Retirement InSight and Trends is the quarterly newsletterr for the International Foundation for Retirement Education’s Certified Retirement Counselors® (CRC®s) to help retirement professionals with the practical application of new retirement readiness, counseling, planning and income management concepts for the mid-market. Find out more about the CRC® and InFRE here.
This issue is no longer eligible for CE credit. Click here to see other free issues that you may read. Recent issues are eligible for CRC®, CFP®, CRPC®, ASPPA, the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) and other CE credit when you pass the online exam.
The articles below comprise this retirement-specific newsletter. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.
- “No Portfolio is an Island” by David Blanchett, CFA, CFP®, AIFA®: Different types of risks to consider when building portfolios that are more efficient for clients when viewed from a total wealth perspective; Understand why there is no one efficient portfolio for all investors; Frameworks for incorporating different risks and preferences into the portfolio optimization process.
- “Tax Efficient Draw-Downs in Retirement” by Stephen Horan, PhD, CFA, CIPM: How the government’s interest in different taxable structures affects an investor’s risk-return profile; What the economics of different retirement tax structures imply for pre-asset allocation and asset location; How to use the available tax structures to keep taxes low throughout the retirement drawdown phase that challenges conventional wisdom.
- “Housing for Retirees: Buy, Sell or Hold?” by Michael Falk, CFA, CRC®: How retiring without a mortgage is very smart, but accelerating the payoff to accomplish such a goal may not be so smart. How “livable” (really) and what is the cost of your home long-term? Your options: Reverse Mortgage, HECM line of credit, downsize, or sell.
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