Tag Archives | published researcher


What are your odds of living past 100?

Higher than you might think. And the older you get, the better your odds! Many people discount the odds of reaching very old age. Clare Ansberry’s article (“Contestants Race to Map DNA of 100 Centenarians”) about mapping the DNA of Centenarians is the latest manifestation that what was once rare, is becoming more common. People are […]

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4% retirement rule is gone … so what is it now?

This morning I presented, to an industry association group called the Financial Planning Association of Northern California (FPANC), a brief summary of the retirement income drawdown research that my colleagues and I have had peer reviewed and  published over the last few years. Many of the postings when you Google 4% rule in retirement are based on […]

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Latest research into sustainable retirement distributions

A structural problem with pensions, annuities, and first generation “safe withdrawal rate” methodology, is a disconnect of benefits paid (fixed or fixed with COLAs) from the underlying asset values required to support those promised benefits. Underlying asset values supporting retirement in any scheme are variable and may decrease in value, temporarily or permanently, due to market […]

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What do I do as an adviser? Is it just investing?

Yes, I do provide investing assistance to help put in place a properly structured asset allocation based on different asset classes that help diversify, and rebalance, your holdings as an Investment Adviser. The resulting portfolio, or portfolios, form the foundation based on passive indexes. Indexing is used to remove “management drag” on returns that come from mutual fund […]

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Do Oil Prices Directly Affect the Stock Market?

Articles I have read in the distant past on this topic suggest a couple of points: Different events and world situations do appear to result in different global reactions as to economies, politics, and markets … therefore, trying to develop a one-size-fits-all-rule on the topic of oil is difficult to do for the long term […]

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