusing, but it will be one of the most impactful decisions you will make regarding your retirement income. For that reason, we wanted to highlight seven key things you should know before you make your decision. 1. The full retirement age for social security is […]
Today we wanted to discuss one of the key measures of risk that we use at Presilium once clients are retired—how many years their financial plan has as a cushion. How many years can we only use the income and bonds in your investment accounts before we would have to use stock to meet your […]
Today we will discuss another way to measure risk in your portfolio, which becomes especially important once you are retired. Here at Presilium, we measure risk by looking at the amount of retirement income you’ll need each year and comparing that to what is currently held in short-term bonds and cash. Said another way, in […]