HS 353 Video: Retirement Income Process, Strategies and Solutions

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Tue, 09 Sep 2014 13:01:40 GMT





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1-1-1 - Key Competencies for Retirement Income Planning
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/SG/knsfTP7QB3iewQWvX5CYIXGkh6oe2FNMIg98sNXjo/110216_nylcri_inthenews-key_competencies-732x412-limelight.mp4
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In this video we talk about the skills required by a financial advisor to perform retirement income planning.

Tue, 05 Apr 2016 16:20:35 GMT
9606d5f5923e4d06aa40286f3e40d224
00:16:60
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best, best practices, david littell, distribution, distribution strategies, introduction, introduction to retirement income planning, kenn tacchino, practices, retirement, retirement income, retirement income planning, retirement planning, ricp, strategies
In this video we talk about the skills required by a financial advisor to perform retirement income planning.


1-1-2 - What are the retirement decisions facing most clients?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/SR/YuOHJ07yUlJre7QcUvL31hiaepMyeGF4DDUZNuX9A/111007_nyl_353_rappaport_kt_ww_7-732x412-limelight.mp4
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We examine a variety of retirement decisions facing your client. We conclude that the help of an advisor is necessary and we become aware of how different decisions interrelate.

Fri, 08 Apr 2016 15:25:59 GMT
7f04b4b6c3fd49a7bc6169cd7c9dfc2c
00:17:02
no
anna rappaport, client, client relationships, decisions, kenn tacchino, relationships, retirement, retirement decisions, retirement income, retirement income planning, retirement planning, ricp, walt woerheide
We examine a variety of retirement decisions facing your client. We conclude that the help of an advisor is necessary and we become aware of how different decisions interrelate.


1-2-1 - How much needs to be saved for health care costs in retirement?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/3g/EGGfT1JzTeyxHYaxsE-udII6Efk8uBkZnX402SzxU/131024_nyl_littell_vanderhei_seg1-732x412-limelight.mp4
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Thu, 21 Nov 2013 22:05:29 GMT
6555194921554cf0aef466e5308f3cb5
00:08:54
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health care, healthcare, retirement, retirement income, saving


1-2-1 - What are some of the basic costs of retirement?_clip
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/aR/4Igrjy5oHXldpod8DYaLN8_kt9a8Ao6Nh9OWVpmmw/hs-353-1-2-1-basic-costs-in-retierment.mp4
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We review the costs of retirement healthcare/long-term care and the traditional notion of replacement rates. We learn that in order to have a high degree of certainty that assets will last a life-time that traditional replacement rate approach substantially underestimates the required need.

Tue, 05 Apr 2016 16:43:40 GMT
29a4995b403e41699d9d105cb7bc6beb
00:03:36
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costs, costs of retirement, david littell, jack vanderhei, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, retirement statistics, ricp, saving, saving for retirement, statistics
We review the costs of retirement healthcare/long-term care and the traditional notion of replacement rates. We learn that in order to have a high degree of certainty that assets will last a life-time that traditional replacement rate approach substantially underestimates the required need.


1-2-2 - What is the retirement readiness of Americans?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/lq/qYyXAOUokt0uR70eKZMOnR31aSAk-5wk1Vdn3e-7E/131024_nyl_littell_vanderhei_seg2-732x412-limelight.mp4
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Fri, 22 Nov 2013 00:40:41 GMT
5e3d5724800d4c64bb5cda23217af774
00:26:48
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america, retirement, retirement readiness


1-2-3 - What does the EBRI Retirement Confidence Survey tell us about retirement confidence of today’s workers?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/lB/QtSN9RQ6Tw2FVPRlZRQfup7M0MC5Ilsqo5JQTcbFk/131024_nyl_littell_vanderhei_seg3-732x412-limelight.mp4
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Thu, 21 Nov 2013 22:05:14 GMT
595eeb2e20134bfabef77d9d6ab51bb0
00:17:16
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1-3-1 - A process for developing a retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Vq/UXeOkz_pvW2QY0-iL_c8hvkNW3tuzg1B6H0Z_dC0k/littell_stand_up_rev_kc-732x412-limelight.mp4
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Fri, 02 Mar 2012 15:54:45 GMT
0f9c673611044242be26f11eb787d950
00:13:43
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david littell, retirement, retirement income, retirement income planning, retirement planning, ricp


1-3-2 - Steps of the retirement planning process
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/1N/cE7nUfizliUC8NvRhrqYBlmgdr5-oH16rODwseO6Y/111010_hs353_lemoine_8steps-732x412-limelight.mp4
8


Wed, 11 Apr 2012 17:15:45 GMT
bbe4d99b4e9048ab8e3fbb4125d21064
00:16:45
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craig lemoine, retirement, retirement income, retirement planning, ricp


1-4-1 - Retirement Planning Technology
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/cQ/koFEayxIcCmMwZAba7YPdkAOZH5dwS-54A4CrVBtk/111013_hs353_lemoine_worheide-732x412-limelight.mp4
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Tue, 14 Feb 2012 16:52:15 GMT
dcc8e188d20542939eddd4e999fc6c3f
00:23:09
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calculations, craig lemoine, retirement, retirement calculations, retirement income, retirement income planning, retirement planning, ricp, saving, saving for retirement, walt woerheide


1-4-2 - How behavioral finance affects client communications
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/9p/0OWKDIKqscmHzSrVb2RuVWtqFnEQZRORyt192Kq9c/120227_hs_353_littell_jordan_seg1_final-limelight.mp4
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Joe Jordan reviews some of the questions to ask clients to help them decide among their retirement income goals.

Tue, 13 Mar 2012 21:20:15 GMT
7ccad76831964b0085f1fec63a67e8d4
00:16:47
no
behavioral, behavioral finance, client, client relationships, david littell, decisions, finance, joe jordan, relationships, retirement, retirement decisions, retirement income, retirement income planning, retirement planning, ricp
Joe Jordan reviews some of the questions to ask clients to help them decide among their retirement income goals.


