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Bob French

Participant

Last active: 2024-08-16 16:20:09

Hey all! I’m getting started on next year’s Workshop and Webinar schedules. There’s already a couple that we’ve locked in (I’m really excited about the workshop we’ll be doing on how Index Funds are managed with one of the folks from Vanguard), but I want to hear what you guys…

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shyamramani2

Participant

August 16, 2024 16:20

Test another reply notification

shyamramani2

Participant

August 16, 2024 15:50

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shyamramani2

Participant

November 8, 2023

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shyamramani2

Participant

November 8, 2023

Tom S

Participant

Last active: 2023-09-22 16:09:25

This may be a simple question, but in the Funded Ratio data entry is it necessary to include income taxes in the expenses entered? There is no mention of this in the FR tool, nor in the FR Data Gathering Worksheet, thus my question. Thank You!

…

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gneiss84gmail-com

Participant

September 22, 2023 16:09

I believe it takes Federal taxes into account but assumes no state income tax, so you have to add that as an ongoing expense.

shyamramani2

Participant

November 8, 2023

shyamramani2

Participant

November 8, 2023

Amber Hodges

Participant

Last active: 2023-09-18 18:34:26

CNBC posted an article today about financial hardships for female retirees… “Certain financial shocks may hurt a woman’s preparedness for retirement. 81% of female retirees have experienced at least one financial event compared to 69% of male retirees.” We’ve noticed more female participation in our events here at Retirement…

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John Dale

Participant

September 18, 2023 18:34

The bit.ly link in the initial post (9/18 2:27pm) didn’t work when I tried it, but I think I found the article here: https://www.cnbc.com/2023/09/15/women-are-more-likely-to-face-these-financial-curveballs-in-retirement.html

shyamramani2

Participant

November 8, 2023

shyamramani2

Participant

November 8, 2023

Wade Pfau

Participant

Last active: 2023-09-09 11:48:10

Hi everyone, thanks for all the great participation in today’s workshop on budgeting and the funded ratio. I’ll get the questions from the workshop and see if there is anything that should be addressed here before our Q&A session on Sept. 29. I did want to get a new thread…

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Subodh

Participant

September 09, 2023 11:48

My bad of calling Bob as Alex in previous message :-(. It’s been a pleasure to work with Bob, specially with his exceptional ability to see through many complicated issues. My…

Wade Pfau

Participant

September 08, 2023 16:14

Thanks Subodh! I’m glad you are finding the RISA tool helpful. Currently, the discount rate in the Funded Ratio is 4.5%. That’s a real return of 2% plus inflation of 4.5%. A…

shyamramani2

Participant

November 8, 2023

shyamramani2

Participant

November 8, 2023

Carol Heavner

Participant

Last active: 2023-08-27 20:44:11

I have just passed FRA for social security and am still working, making the highest salary in my employment history. I am planning to retire a few months after turning 68. If I wait to collect social security until 70, how can I calculate how much I will collect using…

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Carol Heavner

Participant

August 27, 2023 20:44

Thank you all for your responses – they are all helpful and greatly appreciated.

Rodney Bednar

Participant

August 27, 2023 13:37

Hi Carol: You indicated that you plan to retire at Age 68. And want to understand the benefit of waiting until age 70 to start collecting vs collecting immediately when you…

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shyamramani2

Participant

November 8, 2023

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Mark Smith

Participant

Last active: 2023-08-27 15:07:01

1. I understand the simple model of how mortality credits contribute to the pricing of a life annuity. But do mortality credits contribute anything to the pricing of an annuity that pays out over a fixed period, say 10 years? 2. I recently found out about the secondary market in…

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64 Comments

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Rodney Bednar

Participant

August 27, 2023 15:07

Hi Shu: Thank you for all the enlightening details!

My only experience has only been with Annuities from ERISA Qualified 401a and 403b accounts with TIAA. When after tax dollars were…

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glen_nakamotohotmail-com

Participant

August 27, 2023 13:18

Rodney,

My source was from the Fidelity website. I asked my CFP as to its validity and applicability. I also looked up Section 204 of the Secure Act and found…

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shyamramani2

Participant

November 8, 2023

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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Bob French

Participant

Last active: 2023-08-25 13:49:30

Welcome to the Forums! Since we’re all getting settled in, why don’t you quickly introduce yourself to everyone? I’m Bob French, the investment guy at Retirement Researcher. I live up in Portland ME with my wife and two daughters, and am currently trying to figure out what to do with…

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129 Comments

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bri@RR

Participant

August 25, 2023 13:49

Welcome Mary!! I hope you enjoyed the Challenge :) and to all of our new members – jump on in! The water’s fine :)

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Jeff

Participant

August 25, 2023 13:23

Welcome, Mary! I’m pretty new myself, but we’re all in this boat together. I’m glad to have your “numbers” brain on board and in the forum here. Here’s to your…

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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Karen VanWinkle

Participant

Last active: 2023-08-23 21:41:32

In his newsletter today, Larry asserts, “… <span style=”font-size: 12.0pt; color: #404040;”>conventional financial planning doesn’t meet the … description of fiduciary behavior. The [conventional] method is at such odds with the economics of finance that it’s not, to my knowledge, taught in any top PhD programs in finance in any…

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12 Comments

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osbertwaol-com

Participant

August 23, 2023 21:41

I’ve used Maxifi for years. And was a licensed CFP back in the 90’s. Kotlikoff is different in the same way that Wade talks about planning for retirement. The same…

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Robert Shaffer

Participant

August 06, 2023 17:56

Another way to emulate a “smile” spending pattern in Maxifi is changing the Living Standard values. This lets you change the living standard for each year. Below is the help…

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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Mark Segal

Participant

Last active: 2023-08-22 09:52:24

This was an interesting post from Morningstar: The Best Current Sources of Retirement Income | Morningstar. It illustrates the importance of assumptions regarding inflation and longevity in evaluating retirement income options and the likely benefits of diversifying income sources.
…

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2 Comments

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John Dale

Participant

August 22, 2023 09:52

The bulk of the article is a comparison of the “growth of investment”, here mean “balance plus cumulative return”, for each of the three “investments”, using each tool a different…

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Diane J

Participant

June 24, 2023 13:35

A poorly edited/proofread article! They went with the autocorrect “intermediate annuities” instead of “immediate annuities” and the figures for Case 1 and Case 3 are identical. Such errors make me…

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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Tim

Participant

Last active: 2023-08-16 18:37:42

https://www.wsj.com/articles/5-mistakes-medicare-plan-a26d73fb?st=nnbzrojy86vn31o&reflink=desktopwebshare_permalink Here’s the article from this week on looking at the Traditional vs. Advantage choice through a predominantly financial lens. Not a lot of new content for RR subscribers, but the professor’s conclusions are interesting. While allowing that the decision depends highly on individual circumstances, he suggests the default should…

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1 Comments

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Wade Pfau

Participant

August 16, 2023 18:37

Tim, Thanks for sharing that article. It mostly makes, sense, but I agree with you that the main part which sticks out is those income levels for considering Traditional Medicare. The…

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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shyamramani2

Participant

November 8, 2023

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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