1) Transitioning from accumulating savings to distributing savings in retirement requires adjusting your mindset and strategies, as principles like dollar cost averaging and compounding work differently during distribution.
2) Developing an income strategy is key, such as living off interest, setting withdrawal plans, or using a cash bucket approach.
3) Transition planning requires considering the tax implications of asset locations and liquidations over several years to optimally position portfolios for income while preserving assets. Close ongoing monitoring is needed during retirement.
Cracking the Nest Egg: When Accumulation Becomes DistributionForman Bay LLC
It’s a big transition when clients leave the workforce to live off their savings. Moving
from an accumulation to a distribution strategy requires an attitude adjustment in
both you and your clients. Here are the issues to consider when time, compounding,
and other conventional investment principles no longer work in your favor.
Cracking The Nest Egg: When Accumulation Becomes DistributionJGreene Financial
It's a big transition when clients leave the workforce to live off their savings. Moving from an accumulation to a distribution strategy requires an attitude adjustment in both you and your clients. Here are the issues to consider when time, compounding, and other conventional investment principles no longer work in your favor
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Building and Maintaining a Private Market Portfolio: Inroduction to Private M...BrookePollack
CTC Consulting White Paper: Introduction to private market portfolio management and cash flow characteristcs of these investments for long-term private market investors.
Cracking the Nest Egg: When Accumulation Becomes DistributionForman Bay LLC
It’s a big transition when clients leave the workforce to live off their savings. Moving
from an accumulation to a distribution strategy requires an attitude adjustment in
both you and your clients. Here are the issues to consider when time, compounding,
and other conventional investment principles no longer work in your favor.
Cracking The Nest Egg: When Accumulation Becomes DistributionJGreene Financial
It's a big transition when clients leave the workforce to live off their savings. Moving from an accumulation to a distribution strategy requires an attitude adjustment in both you and your clients. Here are the issues to consider when time, compounding, and other conventional investment principles no longer work in your favor
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Building and Maintaining a Private Market Portfolio: Inroduction to Private M...BrookePollack
CTC Consulting White Paper: Introduction to private market portfolio management and cash flow characteristcs of these investments for long-term private market investors.
Managing balance sheet liquidity & long term funding Dr Rajeev Jain
Managing balance sheet liquidity and long term funding
• Do the company have the right cash management processes?
• The importance of accurately forecast company cash flow with liquidity management
• Looking at your balance sheet frequently: Do the company has sufficient funding sources?
• Ensuring the right balance of credit and non-credit service utilisation for funding process
• Learning about rebuilding the balance sheet and turning their problem into growth
• Establishing long term stability and security of our funding in turn helps protect our liquidity position in the crisis
• Building necessary tools and methods to achieve properly structured balance sheet
• Managing complex situations precisely through flexible values (general direction), values with longer lifespan than goals or objectives and past and present corporate actions
Retirement Presentation For Small Businessguest4a21e5
Prepare for your future today with the right type of tax advantage savings plans. offer your employees the benefit of a retirement plan. Learn from this presentation what you can do today to make a bettewr tomorrow.
Just starting out on your investment journey?
Or have you been investing for a while and need a refresher?
A smart investor takes the time to be clear on the basic principles of investing and uses these to improve investing skills over time and more importantly, to avoid the costly pitfalls. And a smart investor doesn't rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives.
This workshop will cover the following areas:
Taking control!
Your money and your life
Savings and investments
Risk and diversification
Investment strategies
Managed fund, shares and property
By attending this session you will gain a better understanding of the fundamental investment principles such as gearing, asset allocation, diversification, dollar cost averaging & compounding. You will leave with a deeper understanding of these concepts which can help you, as an investor, avoid making mistakes and losing substantial sums of money.
Giving you greater confidence, peace of mind and ultimately better financial outcomes
Nick Gahan
Senior Financial Advisor
Nick is passionate about holistic advice encompassing superannuation (including SMSFs), personal insurance, investments, estate planning, retirement planning and social security and ensuring his clients are receiving comprehensive advice.
The CTA industry has faced prolonged periods of negative returns, ongoing redemptions, declining revenues and mounting expenses. Is the tide ever going to shift? What if it doesn't?
This presentation provides an overview of the Managed Futures sector past and present and explores several ways to unlock value in 2014.
Highlights:
• Larger firms continue to gather assets, yet smaller firms are seeing record outflows
• Do investors really understand the strategy?
• Do investors understand your capabilities?