2-1-1 - Evaluate the client’s current situation
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/fC/oX9aZ3aQpmv1nRlih1B8V8C76PdqNWP0lDF08uGzk/120208_hs353_littell_lemoine_lo-2-1-1-732x412-limelight.mp4
11


Fri, 08 Apr 2016 14:48:03 GMT
6c42a22de03943be8b99834f037fa7bc
00:14:54
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best, best practices, client, client relationships, craig lemoine, david littell, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp


2-1-2 - Advising in a Digital Age
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/zM/HB8N5-aRd1YRVCrpyZlIsG9806sCdjw05sEaK991Y/111024_wc_littel_freitag_henry_seg1-732x412-limelight.mp4
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We discuss how the software tool, "Ready2Retire" can help an advisor help their clients.

Fri, 21 Oct 2011 18:38:15 GMT
9fd57ab4c6854ca7acf90309f8189f3e
00:07:14
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best, best practices, client, client relationships, david freitag, david littell, decisions, paul henry, practices, process, relationships, retirement, retirement decisions, retirement income, retirement income planning, retirement income process, retirement planning, ricp, the american college, the wealth channel
We discuss how the software tool, "Ready2Retire" can help an advisor help their clients.


2-1-3 - Risk tolerance
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/24/_OjYEmQtjdFwG1QTEDRe5E_9NbrkRqfLoyE6PfeZs/110923_nylcri_hs_353_nanigian_hanna_seg4-732x412-limelight.mp4
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We discuss the concepts of subjective risk tolerance and risk capacity. We learn that one useful definition of risk tolerance is how an individual values increases in consumption in relation to reductions in consumption.

Tue, 18 Oct 2011 16:58:45 GMT
fc16ec1ec4874025910d59a0072e7f36
00:04:01
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david nanigian, retirement, retirement income, retirement income planning, retirement planning, ricp, risk, risk tolerance, saving, saving for retirement, sherman hanna, tolerance
We discuss the concepts of subjective risk tolerance and risk capacity. We learn that one useful definition of risk tolerance is how an individual values increases in consumption in relation to reductions in consumption.


2-1-4 - Why assessing budgeting is such a critical part of the retirement planning process?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/fA/6WCgoYdHe5-A0OFUwucBDXoPuiWECax4Ox7s7XTHk/110629_nylcri_basu_seg2_143-732x412-limelight.mp4
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We discuss how retirement planning revolves around assessment of current expenses and how to frame this issue with clients to help them overcome the resistance to this process.

Tue, 23 Aug 2011 19:19:15 GMT
a92bf5449e45462c822991fc1f911832
00:18:29
no
age banding, calculations, david littell, distribution, distribution strategies, kenn tacchino, retirement, retirement calculations, retirement income, retirement income planning, retirement planning, ricp, somnath basu, strategies
We discuss how retirement planning revolves around assessment of current expenses and how to frame this issue with clients to help them overcome the resistance to this process.


2-3-1 - What assumptions should be used when calculating retirement needs?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/8u/CRrM4LILm99rYbA_TjTMphIFUZ--0kzKEozcL0Hrc/acc4_0027.mp4
15
An examination of the assumptions required when using a retirement accumulation calculator and the merits of choosing one assumption over another. We learn how to fine-tune assumptions to reflect client conditions.

Tue, 18 Jan 2011 19:19:48 GMT
d0d3a7e2529545d5aede556091b014b7
00:18:24
no
assumptions, calculations, david littell, kenn tacchino, retirement, retirement assumptions, retirement calculations, retirement income, retirement income planning, retirement planning, ricp, saving for retirement
An examination of the assumptions required when using a retirement accumulation calculator and the merits of choosing one assumption over another. We learn how to fine-tune assumptions to reflect client conditions.


2-3-2 - Identify tools and approaches to making an evaluation of financial preparedness for retirement
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Qx/gk8oP3EWdx5zy1vXICd4MlVseKHaNOKpGoh-pV--k/120402_hs353_littell_lemoine_mclellan_seg1-732x412-limelight.mp4
16


Thu, 05 Apr 2012 13:45:45 GMT
7ca185e5d34d4a1480956ee21a2b6bfe
00:13:39
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allen mclellan, craig lemoine, david littell, retirement, retirement income, retirement income planning, retirement planning, ricp


3-1-1 - What can we learn from behavioral finance research about retirement savings?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/at/SEMqApAt2RG_LUns8IbWFe0qW1JCir_T3zaA3WStw/110629_nylcri_basu_seg8_147-rev2-732x412-limelight.mp4
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We discuss how a good retirement plan can fail without an understanding of what drives human behavior.

Wed, 18 Apr 2012 19:24:15 GMT
23f444e858e9419c84281ecc37de452a
00:12:45
no
behavioral, behavioral finance, david littell, finance, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, ricp, saving, saving for retirement, somnath basu
We discuss how a good retirement plan can fail without an understanding of what drives human behavior.


3-2-1 - What is the impact of deferring retirement age on retirement income adequacy?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/hP/tNnFoVx1NzIudtSa5rzqbCTRYllR3eVZrKEg_8668/111027_hs353_vanderhei_seg_007-732x412-limelight.mp4
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We review data about the impact of deferring retirement and learn that deferral has the most significant impact on the retirement readiness of lower-income workers.

Fri, 10 Feb 2012 20:30:15 GMT
c4ac38460ad44d5ea498d6afa19712d0
00:06:17
no
david littell, jack vanderhei, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, retirement statistics, ricp, saving, saving for retirement, statistics
We review data about the impact of deferring retirement and learn that deferral has the most significant impact on the retirement readiness of lower-income workers.


