How Much Alpha Do Clients Need in Retirement?

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The Zone System for Choosing Retirement Income Products, Part 1

How do you decide which product to use when your client needs lifelong income—especially if his retirement savings aren't what they should be? One advisor classifies his clients into zones to decide whether to go with an investment portfolio or buy a life or variable annuity. Here is his system for making these crucial product decisions. Part 1 of 2.

5 Warning Signs That a Retirement Portfolio Won't Last

Price-to-earnings ratios are one way to gauge whether a distribution portfolio has staying power. Withdrawal rate as a percentage of portfolio value or compared with annuity payments are two more. Following are five indicators that will give you eight to 30 years' advance notice of when a portfolio will be depleted.

What's the Best Asset Allocation Strategy?

Is an asset allocation that starts aggressive and becomes conservative over time better than a long-term approach based on your client's risk tolerance? Or should you use some sort of age-based equity formula? We test these three strategies against real market data to see how clients would fare under each approach.

A 3-Factor Formula for Projecting Retirement Income

One important measure missing from most retirement projections is the time value of fluctuations (TVF). The TVF quantifies the losses in a retirement portfolio stemming from factors beyond our control. Ignoring it can cause irreparable damage to retirement plans and pension funds.