Retire Smarter

Your Investing Process - Part 4

While your asset allocation recipe is the most important portfolio decision, we still want good ingredients. Listen to Kevin explain the broad differences in active and passive (indexed) ingredients, the evidence behind each, and some exceptions to where an indexing approach may not work as well.

Useful Info:

True Wealth Design Website: http://www.truewealthdesign.com/

Call: 855-TWD-PLAN or 855-893-7526

Your Investing Process - Part 3

Your asset allocation recipe is the most important portfolio decision, and there are a few different flavors of asset allocation. Listen to Kevin describe the differences and what the evidence shows works best.

Useful Info:

True Wealth Design Website: http://www.truewealthdesign.com/

Call: 855-TWD-PLAN or 855-893-7526

Your Investing Process - Part 2

Now that you understand the basic building blocks of an investing process, listen to Kevin explain what key factors investing science has shown to drive stock and bond returns over time and which to favor to build a better portfolio. Kevin also explains a recent phenomenon in stock prices that is reminiscent of the late 1990s Tech Bubble as it relates to one of the key factors that drive stock returns.

Useful Info:

True Wealth Design Website: http://www.truewealthdesign.com/

Call: 855-TWD-PLAN or 855-893-7526

Your Investing Process - Part 1

Do you have an investment process? Most people don't understand their advisor's process (if they have one). Yet, in investing, you cannot control your investment results, but you can control your process, which should lead to better results over time. Listen to Kevin give you a high level of a science-based investing process you can understand without having to get a graduate degree in Finance.

For related content, click here to listen to Episode 14 on Expected Investment Return Forecasts.

Useful Info:

True Wealth Design Website: http://www.truewealthdesign.com/

Call: 855-TWD-PLAN or 855-893-7526

Mortgage Management

Most financial people only focus on your assets. Listen to Kevin share four examples of clients where better incorporating a holistic view of their finances -- assets and liabilities included -- made a significant financial improvements in each of their lives.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Death Of The Stretch IRA

Believe it or not Congress actually agrees on something ... that your beneficiaries shouldn't be allowed to stretch IRA required distributions over their lifetime. Listen in to hear Kevin talk about this likely law change is an issue, who is mostly affected (hint: larger IRA owners), and what to do about it.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Reasons to Invest Internationally

How much money do you have in international investments? How much should you have? Listen to Kevin discuss what the science of investing says and why you are likely underallocated to international markets. And be sure to listen to the end where he shares a story of a recent conversation with a new client related to international investing.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

What Is Financial Life Planning?

Financial life planning is being purposeful in continually moving your life in the direction you desire and then matching your finances to support it. Said another way, it is financial planning done right. Listen to Kevin share a story of a client evaluate trade-offs and find a work-life balance that is better for them. He also shares a story of how he and his wife made big life changes after their first child was born ... changes that would require Kevin to work several more years before they will reach financial independence. Whether you are in the heart of your working years or at retirement, this is one episode you won't want to miss.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Will Social Security Be There For Me?

Social Security’s future solvency is a regular discussion point when considering your retirement planning. Simply put: can you rely on receiving what is shown on your Social Security statement? Tune in to hear the latest nuggets from the 2019 Social Security Trustee’s report – he read it so you don’t have to – and what Kevin believes to be the most likely reforms.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

The Story of Jane

Jane is in her mid 60s. She recently inherited money from her father and is soon to be getting remarried. She had two advisors – her own and now dad’s advisor – but didn’t have the clarity and confidence she felt she needed around her money and these big life transitions. Listen to Kevin share her story as she considered what she really wanted from a relationship with an advisor and wrestled with whether she had the type of financial situation to justify paying an advisor for help.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Are Guarantees Worth It? Retirement Income Planning Series - Part 5

When choosing investment vehicles, for many people the most important factor is the guarantee that they'll receive a certain amount of income across their lifetime. But what exactly will that guarantee cost you? We'll find out on the fifth and final episode in the Retirement Income Planning Series.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Dynamic Strategy: Retirement Income Planning Series - Part 4

When building a financial plan that's based around investing, it's important to take into account a handful of dynamic elements that will likely vary quite a bit throughout your retirement. Tune in to our fourth installment of the series to hear how you can organize your plan around dynamic market expectations, dynamic allocations, and dynamic spending.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Total Return Portfolio: Retirement Income Planning Series - Part 3

If you're taking a probability-based approach to investing as we discussed in the first part of this series, you'll need to build a strategy for how to most efficiently invest your savings to provide an income throughout retirement. That's where the Total Return Portfolio comes into play.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Bad-Timing Risk: Retirement Income Planning Series - Part 2

We continue on with the series by discussing a lesser known type of risk called bad-timing risk. What happens when you retire into a bad period in the market? How can a few years of negative returns affect the outcome of your retirement?

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Retirement Income Planning Series - Part 1

For many people, one of the biggest fears going into retirement is where money will come from when you're no longer receiving a paycheck. That's why creating a retirement income plan is so essential. Join us as we go over the basic strategies for building a retirement income plan on this first episode of the new series.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Episode #15: Integrated Advice Is Better Advice

When it comes to building a holistic retirement plan, all of the individual pieces should be working together harmoniously, whether that's planning, investing, or taxes. Let's talk about why integrated advice is often hard to come by, and why it's crucial to building a successful retirement plan.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Episode #14: Long-Term Return Expectations

You've likely heard that making short-term predictions about the market is just about impossible, but what about long-term predictions? Can experts accurately anticipate what will happen over the next 10 years? Kevin discusses a recent Morningstar article by Christine Benz about what you can take away from long-term stock and bond return predictions.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Episode #13: Beating Up On Variable Annuities

If you listened to Episode #12, you heard the rundown on just about every type of annuity except the variable annuity. So what exactly is involved in a variable annuity, and why is it almost like a four-letter word to so many in the retirement community? Kevin will give you the details on what these annuities do, what you should look out for, and if there ever truly is a reason you would want to invest in one.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Episode #12: Behind The Curtain Of Annuities And Free Steak Dinners

Have you ever received an invitation to attend a steak dinner seminar event to learn about a financial product? Were you pitched an annuity? This is a popular phenomenon in the financial advising world and it's one that drives Kevin a little crazy. Join us on this episode as we take a peek behind the annuity curtain and talk about what's really happening at these free steak dinners.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/

Episode #11: Not Resolutions - Set Goals The Right Way To Start The New Year

People struggle to keep their New Year's Resolutions. Instead, let's talk about what real goal setting looks like. Kevin will share some tips he's picked up from various coaches over the years that have proved fruitful in his own life and talk about how you can apply them going into the new year.

For more about True Wealth Design, visit: http://www.truewealthdesign.com/