3-2-1 - Working During Retirement
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/EZ/TjjB2nHKT1srajPpeFnCb3uf1R-O-x8ou0RLLdImk/working-during-retirement_clip.mp4
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How to help pre- and post-retirement clients stay relevant to the working world and resources for finding jobs later in life, with Anna Rappaport.

Fri, 21 Dec 2012 18:49:45 GMT
59b4b1c52bfd45a58b33e5d4899d4ce7
00:05:58
no
anna rappaport, david littell, decisions, process, retirement, retirement decisions, retirement income, retirement income planning, retirement income process, retirement planning, ricp, the wealth channel, work, work and retirement
How to help pre- and post-retirement clients stay relevant to the working world and resources for finding jobs later in life, with Anna Rappaport.


3-3-1 - What types of plans should a small business owner consider for retirement savings?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/FE/e8j7h8fVfMlBqCUXZBNMezzSyEoDuMI8-G1DTrYEI/acc11_001-0060.mp4
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We look at options for the solo practitioner and the small employer. We learn that the practitioner should focus on the amount he/she would like to save and administrative simplicity when choosing a tax advantaged plan.

Tue, 18 Jan 2011 19:19:47 GMT
b660ceefe2204a7ea844e14c9f97967b
00:08:31
no
david littell, kenn tacchino, plans, qualified, qualified plans, retirement, retirement income, retirement income planning, retirement planning, ricp, saving, saving for retirement, strategies, tax, tax strategies
We look at options for the solo practitioner and the small employer. We learn that the practitioner should focus on the amount he/she would like to save and administrative simplicity when choosing a tax advantaged plan.


3-3-2 - How current and future tax rates affect the choice of retirement vehicles?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/1h/-iqhhrq-Vs1lTl81NKnsmG8Ued0RGtDvp3RsZ_A2M/110804_nylcri_nanigian_littell_reichenstein_seg4-732x412-limelig.mp4
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We consider how a difference in current versus future tax rates impact the decision to contribute to a tax deferred or tax exempt retirement plan.

Mon, 22 Aug 2011 12:43:45 GMT
fc8af9763e4e4459af7692e9e8e8cb78
00:08:02
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david littell, david nanigian, iras, iras and roth iras, plans, qualified, qualified plans, retirement, retirement income, retirement income planning, retirement planning, ricp, roth, strategies, tax, tax strategies, william reichenstein
We consider how a difference in current versus future tax rates impact the decision to contribute to a tax deferred or tax exempt retirement plan.


3-3-2 - How do you execute a Roth IRA Recharacterization and/or Reconversion?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/q9/XlH-ly8WTrHR0SArYRDCiWPN-VFX_PCSNglafDwCI/100716_nylife_rechar_recon_100723_update111010-732x412-limelight.mp4
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We learn why an individual who has converted a traditional IRA into a Roth IRA may want to undo that transaction (called a recharacterization). We also learn about the rules and deadlines for recharacterization as well the rules for reconverting that same IRA account into a Roth IRA a second time.

Wed, 12 Oct 2011 17:06:15 GMT
bb3a4e7bc6d340709562d55fae90d70f
00:08:56
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david littell, distributions, iras, iras and roth iras, paul schneider, retirement, retirement income, retirement income planning, retirement planning, ricp, roth, strategies, tax, tax strategies, tax treatment of distributions, treatment
We learn why an individual who has converted a traditional IRA into a Roth IRA may want to undo that transaction (called a recharacterization). We also learn about the rules and deadlines for recharacterization as well the rules for reconverting that same IRA account into a Roth IRA a second time.


3-4-1 - Is it better to defer Social Security and withdraw other financial assets?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/UD/x4J7c83vOPaCVA2qsFWIV2zP4QdnU1lGdZA1DLDcQ/110804_nylcri_nanigian_littell_reichenstein_seg7-732x412-limelig.mp4
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We discuss the effect on portfolio success when comparing whether a client should draw down Social Security assets while she waits for deferred Social Security or claim Social security as soon as possible to preserve other assets. We learn that deferring Social Security can actually help to extend the portfolios longevity.

Mon, 22 Aug 2011 12:43:45 GMT
155ec2427c2f4a0f96b5168dbd1360a6
00:07:44
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david littell, david nanigian, research, retirement, retirement income, retirement income planning, retirement income research, retirement planning, ricp, social security, william reichenstein
We discuss the effect on portfolio success when comparing whether a client should draw down Social Security assets while she waits for deferred Social Security or claim Social security as soon as possible to preserve other assets. We learn that deferring Social Security can actually help to extend the portfolios longevity.


3-5-1 - What are the different ways to access home equity to fund retirement needs?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/eK/XKPzZnRlrtkZDx7g8pL-f260xauM8iRAEyHa9ScE4/100520_nyl_stucki_seg2-0068-732x412-limelight.mp4
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We compare conventional loans, reverse mortgages, single purpose loans, and downsizing. We find out the appropriate use for each strategy.

Tue, 18 Jan 2011 19:19:45 GMT
066ed88b6e00421b8da19bce777bdead
00:09:47
no
barbara stucki, david littell, housing, mortgages, retirement, retirement income, retirement income planning, retirement planning, reverse, reverse mortgages, ricp
We compare conventional loans, reverse mortgages, single purpose loans, and downsizing. We find out the appropriate use for each strategy.


3-5-1 - What are some strategies for using home equity in the Decumulation phase of retirement?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/RV/TdyhW8rZlq-xkVmv_7LSlBTVcJrWASdGWVfe1kufs/100520_nyl_stucki_seg8-0074-732x412-limelight.mp4
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In this video we discuss the NCOA and MetLife Study, Tapping Home Equity in Retirement. We learn about using home equity to increase retirement income, defer payment of a mortgage, or as an emergency fund to cover important expenses that allow a retiree to remain in the home.

