Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: bucket strategy

Three Strategies for Creating Retirement Income, Part Two

In Part One of this two-part post, I reviewed the most common retirement income strategy, systematic withdrawal and “the 4% rule” which is its hallmark. We noted that among other concerns, the current low-interest rate climate threatens the success of this approach, which slowly spends down your portfolio throughout a 30-year retirement. A recent and […]

Three Strategies for Creating Retirement Income, Part One

Saving for retirement is the long, slow (hopefully boring) prelude to the real show—turning your savings into secure retirement income that will last for the rest of your life. Watching your expenses and saving regularly during a lifetime of employment is crucial, but it may not be enough. You need a plan based on your […]