Purchase Workshop

Handling Reserves & Contingencies

Hosted by Wade Pfau, PhD, CFA, RICP, Joel Gemmel, and Jason Rizkallah, CFP®, RICP®

Life happens, and no plan is complete without a “Plan B.” While a lot of people understand this intellectually, it doesn’t get reflected in their retirement plan. Not only does building this “Plan B” into your plan can (does) mean lower expected spending levels in retirement, many people also don’t understand how to do it effectively. But that doesn’t negate the need to deal with everything that life throws our way.

Purchase Workshop

Full Access only $99

Workshop Instructor

Wade Pfau Ph.D., CFA, RICP®
Full Bio

Joel Gemmel, Former McLean Advisor

 

Full Bio
JASON RIZKALLAH, CFP®, RICP®
Full Bio
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In this workshop they will detail:

  • What Buffer Assets Are, and how to Use them
  • Some of the most common “Unexpected” issues are in retirement
  • How to prepare for potential Long Term Care and Cognitive Decline needs
  • Ways to prepare for Aging in Place
  • How to allow your portfolio to Bend, rather than break when the unexpected Inevitably happens
Purchase Workshop

Full Access only $99

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Well, really this is for anyone who is planning their own retirement. It’s focused on people who are saying 5 to 10 years on either side, but this same information is important to anyone who is planning for their own retirement.
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Frequently Asked Questions

The testimonials appearing on this page are not representative of all client opinions of Retirement Researcher or the Retirement Researcher Academy. Client experiences can and likely will vary from the experiences reflected herein. Retirement Researcher does not provide direct or indirect compensation in exchange for the testimonials shown. As such, it is not expected that material conflicts of interest arise with respect to the testimonial providers. Testimonials should not be viewed as the sole determining factor in obtaining or retaining an adviser’s services, and do not guarantee client satisfaction, success of a particular service or investment, or financial outcome. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.

Wade joined McLean in 2013, the same year Investment News named him one of the “20 people expected to shape the financial advisory industry.” Since then, IN has named him to their lists of industry leaders every year, most recently on their list of “Icons & Innovators” of the financial industry in 2016. He has been recognized with numerous other honors, including sharing the 2012 Academic Thought Leadership award from the Retirement Income Industry Association for his work evaluating outcomes of different retirement strategies.

Working with the advisors at McLean, Wade is able to see his research implemented into practical application through actionable solutions for clients. Wade is Professor of Retirement Income and Director for the Retirement Income Certified Professional (RICP) designation at The American College in King of Prussia, PA, and he publishes frequently in a wide variety of academic and practitioner research journals. He is also an active blogger at Retirement Researcher, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for the Wall Street Journal.

Wade was born in suburban Detroit in 1977 and lived there until he was 15. He then moved to Des Moines, Iowa, where he graduated from East High School in 1995. From 2003 to 2013, Wade lived in Japan, where he worked with the National Graduate Institute for Policy Studies and published a landmark paper challenging the 4 percent rule.

Education

  • B.S. Economics, B.S. in Political Science, B.A. in History, University of Iowa
  • M.A. Economics, Princeton
  • Ph.D. Economics, Princeton

Professional Certifications & Associations

  • Chartered Financial Analyst® (CFA)
  • Financial Planning Association, Member

Greatest Professional Satisfaction

It’s much harder to have a positive impact on people’s lives as a traditional economist, which is how I began my career.  When I started a blog about retirement income research, based on my financial and retirement planning research, I received positive comments from readers who had benefited from my research. This was very satisfying, and why I’m quite excited about my role at McLean Asset Management. Now I have the opportunity to bring the best practices from research into practical application for our clients on an ongoing basis.

Greatest Personal Satisfaction:

It is greatly satisfying to spend lots of time with my three children and watch them grow up and adapt so well to life. They bring me greater focus on why it is important to work hard and to save.

Joel helped clients reach their financial goals, countering the inevitable uncertainties of personal and professional lives with a disciplined wealth management process. Prior to joining McLean 8 years ago, he had a 22-year career at Oracle, spanning its pre-IPO stage through its mature Fortune 200 stage.  He worked with a wide variety of clients helping them to understand and manage the complex issues of wealth far beyond a simple focus on investments.