Tue, 18 Jan 2011 19:19:46 GMT
9112d8fa0e4247528c35ba2bee0002ae
00:18:13
no
barbara stucki, david littell, housing, mortgages, retirement, retirement income, retirement income planning, retirement planning, reverse, reverse mortgages, ricp
In this video we discuss the NCOA and MetLife Study, Tapping Home Equity in Retirement. We learn about using home equity to increase retirement income, defer payment of a mortgage, or as an emergency fund to cover important expenses that allow a retiree to remain in the home.


3-6-1 - What investment strategies can improve portfolio performance without adding risk?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/tW/SjVuH7dl5W_vRXN8cYypz496KaVA62i3j2zhw8ghM/120217_hs353_littell_nanigian-732x412-limelight.mp4
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In this video David Nanigian points out some of the practical implications of the research on mutual funds.

Tue, 13 Nov 2012 22:03:45 GMT
5570327ef59a41c3be2412dc1bdf4ced
00:24:23
no
allocation, asset, asset allocation, david littell, david nanigian, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp
In this video David Nanigian points out some of the practical implications of the research on mutual funds.


3-6-2 - In a tax-deferred account what percent of principal is effectively owned by the individual investor?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Ai/prZnyALRcu-MHHksw8-8FTedSPLk-QBouqrNErPyA/110804_nylcri_nanigian_littell_reichenstein_seg2-732x412-limelig.mp4
27
When a client has both stocks and bonds, determining the appropriate asset location is critical to maximizing the value of the portfolio. We learn principles that help the advisor choose which types of investments are best held in tax advantaged retirement plans (both tax-deferred and tax-exempt) and which are more appropriate to hold in taxable accounts.

Mon, 22 Aug 2011 12:43:45 GMT
b53b2cacae4843c09912c5522ff87eef
00:15:33
no
david littell, david nanigian, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, tax, tax strategies, william reichenstein
When a client has both stocks and bonds, determining the appropriate asset location is critical to maximizing the value of the portfolio. We learn principles that help the advisor choose which types of investments are best held in tax advantaged retirement plans (both tax-deferred and tax-exempt) and which are more appropriate to hold in taxable accounts.


4-1-4 - What is the appropriate order of withdrawals from different types of retirement accounts?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Dv/Tb_M0Tx3QA81QKFmeNC9v4HHjpryk5kBIGo_jXnOk/110804_nylcri_nanigian_littell_reichenstein_seg3-732x412-limelig.mp4
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A critical decision in retirement is choosing the most tax efficient order of withdrawals from taxable, tax-deductible, and tax-exempt accounts We learn principles to help clients make appropriate decisions.

Mon, 22 Aug 2011 12:43:45 GMT
646a829b588d40788b42bec810914672
00:09:08
no
david littell, david nanigian, distribution, distribution strategies, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, strategies, tax, tax efficient, tax efficient withdrawals, tax strategies, william reichenstein, withdrawals
A critical decision in retirement is choosing the most tax efficient order of withdrawals from taxable, tax-deductible, and tax-exempt accounts We learn principles to help clients make appropriate decisions.


4-1-5 - What is the tax treatment of a nonqualified annuity?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/_k/H2xHP6tpjtzWNzX5LLT4-_bq90HdHgqDGB3TiJMog/nylife__ivers_pt1-0075-alt-732x412-limelight.mp4
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We discuss all aspects of the tax treatment of nonqualified annuities during the life of the contract holder. We learn about the early withdrawal penalty tax as well as the difference between the tax treatment of withdrawals prior to and after annuitization. We also learn about calculating the exclusion ratio when the annuity is a variable annuity or contains an inflation rider.

Tue, 18 Jan 2011 19:19:46 GMT
5e23c2aca9994a13ba6558a95e85a168
00:23:54
no
annuities, david littell, distributions, james ivers, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, ricp, strategies, tax, tax strategies, tax treatment of distributions, treatment
We discuss all aspects of the tax treatment of nonqualified annuities during the life of the contract holder. We learn about the early withdrawal penalty tax as well as the difference between the tax treatment of withdrawals prior to and after annuitization. We also learn about calculating the exclusion ratio when the annuity is a variable annuity or contains an inflation rider.


4-1-6/8-4-1 - How are Social Security benefits taxed?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/9v/gBshAHMpfk7EOhlGKrjGGzOgK0t8pz8lpWnLsx5LY/ss01_001-0059-732x412-limelight.mp4
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A look at the concept of provisional income and the income limits that exempt Social Security form federal taxation. We learn that some clients will receive all of the Social Security tax free, some will have up to 50 percent of their Social Security taxed, and some will have up to 85 percent of their Social Security taxed.

Tue, 18 Jan 2011 19:19:48 GMT
cc88b5131d8d46f89e11eac57bf74c52
00:05:01
no
david littell, introduction, introduction to retirement income planning, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, ricp, social security, strategies, tax, tax strategies
A look at the concept of provisional income and the income limits that exempt Social Security form federal taxation. We learn that some clients will receive all of the Social Security tax free, some will have up to 50 percent of their Social Security taxed, and some will have up to 85 percent of their Social Security taxed.


5-1-2 - Deep Risk and Shallow Risk
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/9e/07-jFKcTv4l5vVUrkqUZg_eD-APGwvkH6FsK0EpC8/pfau_vlog-6-final.mp4
31
Wade Pfau’s recommended reading for those advising long-term investors is William J. Bernstein’s “Deep Risk: How History Informs Portfolio Design.”

Fri, 01 Nov 2013 16:32:17 GMT
31ff272706e04e1ebca57a86a051b8d1
00:06:33
no
advisors, amount of risk, cfa, deep risk, deep risk: how history informs portfolio design, duration of loss, duration of portfolio loss, estate planning, financial advisors, financial services, investors, long term investors, phd, portfolio loss, professor of retirement income, retirement, retirement and estate planning, retirement planning, risk, shallow risk, size of loss, size of portfolio loss, the american college, the wealth channel, wade pfau, william j. bernstein
Wade Pfau’s recommended reading for those advising long-term investors is William J. Bernstein’s “Deep Risk: How History Informs Portfolio Design.”


