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

Tag Archives: risk capacity

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, […]

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 […]

Lifetime Investing, Part Two—The Savings Phase

In part one I discussed the four phases of a lifetime savings and investment plan and how investing during the retirement income phase is driven by the strength of your household balance sheet, not by the need to beat the market or stretch for yield. The stronger your balance sheet, the more risk capacity you […]

The Market’s Turning Down—Now What?

The Dow and S&P 500 have now both broken below their 50-day moving averages, down over 4% from last week’s 52-week highs. After five down days, many of the popular momentum indicators are trending lower. So if you’re following this, what to do now? You can see, surely, the problem with market timing. There really […]

Why Wouldn’t You Play It Safe?

Sure, it’s only money, but it’s your money, and it isn’t getting any easier to get more of it. Zvi Bodie is a Boston U professor and advocate of risk-free retirement income and retirement planning. He and co-author Rachelle Taqqu have a new book out, Risk Less and Prosper, and he was interviewed recently by […]