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

Tag Archives: longevity

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 […]

The High Probability of Putting Safety-First

There is an ongoing discussion in personal finance about the differences between safety-first and probability-based approaches to managing money, especially money for retirement. You are (probably) familiar with the probability-based approach from hearing some of these well-known rules of the thumb: [list style=”orb” color=”green”] You can withdraw 4% a year and (probably) not run out […]