6-1-1 - What are the three approaches advisors are using when counseling clients about retirement income planning?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/sQ/5Mdn7KhTv8LVueuFHXCeUskyRxyP7aJKUUZ6fD5Rw/110810_nylcri-_guyton_kitces002-732x412-limelight.mp4
32
We discuss the systematic withdrawal approach, the "bucket strategy" approach, and the "essential vs. discretionary" approach to retirement income planning. We learn that the bucket strategy is a complimentary derivation of the systematic withdrawal strategy. We also learn the advantages and disadvantages of annuitizing essential expenses.

Fri, 16 Sep 2011 19:39:15 GMT
c6935b1ce5ab4f958b27d2f9b9f16bcd
00:16:49
no
bucket, discretionary, distribution, distribution strategies, essential, essential vs. discretionary, introduction, introduction to retirement income planning, jonathan guyton, kenn tacchino, michael kitces, retirement, retirement income, retirement income planning, retirement planning, ricp, systematic, systematic withdrawals, withdrawals
We discuss the systematic withdrawal approach, the "bucket strategy" approach, and the "essential vs. discretionary" approach to retirement income planning. We learn that the bucket strategy is a complimentary derivation of the systematic withdrawal strategy. We also learn the advantages and disadvantages of annuitizing essential expenses.


6-2-1 - What is the safe withdrawal rate strategy?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/H5/IrW-JOWSPS7w_JjodXVwxkK1hiLUQkk9S2a_IEk7A/110810_nylcri-_guyton_kitces-006_173-fix-732x412-limelight.mp4
33
We examine the research about safe harbor withdrawal rates. We learn that four percent is not the magic number!

Thu, 29 Mar 2012 16:05:15 GMT
5fc9fc2c4ef44b7ba8b93d2d854d5295
00:14:39
no
distribution, distribution strategies, jonathan guyton, kenn tacchino, michael kitces, research, retirement, retirement income, retirement income planning, retirement income research, retirement planning, ricp, safe, safe withdrawal rate, strategies, systematic, systematic withdrawals, withdrawals
We examine the research about safe harbor withdrawal rates. We learn that four percent is not the magic number!


6-2-1 - What is the traditional thinking about sustainable withdrawal rates?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/DZ/hYrWFmiA7jYZXQngQmzjVGMjrEX3dv6NOht7wvZX0/lal2_0004-720x486-limelight-sd.mp4
34
An examination of expert thinking about the percentage of portfolio savings that can be spent annually during retirement without depleting the portfolio. We learn how much can be withdrawn for a sustainable withdrawal rate.

Tue, 18 Jan 2011 19:19:45 GMT
1fcae7bb1abd4638938ea4166b9e9740
00:10:05
no
distribution, distribution strategies, kenn tacchino, moshe milevsky, retirement, retirement income, retirement income planning, retirement planning, ricp, strategies, sustainable, sustainable withdrawal rates, systematic, systematic withdrawals, walt woerheide, withdrawals
An examination of expert thinking about the percentage of portfolio savings that can be spent annually during retirement without depleting the portfolio. We learn how much can be withdrawn for a sustainable withdrawal rate.


6-2-2 - What happens if the client outlives the systematic withdrawal rate time horizon?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/oU/aj5vlEnLHt2O1xhI5WHRSmFQmYsuFmpFU23TZWHxA/110810_nylcri_guyton_kitces-009-732x412-limelight.mp4
35
We discuss setting the safe withdrawal rate time horizon. We learn that several safeguards are in place even if a client outlives the chosen time horizon.

Fri, 16 Sep 2011 19:37:45 GMT
c6fd17a002f84d948e05d4f5ec8dd7a0
00:03:14
no
distribution, distribution strategies, horizon, jonathan guyton, kenn tacchino, michael kitces, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, strategies, systematic, systematic withdrawals, time, time horizon, withdrawals
We discuss setting the safe withdrawal rate time horizon. We learn that several safeguards are in place even if a client outlives the chosen time horizon.


6-2-3 - How do sustainable withdrawal rates apply to the middle class?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/mM/Ij1zxeD3tCF20NVJLEFOnRUsK9P48hMNbxfxJ6wxY/110810_nylcri_guytom_kitces009b-732x412-limelight.mp4
36
We discuss retirement planning for the middle class. We learn about the increased need to focus on the expense side as opposed to the income side.

Tue, 13 Sep 2011 13:57:15 GMT
6528cd9efc1f4bb0a3746f9bb0da3a93
00:09:37
no
best, best practices, client, client relationships, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We discuss retirement planning for the middle class. We learn about the increased need to focus on the expense side as opposed to the income side.


6-2-4 - What is the Impact of Glide Path On the Success of a Retirement Portfolio
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/gZ/I6PHzNYF1QVqru1EMJleJD2mh0359sl93zNYvMTys/lal5_0007-720x486-limelight-sd.mp4
37
An analysis of how the change in equity allocation over time affects retirement portfolio sustainability. We learn that equity reduction throughout retirement may not be optimal and that standard deviation, not just the probability of portfolio ruin, should be considered as a measure of a clients risk.

Tue, 18 Jan 2011 19:19:45 GMT
22cda765c66b440baddecd9248c2ab5a
00:12:11
no
allocation, asset, asset allocation, kenn tacchino, moshe milevsky, portfolio, research, retirement, retirement income, retirement income planning, retirement income research, retirement planning, retirement portfolio, ricp, sustainable, sustainable withdrawal rates, walt woerheide, withdrawal
An analysis of how the change in equity allocation over time affects retirement portfolio sustainability. We learn that equity reduction throughout retirement may not be optimal and that standard deviation, not just the probability of portfolio ruin, should be considered as a measure of a clients risk.


