An Alternative Approach for Drawing Income from Your Portfolio

Geoff Considine

The question of how to safely generate income from a retirement portfolio is one of the most challenging in financial planning.  In the days when people had traditional pensions, their employers simply promised them a constant inflation-adjusted income for the duration of their retirements.  As we have moved away from traditional pensions and into self-directed… Read More


The Challenge of Long-Term Income: Part II

Geoff Considine

In Part I of this article, I explained why I have issues with the traditional idea that individuals should provide for their required level of retirement income (beyond what is provided by Social Security and any pensions) entirely with assets with zero risk of loss of principal (e.g. Treasury bonds).  In Part II, I discuss… Read More


The Big Retirement Shift: From Saving Up to Drawing Down

Geoff Considine

The financial services industry is in a period of substantial change.  Low interest rates, new regulations and additional scrutiny are changing the landscape.  Perhaps the biggest change is the transition of the first wave of Baby Boomers from working to retirement.  Not only is this generation huge, but its also the first “401(k)” generation. The… Read More