• Importance of developing new products and distribution channels
• Positioning the firm for the future
These are just a few of the topics covered in our presentation. We would like to invite you to join the discussion and share your thoughts.
Book Recommendation: Waring, M. Barton. Pension Finance – Putting the Risks and Costs of Defined Benefit Plans Back under Your Control. New Jersey: John Wiley & Sons, Inc., 2012. Print
Buying out the Boss: How to Acquire the Company You Work ForMichael Vann
This presentation was delivered by Jeff Fialky of Bacon & Wilson, P.C. and Michael Vann of the Vann Group. The presentation covers the various elements of a transaction and identifies all the things someone interested in buying the company they work for.
The presentation is broken down into four sections: 1) emotion; 2) knowledge; 3) strategy; and 4) tactics.
Managing balance sheet liquidity & long term funding Dr Rajeev Jain
Managing balance sheet liquidity and long term funding
• Do the company have the right cash management processes?
• The importance of accurately forecast company cash flow with liquidity management
• Looking at your balance sheet frequently: Do the company has sufficient funding sources?
• Ensuring the right balance of credit and non-credit service utilisation for funding process
• Learning about rebuilding the balance sheet and turning their problem into growth
• Establishing long term stability and security of our funding in turn helps protect our liquidity position in the crisis
• Building necessary tools and methods to achieve properly structured balance sheet
• Managing complex situations precisely through flexible values (general direction), values with longer lifespan than goals or objectives and past and present corporate actions
Retirement Presentation For Small Businessguest4a21e5
Prepare for your future today with the right type of tax advantage savings plans. offer your employees the benefit of a retirement plan. Learn from this presentation what you can do today to make a bettewr tomorrow.
Just starting out on your investment journey?
Or have you been investing for a while and need a refresher?
A smart investor takes the time to be clear on the basic principles of investing and uses these to improve investing skills over time and more importantly, to avoid the costly pitfalls. And a smart investor doesn't rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives.
This workshop will cover the following areas:
Taking control!
Your money and your life
Savings and investments
Risk and diversification
Investment strategies
Managed fund, shares and property
By attending this session you will gain a better understanding of the fundamental investment principles such as gearing, asset allocation, diversification, dollar cost averaging & compounding. You will leave with a deeper understanding of these concepts which can help you, as an investor, avoid making mistakes and losing substantial sums of money.
Giving you greater confidence, peace of mind and ultimately better financial outcomes
Nick Gahan
Senior Financial Advisor
Nick is passionate about holistic advice encompassing superannuation (including SMSFs), personal insurance, investments, estate planning, retirement planning and social security and ensuring his clients are receiving comprehensive advice.
The CTA industry has faced prolonged periods of negative returns, ongoing redemptions, declining revenues and mounting expenses. Is the tide ever going to shift? What if it doesn't?
This presentation provides an overview of the Managed Futures sector past and present and explores several ways to unlock value in 2014.
Highlights:
• Larger firms continue to gather assets, yet smaller firms are seeing record outflows
• Do investors really understand the strategy?
• Do investors understand your capabilities?
• Importance of developing new products and distribution channels
• Positioning the firm for the future
These are just a few of the topics covered in our presentation. We would like to invite you to join the discussion and share your thoughts.
Book Recommendation: Waring, M. Barton. Pension Finance – Putting the Risks and Costs of Defined Benefit Plans Back under Your Control. New Jersey: John Wiley & Sons, Inc., 2012. Print
Buying out the Boss: How to Acquire the Company You Work ForMichael Vann
This presentation was delivered by Jeff Fialky of Bacon & Wilson, P.C. and Michael Vann of the Vann Group. The presentation covers the various elements of a transaction and identifies all the things someone interested in buying the company they work for.
The presentation is broken down into four sections: 1) emotion; 2) knowledge; 3) strategy; and 4) tactics.
Suzanne Metlay. "Geosciences of Dwarf Planets: Pluto Update". Public talk at Estes Park Memorial Observatory (EPMO), Estes Park, Colorado, on 22 August 2015.
Een praktische handleiding om zelf een SEO-analyse en SEO-audit te doen. Voor je eigen website, de website van je klant of de website van een concurrent.
Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, LLC, a registered investment adviser providing fee-only / fee-for-service financial planning and investment advice to Baby Boomers and retirees. Plan Well. Invest Smart. Live Better. Planning for Life.
June 2011 newsletter of Steve Stanganelli, CFP(R) Professional and principal of Clear View Wealth Advisors, a fee only financial planning firm serving individuals in Massachusetts. In this issue, Steve discusses how to manage retirement income distributions, the role of dividend paying stocks in a balanced portfolio, college planning tools for late starters and tax tips for those who are getting divorced.
