Will Guyton-Klinger guardrails allow me to withdraw 7% a year?
Do Guyton-Klinger guardrails allow us to take 7% from our portfolio from the first decade of retirement? Does a cash buffer help?
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May 92 min read
Retirement planning concepts that sound good in theory
There are many retirement planning concepts that claim to offer beneficial retirement outcomes. This post aggregates our research
Apr 246 min read
Sequence of Returns Risk. A misunderstood concept?
Sequence of Returns Risk is seen by some as a tiger waiting to pounce at the first sign of market volatility. Do they have valid concerns?
Apr 510 min read
Using the Guyton Klinger withdrawal guardrails - updated for 2024
Guyton-Klinger guardrails aim to improve upon Bill Bengen's research. Should retirees use this framework? What are the downsides?
Apr 23 min read
Increasing client engagement with the One-Page Financial Plan
The One-Page Financial Plan is a high-level summary of the underlying financial plan. Read how we tweaked the process to increase engagement
Feb 284 min read
Does buying an annuity improve retirement income sustainability?
Annuity rates have improved in recent times. Can they now help to create a more sustainable retirement income?
Feb 277 min read
The S&P 500 lost decade - how to protect your retirement
The S&P 500 has generated strong returns in recent years. But should you invest all of your retirement savings in this index?
Feb 224 min read
Does holding a cash buffer solve Sequence of Returns Risk?
Cash buffers are often suggested as a way of mitigating Sequence of Returns Risk. Do they work, or are they more of a chocolate teapot?
Feb 197 min read
Should your retirement portfolio contain 100% shares?
Retirement researcher Bill Bengen found the optimal retirement portfolio to contain 50-75% equities. Would 100% equties be a better option?
Feb 163 min read
How much do I need to save for a moderate retirement in 2024?
How much does a retiree need to save for a moderate retirement? And why a larger retirement pot doesn't always provide the best outcomes.
Feb 157 min read
How much do I need to save for a comfortable retirement in 2024?
A comfortable retirement for a couple is believed to now cost around £59,000 a year. What size retirement pot do you need to fund this?
Feb 103 min read
D.I.Why? When financial advice costs less than Doing It Yourself
Our retirement planning offering can often be more cost-effective than managing retirement on a D.I.Y. basis. We look at a recent example.
Jan 183 min read
Ten tips for investing success in 2024
Investing is simple but not easy. We identify ten things to consider that will help you have a better retirement outcome in 2024.
Jan 37 min read
7 questions to help you find the right financial adviser in 2024
Choosing the right financial adviser to help with your retirement planning is one of the most important decisions you will make.
Jan 314 min read
How much does financial advice cost (and am I getting good value?) Updated for 2024
We help you calculate what you are paying for your retirement planning and financial advice and whether you are getting good value.
Sep 16, 20235 min read
What potential clients often think we do versus what we actually do
Potential clients often come to us with questions about their pensions and investments. Retirement planning covers many other areas.
Sep 12, 20235 min read
Why we don't offer one-off financial planning and advice
We don't offer one-off financial planning and advice, believing the value of financial planning is maximised with an ongoing relationship.
Jul 14, 20239 min read
Using risk based guardrails for retirement planning
We've looked at Bengen and the Guyton-Klinger approaches. We now look at risk-based guardrails and how these are implemented.
Apr 8, 20224 min read
Sequence of Returns Risk - what is it and should I be worried? 2022 edition
The markets in 2022 got off to a turbulent start, and many retirees were worried about the sustainability of their retirement portfolios.
Dec 4, 20213 min read
One-Page Financial Plan - what is it and how can it help with retirement planning?
The one-page financial plan helps you distil your goals and action points into a concise format, enabling retirees to focus on what matters.
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