Education

  • Certified Financial Planner™  Program, George Washington University
  • M.B.A. George Washington University
  • B.A. University of New Hampshire

Professional Certifications & Associations

  • RETIREMENT INCOME CERTIFIED PROFESSIONAL (RICP®)
  • CERTIFIED FINANCIAL PLANNER™
  • Member of National Association of Personal Financial Advisors (NAPFA)
  • Member of Financial Planning Association (FPA)

Professional Recognition

  • Five-Star Wealth Manager, 2017, Washington Post Magazine
  • Five-Star Wealth Manager, 2016, Washington Post Magazine
  • Five-Star Wealth Manager, 2015, Washington Post Magazine

Greatest Professional Satisfaction

Helping Boomers plan for an then transition to retirement with the confidence that they will meet their goals.

Greatest Personal Satisfaction

My greatest personal satisfaction is seeing our three 20-something children mature into responsible adults who enjoy the company of their parents and each other.

Jason Rizkallah joined McLean in 2019. With over a decade of experience advising clients through all aspects of their financial life, Jason specializes in holistic financial planning and prudent investment selection to help his clients achieve their long-term financial goals.  A strong believer in putting the client first, Jason embodies the philosophy that McLean values with all client relationships. Jason has been a practicing CFP since 2014. As a CFP, he ensures that his client’s interests are at the forefront of every interaction. At McLean, Jason will partner with you to create your financial plan, provide guidance on how to properly invest according to your specific risk tolerance and objectives, and ensure you are on track to achieve your financial and life goals.

Education

  • B.A. in Economics from the University of Maryland, College Park

Professional Designations and Associations

  • CERTIFIED FINANCIAL PLANNER™
  • Retirement Income Certified Professional®
  • FINRA/NASD Series 7 and 66
  • Maryland Insurance License
  • Member, University of Maryland, College Park Alumni Association

Greatest Professional Satisfaction

I am fortunate to be a part of a team of professionals whose mission, like mine, is to ensure individuals achieve a successful and fulfilling retirement.

Greatest Personal Satisfaction

My greatest satisfaction stems from being a father to my son. Watching him grow and experience the world is an amazing adventure, for him and me. In my spare time, I enjoy fishing and traveling. 

Total Return

How to Create Your Retirement Income Plan

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Designing Your Asset Allocation

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Sustainable Spending from Investments Main Page

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Ongoing Investment Management Main Page

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Why The Markets Work Main Page

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Risk Wrap

How to Create Your Retirement Income Plan

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Understanding and Interpreting Annuities and Annuity Contracts Main Page

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Annuities and Risk Pooling

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Designing Your Asset Allocation

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Sustainable Spending from Investments Main Page

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Time Segmentation

How to Create Your Retirement Income Plan

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Designing and Implementing Your Bond Ladder Main Page

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Understanding and Using Time Segmentation Strategies Main Page

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How Do Bonds Work? Making Sense Of Bond Returns

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Managing Inflation In Your Retirement Income Plan

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Income Protection

How to Create Your Retirement Income Plan

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Understanding and Interpreting Annuities and Annuity Contracts Main Page

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Annuities and Risk Pooling

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Developing a Social Security Claiming Strategy Main Page

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Managing Inflation In Your Retirement Income Plan

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Creating Your Retirement Plan

How to Create Your Retirement Income Plan

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Making the Most of Your Charitable Donations: Understanding Charitable Giving Strategies and Your Retirement Plan

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Medicare Decisions and Health Expenses for Retirees 2024

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Long-Term Care Planning Main Page

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Developing a Social Security Claiming Strategy Main Page

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Understanding Retirement Expense Dynamics: Expense Categories and Risks

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Living in Retirement

The Vanishing Work – Retirement Threshold

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On Your Own in Retirement: Special Considerations for Singles, Divorcees and Widows

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Family Dynamics and Your Retirement Plan – At the Intersection of Love and Money

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Optimizing Your Other Portfolio: Maximizing Returns from Your New Time Affluence in Retirement

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Housing Decisions for Retirement Main Page

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Non Financial Side of Retirement Main Page

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Health in Retirement

Long-Term Care Planning Main Page

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How to Manage the Physical, Behavioral, and Mental Health Risks to Your Retirement

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Medicare Decisions and Health Expenses for Retirees 2024

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Health Risk in Retirement: How to Think About It and What to Do About It

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Investment Deep Dive

Why The Markets Work Main Page

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Taming the Factor Zoo – Making Sense of Investment Risk Factors

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Designing Your Asset Allocation

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Sustainable Spending from Investments Main Page

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How Do Bonds Work? Making Sense Of Bond Returns

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Understanding and Using ESG Investments

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Factor Investing: Research and Practice Main Page

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Ongoing Investment Management Main Page

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Finding the Right Balance on Rebalancing

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Retirement Income Challenge

RIC – DAY 1

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RIC – DAY 2

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RIC – DAY 3

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RIC – DAY 4

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