Will your retirement portfolio last as long as you do?
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There are a few researchers have studied
retirement, retiring, etc. and much of the advice offered by
those that haven't is downright dangerous! You need to know the
history of "safe withdrawal" studies and the Retire
Early Study on Safe Withdrawal Rates. What are the impact of
inflation and investment expenses on your retirement
withdrawals, "how much diversification do you need?”. Do
you know some safe retirement plan withdrawal alternatives such
as immediate life annuities and Treasury Inflation Protected
Securities (TIPS)?
How about in the context of "Would that retirement
withdrawal strategy have survived every event in the last 130
years of stock market history?"
Think about selecting the length of your pay out period, safe
withdrawal rates for portfolios with three or more asset
classes, and examples of how to integrate safe withdrawals from
your retirement portfolio with a pension or Social Security. |
How much is your financial advisor costing you? Is he delaying your retirement? What do you need to do to retire before
age 40?
There are many things necessary to prepare for a “risk-free” early retirement: 1) managing your living expenses, 2)
maximizing disposable income, 3) minimizing investment expenses, etc. “Don’t Get Screwed by Your Estate Lawyer” and make
sure that your attorney doesn’t have your loved ones by the “short and curlies” after you expire.
You must know how to actually estimate when you’ll be able to retire and know how to calculate it. Should You Retire
Early? As hard as it is to believe, some folks with more than enough in their retirement account chose to continue
working – are you among this group?
Folks who truly relish early retirement make up only a small proportion of the population. Are you a member of this
happy tribe? Even if you can afford to pay cash for a Porsche, it’s not likely to be the best thing for you.
Are you under age 60 anf contemplating early retirement and have substantial 401(k) or IRA assets? You need to know
about avoiding the 10% surtax on early withdrawals as defined in IRC 72(t). And how to plan and properly execute
substantially equal periodic payments. And more: IRS 72(t)???
Other issues:
> SEPPs as well as a detailed review of all twelve exceptions to the surtax.
> Common concepts applicable to SEPPs including: types of income, age windows, reversibility & errors and penalties.
> ROTH taxation issues and how to implement the Net Unrealized Appreciation rules.
> Three IRS approved methods: the minimum, amortization and annuitization methods.
> How to avoid the 10% surtax when IRA assets are exhausted or taxpayers wish to make a permissable method change.
> Planning issues such as: account fracturing, launching multiple SEPP programs, COLAs, death, divorce and a special
section on tax planning for the wealthy.
> SEPP risk assessment profile and how to determine when a taxpayer should go it alone, seek professional guidance or
potentially obtain a private letter ruling from the IRS.
> Administrative issues such as: record keeping, trustee communications and proper tax reporting.
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