FINC 340 InvestmentsHow to Create an Investment StrategyThe .docxvoversbyobersby
FINC 340 Investments
How to Create an Investment Strategy
The creation of an Investment Policy Statement (IPS) is the most important step to take in creating a disciplined investment plan. Unfortunately, many plans fail to adjust return expectations to current market conditions. Today, large public pension plans are still forecasting return expectations at 7.5 percent.
Ultimately, if you lower return expectations; state and corporate pensions are required to make larger contributions. Furthermore, even those return expectations seem aggressive in such a low yielding market.
Currently we are in a market where the 10-year U.S. Treasury yields approximately 1.65 percent, the 10-year single A corporate composite yields approximately 2.79 percent, and the equity market has tepid expectations given weak growth prospects, low consumer and CEO (business) confidence and a great deal of uncertainty in 2013.
Thus, whether you are a large corporation forecasting pension needs or an individual planning for retirement, an IPS creates a blueprint or a framework for your investment strategy. It must be the first step taken in order to find suitable investments toward meeting stated investment objectives and should be revised at least annually and updated in response to market conditions.
A primary step in creating an IPS is understanding its overall functionality. First, every IPS consists of both objectives/goals and constraints of investors. Investment objectives must always be looked at in terms of both risk and return. Though it does not get sufficient attention, it is the basics of investing that is critical for every investor to understand.
Risk
Risk tolerance should always be assessed first in order to identify which risks investors are willing to assume. Risk tolerance is a function of an investor's psychological makeup and personal factors such as wealth, age, income and cash reserve. Lastly, risk is directly related to an investor's time horizon, the ability to assume risk and the investor's ability to recover from any temporary investment shortfalls.
Return objectives
Return objectives should always be stated in terms of how an investor will accomplish their stated goals. These return objectives include capital preservation, current income, capital appreciation, and total return. The goal of capital preservation is to prevent loss of an investment's value and produce a return at least equal to inflation, typically a goal for those who need funds in the near future.
A current income goal will have a steady stream of income from interest and dividends. This goal's primary focus is to supplement income to meet planned spending needs. Capital appreciation is the goal to find investments with the intent of having an initial investment increase over time, typically a goal for retirement or for needing the funds in the future. Lastly, total return is a combination of both current income and capital appreciation, an appropriate objective for an investor ...
How to reduce portfolio risk through periodic re-balancing. The impact of dividends on total portfolio return. Thoughts on Social Security’s future.
Investment Styles: Large growth versus large value
14 Outdated Investing 'Rules' You Don't Need To Follow AnymoreScott Tominaga
As the times change, so does the world of finance. Some investors are still stuck on “rules” of investing that have become obsolete, and sticking with these old adages may hurt you in the long run.
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Similar to Robert Feinholz: Cracking the nest egg when accumulation becomes distribution (20)
It’s good to understand Europe’s debt crisis and why it’s affecting
U.S. markets. Here’s an overview of how the European Union
operates, why the euro is in danger, and what the crisis could mean
to American investors.
Retirement Income: Which Accounts to Tap First?Forman Bay LLC
Many clients assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea—
but not always.
The Art of Managing Retirement AssumptionsForman Bay LLC
A retirement plan is built on a set of assumptions that can't be validated until it's too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
College tuition is so expensive that even high-income families can get offers of financial aid. Your first step is to complete the federal forms, and then contact the school directly to further negotiate a financial aid package.
A Workable Solution For Baby Boomers Nearing RetirementForman Bay LLC
Worried about having enough saved for retirement? Here's a simple approach: work just a few years longer. By accumulating more savings and shortening your withdrawal period, you'll reduce the lump sum needed to generate the necessary income at retirement
Robert Feinholz: The art of managing retirement assumptionsForman Bay LLC
Robert Feinholz: The art of managing retirement assumptions
A retirement plan is built on a set of assumptions that can’t be validated until it’s too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
Robert Feinholz: Retirement income which account to tap firstForman Bay LLC
Robert Feinholz: Retirement income which account to tap first.
Many clients assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea— but not always.
Robert Feinholz: Planning for a 30 year retirementForman Bay LLC
Robert Feinholz: Planning for a 30 year retirement.
Funding a 30-year retirement will take financial planning prowess as you juggle the effects of inflation, distributions, taxes, asset allocation, and expenditures. Are you up to the task?
