The Basics of a Spend-Down Strategy

Almost every client we talk with emphasizes one primary, overriding goal: having enough money in retirement. Most do not know how much money they need to save, or the planning process to get there. To provide the answers, we work collaboratively with clients to develop an overarching spend-down strategy designed to minimize taxes in their retirement and legacy plans.

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A High-Level Views of the Asset Location Decision

The first decision you make with respect to your portfolio is its asset allocation, or the mix of stocks and bonds. This initial step is based on your tolerance for risk and the amount of risk you need to take to achieve your life and financial goals.

Once you’ve selected the appropriate asset allocation for you, the second decision you’ll need to make is one about asset location

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What You Pay, What You Get: Connecting Price and Expected Returns

It has been more than 50 years since the idea of stock prices containing all relevant information was put forth. Information might come in the form of data from a company’s financial statements, news about a new product, a change in the regulatory environment, or simply a shift of investors’ tastes and preferences toward owning different investments.

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