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Retirement Planning Whitepaper

Screen Shot 2019 08 07 at 11.03.33 AMFor Investors Who Want to Retire Financially and Personally Fulfilled:

Do you know how much you will need to retire? Have you considered how you will generate a predictable income stream from your resources? How about how you will spend your time?

For many pre-retirees, these questions can be overwhelming, but the transition to retirement doesn’t have to be complicated. Fortunately, we’ve compiled this guide to help you begin answering some of these tough questions and preparing for all of the possibilities your post-working years have to offer.

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Nine Experts, Four Surprises, and One Million Dollar Bet

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Each January, a well-known financial publication invites a group of experienced investment professionals to New York for a lengthy roundtable discussion of the investment outlook for the year ahead. The nine panelists have spent their careers studying companies and poring over economic statistics to find the most rewarding investment opportunities around the globe. This article was composed in January 2018 but the concepts within still hold true today.

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We Elected a New President | What's Next?

Whether you're feeling elated, deflated or mostly just jaded about what just happened in the U.S. elections, we wanted to reach out to you with a few thoughts related to the "What's next?" that may be on your mind. It's possible that even President-elect Trump himself didn't see this one coming.

With respect to your investments, here's a quick reminder of how we feel about that: Ample evidence informs us that it is unwise to alter your long-term investment strategy in reaction to breaking news, no matter how exciting or grim that news may seem, or how the markets are immediately responding.

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Ten Predictions to Count On

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The New Year is a customary time to speculate. In a digital age, when past forecasts are available online, market and media professionals find it harder to hide their blushes when their financial predictions go awry. But there are ways around that.

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Are You an Emotional Investor?

It may seem like a question from left field, but if you were to sit down and really think a bout the types of decisions you make every day about your money, would they
be logically based and unaffected by emotions?

ADMITTING IS THE FIRST STEP

At first you may think to yourself, "No, I am definitely objective about my financial planning. Really, I am." But scientific study reveals an opposing camp of theorists
whose entire careers focus on the study of how and more importantly, why investors behave illogically with regard to their financial future. The study of Behavioral Finance was brought to the forefront by 2002 Nobel Prize winning psychology professor Daniel Kahneman's observations exploring the emotional biases that govern our financial decision making. The research "reveals repeated patterns of irrationality, inconsistency, and incompetence in the ways human beings arrive at decisions and choices when faced with uncertainty," says Peter Bernstein in his book Against the Gods. If you agree that sometimes you make financial decisions that are not in your best interest, what can you do as a serious investor? "Seek the advice of an unbiased advisor," says Sam Hull, CFP, former principal at Northstar Financial Planning, Inc. "The only way to be sure that you're making sound decisions is to work in concert with a n unbiased third party who ca n point out when your choices a re m ore emotionally based than you may want to believe."

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A Vanishing Value Premium

Vanishing-Value-Premium-ThumbnailValue stocks under-performed growth stocks by a material margin in the US last year. However,the magnitude and duration of the recent negative value premium are not unprecedented. This column reviews a previous period when challenging performance caused many to question the benefits of value investing. The subsequent results serve as a reminder about the importance of discipline.

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