Five Questions for a Top Retirement Advisor

The vast majority of clients and prospects fail to establish retirement income plans with an inflation-adjusted model. Many advisors in our judgment portray only linear returns and often ignore key purchasing power components.

What challenges do you face when modeling clients’ retirement incomes and cash flows, and how do you resolve them?

A common oversight and critical point of our planning advice is for client households to honor the importance of an emergency fund. Even in light of minimal rates of return, we advise four to six months of average monthly spending in fully liquid form.

What mix of products and solutions do you use most often and why?

Once an accurate spending allowance is determined, we design portfolios to carry out a customized return and risk metric. Use of separate managed accounts and mutual funds are then crafted around our clients’ documented financial plan.