6-3-1 - How can a retirement portfolio be constructed to match the changing expense patterns during retirement?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/IB/cQFAL7rC0QSC_c7ACGvRiE_U7LqBS1xs09BZCgTos/110629_nylcri_basu_seg5_144-732x412-limelight.mp4
38
We discuss appropriate portfolio construction consistent with the age banding approach to dividing expenses into multiple age bands in retirement.

Tue, 23 Aug 2011 19:19:15 GMT
7b893d4af80347e9bc354b915be4e012
00:10:18
no
age banding, allocation, asset, asset allocation, david littell, distribution, distribution strategies, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, ricp, segmentation, somnath basu, strategies, time segmentation
We discuss appropriate portfolio construction consistent with the age banding approach to dividing expenses into multiple age bands in retirement.


6-3-2 - What are the phases of retirement?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/co/HMaWth29PKY3hL2PNzsmL8UoPxrW36N3QW_5bKHdo/111007_nyl_353_rappaport_kt_ww_9-732x412-limelight.mp4
39
We look at planning for the things that can change in retirement. We learn about the spectrum of limitations imposed on the client as they age.

Wed, 26 Oct 2011 13:42:15 GMT
4d6bf9ee7dad44bd9c6877f7821632f6
00:04:49
no
anna rappaport, kenn tacchino, monitoring, monitoring the retirement income plan, retirement, retirement income, retirement income planning, retirement planning, retirement risks, ricp, risks, walt woerheide
We look at planning for the things that can change in retirement. We learn about the spectrum of limitations imposed on the client as they age.


6-3-2 - What is the theory behind dividing a retirement portfolio into multiple sub portfolios?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/nO/N3Lb4zCbRrDC5GDeGihZHbS7chZdurX5-bwlUAPd0/110629_nylcri_basu_seg6_145-732x412-limelight.mp4
40
We discuss what we are trying to accomplish by dividing a retirement portfolio into a number of age bands the types of concerns that this strategy addresses.

Tue, 23 Aug 2011 19:19:15 GMT
c45f69c88ffc4323b952a4fbc09a313e
00:07:39
no
age banding, allocation, asset, asset allocation, david littell, distribution, distribution strategies, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, ricp, segmentation, somnath basu, strategies, time segmentation
We discuss what we are trying to accomplish by dividing a retirement portfolio into a number of age bands the types of concerns that this strategy addresses.


6-3-3 - With the multiple retirement portfolio approach, how should portfolios be reallocated over time?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Fu/PSsq33V_6zAVxsV3hqqPqlVCasXO8pAGZaT2IOwjQ/110630_nylcri_basu_seg15_149-732x412-limelight.mp4
41
We discuss managing multiple retirement portfolios over time.

Wed, 24 Aug 2011 14:34:15 GMT
4ee019d865224e2ab5dc5d522cb219b9
00:11:21
no
age banding, allocation, asset, david littell, distribution, distribution strategies, kenn tacchino, retirement, retirement income, retirement income planning, retirement planning, ricp, segmentation, somnath basu, strategies, time segmentation
We discuss managing multiple retirement portfolios over time.


6-4-1 - What is the theoretical support for the flooring approach to retirement income planning?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/VI/6oIzkVhvgQdTwXpDxp4EQ7hrl9Ev-XyWPWy3fdwyc/120803_hs355_littell_phau_day2_seg4-732x412-limelight.mp4
42
In this video we discuss lifecycle investment theory, the theoretical underpinnings for the safety first, or flooring approach, to retirement income planning.

Tue, 13 Nov 2012 22:51:45 GMT
49089dd95fe244cd8c1a5a0eb9907f1c
00:03:40
no
david littell, flooring, flooring strategy, retirement, retirement income, retirement income planning, retirement planning, ricp, strategy, wade pfau
In this video we discuss lifecycle investment theory, the theoretical underpinnings for the safety first, or flooring approach, to retirement income planning.


6-4-1 - Why choose the flooring approach to retirement income planning
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/cj/Lnb5N283RmFLAMhJtscrD_bmUeg3ked-NB9qzz6q8/121004_hs355_littel_graves_hegna-seg4-732x412-limelight.mp4
43
We discuss the economic and psychological reasons for creating an income floor in retirement.

Wed, 12 Dec 2012 14:53:45 GMT
094b0bd7cc9c4d8ab0b5e6a33137c52f
00:07:28
no
david littell, distribution, distribution strategies, edward graves, flooring, retirement, retirement income, retirement income planning, retirement planning, ricp, strategies, tom hegna
We discuss the economic and psychological reasons for creating an income floor in retirement.


7-2-1 - What investment strategies should be used for the systematic withdrawal approach?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Eb/HEApm6W_-ghOfoWjrpA-umh8Cn1rckJu220ePTUxo/120425_nylcri_littell_kitces_guyton_lemoine_seg2-732x412-limelig.mp4
44
We discuss choosing appropriate investments in a portfolio with the systematic withdrawal approach. We learn that asset allocation and having a broad array of investments are both key considerations.

Wed, 02 May 2012 16:01:15 GMT
63139e9c979d41fba5d626d71eb2849f
00:08:26
no
allocation, asset, asset allocation, craig lemoine, david littell, jonathan guyton, michael kitces, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, systematic, systematic withdrawals, withdrawals
We discuss choosing appropriate investments in a portfolio with the systematic withdrawal approach. We learn that asset allocation and having a broad array of investments are both key considerations.


7-2-2 - What investment products should be used for the systematic withdrawal approach?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/1a/X-2ZF746RI7fnYKFOG3JNpxmy7VbDk-inysDMJ7pk/120425_nylcri_littell_kitces_guyton_lemoine_seg3-732x412-limelig.mp4
45
We look at products planners may use for systematic withdrawals. We analyze how a variety of choices fit.