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Robert Feinholz: Cracking the nest egg when accumulation becomes distribution
1. ADVISOR/CLIENT EDUCATION BRIEF
Cracking the Nest Egg: When Accumulation Becomes Distribution
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It’s a big transition when clients leave the workforce to live off their savings. Moving
from an accumulation to a distribution strategy requires an attitude adjustment in
both you and your clients. Here are the issues to consider when time, compounding,
and other conventional investment principles no longer work in your favor.
Retirement planning is easy during the
accumulation phase. Just stash as much savings as
possible into retirement and investment accounts,
and maximize total returns. All that really matters
is what the client ends up with at retirement. If
investment returns vary from year to year, or if
returns are made up of interest, dividends, or capital
gains, none of it much matters. It’s all a race to grow
the nest egg as large as possible. Success is measured
by account values, pure and simple.
Robert Feinholz
Then comes the day when the client can finally
President
crack the nest egg and start withdrawing funds. Now
the goal is no longer simply to grow the account
Foreman Bay LLC
balance, but rather to provide clients with enough
9835 E. Bell Rd
current income to meet their spending needs and to
Ste 110
allow the nest egg to diminish, as it naturally must,
Scottsdale, AZ 85260
without letting it disappear. Success is measured
by client happiness and the careful monitoring of
1-800-784-3525
withdrawal rates and account values to ensure that
480-558-3222
the clients’ money is not in danger of running out.
www.fbayassociates.com
Attitude adjustment
Some of the fundamental truths that apply to an
accumulation strategy fall apart under a distribution
strategy. This means that certain basic concepts
that have been drilled into clients’ heads at 401(k)
meetings and advisor consultations must be
relearned. Consider these shifts:
Dollar-cost averaging works in reverse. Clients
have learned that investing a fixed dollar amount
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3. for nontaxable accounts. For example, if the client large required minimum distributions that the
wants tax-free income from a taxable account, client ends up in a higher tax bracket.
you can buy municipal bonds. If he wants tax-free
income from an IRA, you’ll have to convert it to a Also, consider the income and estate tax
Roth, which means paying taxes on the account at consequences of a large IRA that is allowed
the time of the conversion. to grow out of control. Long-term income
projections need to be part of your transition
By the time clients reach retirement they may planning so you can set up accounts and plan
have lots of di erent accounts. When arranging distributions from the outset.
for distributions you’ll need to look at them as a
whole for overall investment planning, and also What future transitions are in store?
individually to determine which accounts will Many clients don’t plan to retire all at once. They
generate which distributions. plan to ease into retirement by working part-
time for a while and then seeing how they feel.
When should you sell? Distribution planning for these clients involves a
The liquidation of assets is often an important series of transitions. You may set up the accounts
part of the transition to the distribution phase. and the portfolio to generate a relatively small
If you will be doing a major portfolio overhaul, income now with the idea of increasing the
you’ll need to consider the tax and investment income later. This may require another transition
implications of asset sales. or two, with all the same attention given to asset
positioning, the timing of liquidations, and the
For taxable accounts you should know the tax basis tax impact of IRA withdrawals--not to mention
of each and every holding. You’ll also need to know all the handholding and warnings about drawing
the client’s overall tax situation in any year you down their nest egg too quickly.
propose a sale of assets, including previous loss
carry-forwards, AMT status, the receipt of taxable Perhaps one of the biggest di erences between
retirement distributions, and so on. accumulation planning and distribution planning,
at least from the advisor’s standpoint, is that once
If you think a major reorganization of the client’s clients begin drawing income from their investment
investment portfolio is in order to meet the client’s portfolio, their accounts require much closer
new objectives of income, liquidity, and capital attention. Not only must you invest the assets in a
preservation, meet with the client’s tax advisor and prudent manner, you also must watch the amount
map out a plan for the orderly liquidation of assets. and timing of distributions to ensure that the nest
This could take years. Periodic asset sales will also egg lasts. Advisors who are used to investing only
be necessary during the client’s retirement years, for growth may need to go through an important
especially if you are using the cash bucket strategy. transition themselves to fully understand the
Each time a liquidation becomes necessary you’ll nuances of retirement-income planning.
need to balance tax and investment considerations
and time these asset sales for optimal benefit.
What will be the impact of IRA withdrawals?
If part of the client’s income will come from
regular IRA withdrawals, you’ll need to consider
the current--and future--tax impact of these
withdrawals. It may not make sense to defer
distributions from traditional IRAs until the last
possible moment if doing so might create such
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