The investing world is comprised primarily of uncontrollable factors like stock prices and tomorrow’s market movements. That’s why it’s so important to be aware of the areas you can control that can potentially put more money in your pocket. We often talk about controlling risk with tools like diversification and an evidence-based, or “passive,” investing…

Longevity risk—the risk of running out of assets before running out of time—is fundamental to retirement. We know about the distribution of longevity for the overall population, but an individual cannot know in advance precisely where he or she will fall in the distribution. The length of your retirement could be much shorter or longer…

The following is an excerpt from our ebook, “Investing Through the Decades,” which you can download by clicking here. Throughout history, when bad news and events touched the daily lives of investors and caused nest eggs to shrink, it’s been natural to ask, “Is this the end of investing as we know it? Have new…

Many receive long-term care at their homes or at community centers or adult daycare centers. Institutionalized living is not always required, and proper long-term care planning may allow one to remain at home longer than otherwise possible. For many, staying at home will be preferable during the transition when more long-term care assistance starts to…

Most of the research about retirement income planning focuses on two of the three major retirement risks: investment, or sequence, risk, and longevity risk. The question to be answered is how well does a predetermined spending plan work in the face of market volatility and unknown longevity? The third major risk, which receives less coverage,…