Mon, 30 Apr 2012 22:03:15 GMT
9bfb89613f264f6d8959c2eeb166ed7b
00:08:05
no
allocation, asset, asset allocation, craig lemoine, david littell, distribution, distribution strategies, jonathan guyton, michael kitces, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, strategies, systematic, systematic withdrawals, withdrawals
We look at products planners may use for systematic withdrawals. We analyze how a variety of choices fit.


7-2-2 - What type of equity investments should be used in a decumulation portfolio?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/ZE/Xne2V_87_UPiwIPFyyKmPU_Sr3k4M_PPJW7Eqn8S8/120402_hs353_tacchino_k_lemoine_nanigian_woerheide_seg6-732x412-.mp4
46


Thu, 03 May 2012 14:13:15 GMT
506af0527c4348cfbb911656ffb9ab17
00:11:10
no
allocation, asset, asset allocation, craig lemoine, david nanigian, kenn tacchino, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, walt woerheide


7-2-3 - What products work best with the bucket approach to retirement income planning?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/6F/UhN-0zRfwhvqfnthpuoDvUEKaVmgvrveLssCEgSi8/120425_nylcri_littell_kitces_guyton_lemoine_seg4-732x412-limelig.mp4
47
We examine how to build a portfolio using the bucket approach. We analyze how a variety of products fit.

Mon, 30 Apr 2012 22:02:46 GMT
b4395d60396b41bbb091cd96eba45558
00:04:20
no
allocation, asset, asset allocation, bucket, craig lemoine, david littell, distribution, distribution strategies, jonathan guyton, michael kitces, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, segmentation, strategies, time, time segmentation
We examine how to build a portfolio using the bucket approach. We analyze how a variety of products fit.


7-2-4 - What are the products used when the flooring approach is followed?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/4r/A4BgFCWLT8zuKO2YbwTsitx4rKrkuIMY5fte5RqbI/120402_hs353_tacchino_k_lemoine_nanigian_woerheide_seg5-732x412-.mp4
48


Thu, 03 May 2012 14:13:15 GMT
f7d9a813947f471b9399be9e286e1be7
00:09:50
no
allocation, asset, asset allocation, craig lemoine, david nanigian, kenn tacchino, portfolio, retirement, retirement income, retirement income planning, retirement planning, retirement portfolio, ricp, systematic, systematic withdrawals, walt woerheide, withdrawals


7-3-1 - Forming the client relationship with a retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/v1/40nzjuQOkbTbMnNs9GpAwTVLAOxX3rqucOGnL9w74/120425_nylcri_seg01-a_littell_tacchino_guyton_kitces-732x412-lim.mp4
49
We learn about clarifying what the client wants out of the relationship with the advisor when formulating an engagement to create a retirement income plan.

Mon, 30 Apr 2012 22:02:46 GMT
cf00994021db4123b37ac0625dc396b3
00:04:12
no
best, best practices, client, client relationships, david littell, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We learn about clarifying what the client wants out of the relationship with the advisor when formulating an engagement to create a retirement income plan.


7-3-1 - Gathering data for the retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/_b/2FOnsU467TtaYSz-khomX9YQ27OO73uJIebq1QyzQ/120425_nylcri_seg01-b_littell_tacchino_guyton_kitces-732x412-lim.mp4
50
We learn about what data to gather and communicating with the client to ensure that all relevant information is known at this crucial stage of the retirement income planning process.

Mon, 30 Apr 2012 22:02:46 GMT
45e680921fd3435a8e8bddad305b988e
00:10:52
no
best, best practices, client, client relationships, david littell, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We learn about what data to gather and communicating with the client to ensure that all relevant information is known at this crucial stage of the retirement income planning process.


7-3-1 - Analyzing data for the retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/vy/KgOFGhHemCbBaCIVwiX8mTQmw4_woRrPBCUDXlCZg/120425_nylcri_seg01-c_littell_tacchino_guyton_kitces-732x412-lim.mp4
51
We learn that knowing the client's prioritized objectives is key to analyzing data for a retirement income plan.

Mon, 30 Apr 2012 22:02:46 GMT
1109d342bb0f410cb15863b7ebcbe6a6
00:10:21
no
best, best practices, client, client relationships, david littell, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We learn that knowing the client's prioritized objectives is key to analyzing data for a retirement income plan.


7-3-1 - Communicating the retirement income plan to the client
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/t4/PeFI9LzpLP6NrmqfFNa6WF6hUR2ARkO8UTelandOk/120425_nylcri_seg01-d_littell_tacchino_guyton_kitces-732x412-lim.mp4
52
We learn that communicating the retirement income plan to the client involves a lot of listening and working together.

Mon, 30 Apr 2012 22:02:46 GMT
756c23abb5794beca76149a9e8240846
00:08:19
no
best, best practices, client, client relationships, david littell, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We learn that communicating the retirement income plan to the client involves a lot of listening and working together.


7-3-1 - Implementing the retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Sc/tXuzuPjNo_mqPoiKw3h5uj5GvE92nhvCp1wym28gs/120425_nylcri_seg01-e_littell_tacchino_guyton_kitces-732x412-lim.mp4
53
We learn about how to successfully implement the retirement income plan.

Mon, 30 Apr 2012 22:02:46 GMT
d555a043b9c74cd28c0781af8b4da739
00:04:07
no
best, best practices, client, client relationships, david littell, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We learn about how to successfully implement the retirement income plan.


7-3-1 - Monitoring the retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/_L/FEOKHuB0ZJ5AyglHgOmXcUno4oTatgGjx181I3vAU/120425_nylcri_seg01-f_littell_tacchino_guyton_kitces-732x412-lim.mp4
54
We learn about how often to monitor the retirement income plan and how important this step is to the success of the plan.

Mon, 30 Apr 2012 22:03:15 GMT
15518062c85a42a39243ee4e86602238
00:10:22
no
best, best practices, client, client relationships, david littell, jonathan guyton, kenn tacchino, michael kitces, practices, process, relationships, retirement, retirement income, retirement income planning, retirement income process, retirement planning, ricp
We learn about how often to monitor the retirement income plan and how important this step is to the success of the plan.


