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Blog Posts

  • Predicting a Sunny Retirement

    September 29, 2011
    By Jon T. Meyer, CFP® Getting a prediction right once does not mean someone is good at predicting things. If someone predicts an exceptional event accurately, they will get press for the next several years under the guise of being a clairvoyant. From an incentive standpoint, this makes sense. Making bold good/bad ...
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  • Expect the Unexpected in Retirement

    September 26, 2011
    By Jon T. Meyer, CFP® Many of us do not like the unexpected. We want to go to a dentist to get our teeth cleaned, not to find out we have a cavity. We go to the mechanic to get our oil changed, not to find out we need four new tires. ...
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  • Timing Taxes Key to Successful Retirement Distributions

    September 19, 2011
    By Jon T. Meyer, CFP® When someone comes to me within a few years of retirement, it is often too late to optimize their after-tax income. One of the strategies I wish I could use with everyone I meet is timing taxes. By that I mean pinpointing someone’s exact tax bracket ...
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  • Estimating Retirement Income―The Big Three

    September 12, 2011
    By Jon T. Meyer, CFP® Estimating retirement income is not a science. Much has been written about needing 70–80% of your working-life income in retirement. I would disagree, as I tend to see that people spend 100% or even more in retirement, particularly in the first five years when filling eight ...
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  • Proactive Is the Best Adjective in Market Corrections

    August 30, 2011
    By Jon T. Meyer, CFP® As a parent, I am keenly aware that what I say and how I act around my children will be picked up and used in the future. So imagine my surprise this past weekend when we were at a friend’s house and they shared that last ...
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  • How Inflation Attacks Your Retirement Spending

    August 1, 2011
    By Jon T. Meyer, CFP® One assumption we employ in our planning work and which clients regularly question is the 3.5% inflation rate we use. This number does not track any short-term measurement and it differs from the multitude of ways one could measure inflation. We simply use this as ...
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  • Rumors of Social Security’s Demise Have Been Greatly Exaggerated

    August 1, 2011
    By James Clemensen, CFP® During Social Security’s 75th year, there has been news that for the first time in nearly 30 years the Social Security Trust Fund will pay out more benefits than it received in payroll tax revenues. So it’s no surprise that a recent AARP survey found that ...
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