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

Tag Archives: income floor/upside strategy

Catching a Falling Knife Without Bleeding – Value Averaging Down

Value averaging down increases market returns by lowering your basis. Dividends increase the total return further.

That’s how you catch a falling knife without bleeding. And that’s why this is a good time for those who have a strong balance sheet and a long-term plan to manage Upside, Floor, Longevity, and Reserves.

Looking at Floor Five Years Out

Most folks think investing is about picking stocks and dodging in and out of the market before the roof falls in. Maybe with play money. In real life, investing is about figuring out your life goals, how to pay for them, and then designing an investment approach that will get you to a successful outcome, […]

What Are You Paying Your Advisor For?

You know that the fees you pay to invest your savings matter, and that these costs, even tiny percentages, can significantly reduce your gains over a lifetime of saving and investing. You are probably also aware of the rise of “robo-advisors,” web-based automated do-it-yourself investment management sites like Wealthfront and Betterment that provide sophisticated, algorithmic […]

Some Caution About Retirement Income and English Gentlemen

“A mere madness, to live like a wretch, and die rich.” —Robert Burton, The Anatomy of Melancholy, 1621 My mother used to say that a gentleman lived on the interest from his principal. That didn’t apply to our circumstances, not by a long shot (substitute “sweat of brow” and you’re closer to fact). I suspect […]

Finding the Upside on Your Household Balance Sheet

Inescapably the time comes to consider that spending from savings is different from saving from income. You survey your savings and investments, scattered across a number of accounts, and the question arises, how best to manage this money to get the best lifetime outcome for the household when you are no longer earning a high […]

How Personal is Your Robo-Advisor?

I just returned from the RIIA (Retirement Income Industry Association) Fall Conference in Charlotte where I gave a presentation on emerging robo-advisors and financial planning. For most of you, sitting through a conference listening to talks about retirement income probably ranks somewhere between enduring a visit to the dentist and enduring a visit from a […]

Your Household Balance Sheet as the Basis of Your Financial Plan

There are well over 600,000 financial advisors of various flavors competing for your personal investing business—registered reps, investment advisors, dual registered, and insurance agents, each with a different angle and way to be paid. Regardless and not surprisingly, most are focused on investing, investment strategies, and getting you into investment products. As a consequence, most […]

Lifetime Investing, Part Four—Getting Your Level of Risk Right

In part three of this series, we discussed how to create a low-cost portfolio invested in the global economy that reliably returns market returns, less costs, year in and year out while diversifying away the risk of picking and owning stock in individual companies. We discussed how to set up two indexed sub-portfolio one for […]

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 […]