7-3-2 - Ensuring client participation in the retirement income plan
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/F1/l_LEO38djXpyvSnvPSBCgXgUmLHlOd7_fAcmiwuLA/120227_hs_353_littell_jordan_seg2_final-limelight.mp4
55
Joe Jordan discusses what clients really want from their financial advisor and begins to address some of the challenges involved in retirement income planning.

Tue, 13 Mar 2012 21:20:15 GMT
4937cf5b29144215a9986cc6de8da543
00:14:25
no
best, best practices, client, client relationships, david littell, distribution, distribution strategies, joe jordan, practices, relationships, retirement, retirement income, retirement income planning, retirement planning, ricp, strategies
Joe Jordan discusses what clients really want from their financial advisor and begins to address some of the challenges involved in retirement income planning.


7-3-3 - Software tools for retirement income planning
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/Bg/ehEk7eBdLgr6egjHHV_aS9v9v5L_7KoLo0CcYHFxs/120402_hs353_littell_lemoine_mclellan_seg2-732x412-limelight.mp4
56
We discuss various methods for calculating how much a client needs to save for retirement need and learn about choosing the appropriate tool.

Thu, 05 Apr 2012 13:45:45 GMT
29b2029c7d304cafa3c35af54023410a
00:09:59
no
allen mclellan, best, best practices, calculations, craig lemoine, david littell, introduction, introduction to retirement income planning, practices, retirement, retirement calculations, retirement income, retirement income planning, retirement planning, ricp
We discuss various methods for calculating how much a client needs to save for retirement need and learn about choosing the appropriate tool.


7-4-1 - How can the planner monitor sustainability of retirement income for her client?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/uB/TolNRG3kCXV0QjsrVX1QPt_DsElFR7mAxir4U0J6I/lal6_0008-edit-640x480-limelight.mp4
57
An analysis of a calculation (risquotient) that can indicate the degree of risk a client has for running out of savings during retirement. We learn how to recognize if a clients income is in jeopardy.

Fri, 01 Feb 2013 21:44:45 GMT
c95e9b15db7544daa70f11a68e4a4ee7
00:09:30
no
distribution, distribution strategies, kenn tacchino, monitoring, monitoring the retirement income plan, moshe milevsky, research, retirement, retirement income, retirement income planning, retirement income research, retirement planning, ricp, strategies, sustainable, sustainable withdrawal rates, walt woerheide, withdrawal
An analysis of a calculation (risquotient) that can indicate the degree of risk a client has for running out of savings during retirement. We learn how to recognize if a clients income is in jeopardy.


7-4-1 - How can the planner monitor whether the client’s withdrawal sustainability is susceptible to unusual market conditions?
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/H5/BnXudwnoa6vbSso-2JpyI2_zULXogIL50uA06V3uw/lal7_0009-732x412-limelight.mp4
58
This discussion looks beyond traditional portfolio failure analysis to invent a warning signal for when a clients situation is likely to change. We learn how to determine if a clients sustainability number is stable by calculating a SORDEX. Most importantly this calculation tells us how often to meet with clients.

Tue, 18 Jan 2011 19:19:46 GMT
69d4f5cb74a4418b830361a126a2fc0b
00:17:45
no
distribution, distribution strategies, kenn tacchino, monitoring, monitoring the retirement income plan, moshe milevsky, research, retirement, retirement income, retirement income planning, retirement income research, retirement planning, ricp, strategies, sustainable, sustainable withdrawal rates, withdrawal
This discussion looks beyond traditional portfolio failure analysis to invent a warning signal for when a clients situation is likely to change. We learn how to determine if a clients sustainability number is stable by calculating a SORDEX. Most importantly this calculation tells us how often to meet with clients.


7-4-2 - What are the strategies that can be used to modify the systematic withdrawal technique when volatile market conditions occur
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/8h/E28y3k5M3_6guCOr_IM3xxJjXn2aHmcvvHVcBpqsE/110810_nylcri_guyton_kitces-007-732x412-limelight.mp4
59


Fri, 16 Sep 2011 19:39:15 GMT
1fca91ecd9364416bcc3ab313a86e946
00:16:46
no



7-5-1 - Case study: Evelyn and Bruce
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/iO/UneZAVDCi_2VIpwEQC7ayHo559j3sp2RKk8LSkZ9g/120425_nylcri_casestudy1-732x412-limelight.mp4
60


Mon, 30 Apr 2012 22:02:46 GMT
379dd71163714b639ae9ed0a8363344f
00:21:34
no
craig lemoine, david littell, jonathan guyton, michael kitces, retirement, retirement income, retirement income planning, retirement planning, ricp


7-5-2 - Case study: Lisa
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/-6/fxhFDeGlZeMp_Jff6fDCU7Ab7TtWj2wvRm-4I1VKE/120425_nylcri_casestudy2-732x412-limelight.mp4
61


Mon, 30 Apr 2012 22:03:15 GMT
6a5a7c663f2748cba037c46011366825
00:13:42
no
craig lemoine, jonathan guyton, kenn tacchino, michael kitces, retirement, retirement income, retirement income planning, retirement planning, ricp


7-5-3 - Case study: Joe and Jane
http://s2.content.video.llnw.net/smedia/114f8c2a3b6949678ec95ec17b9d4d08/ma/r0ROJXPuf1sQY6wRrIWnxi0epiM64yjdX77mlwb9M/120425_nylcri_casestudy3-732x412-limelight.mp4
62


Fri, 08 Apr 2016 14:56:06 GMT
714eaf8ed4c54147a1ec2a5b6271ef60
00:24:04
no
craig lemoine, jonathan guyton, kenn tacchino, michael kitces, retirement, retirement income, retirement income planning, retirement planning, ricp