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

Tag Archives: risk management

Market Gyrations And Retirement Spending Volatility

Wall Street is selling wealth management by managing returns volatility when the vast majority of us probably need something else. Depending on where you are in the lifecycle, you likely will be better served managing savings or managing spending.

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 […]

Goals-based Planning and Using the Market

Few of us have a very complete understanding of what investing is. We may think about it as being smart or lucky enough to pick the right stocks (“winners”) so that our money grows and grows. We may follow our gut or some guru (the wackier the better, apparently), looking for maximum return or yield. […]

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 […]

Lifetime Planning with R-MAP Planner

I’ve been busy the last few months enhancing the planning tool I’ve developed, R-Map Planner, and building a home for it on the web where planners and civilians alike can find out about it and license it. So I’ve been a bit absent here from posts recently (no cheering!), part of the time division that […]

Know Where You’re Going Before You Buy A “Go Anywhere” Bond Fund

The financial services industry is quick to turn any new investor distress into a hopefully profitable if sometimes dubious investment product. Take bonds, for instance. Investment quality bonds, bought and held to maturity, are among the safest and most predictable investments. Annual income is a function of the coupon rate, and you get your principal […]

Individual Risk and Your Lifetime Financial Plan

If you’re fortunate to have lived a long while, you’ve probably worked hard and dodged or overcome any number of obstacles in the challenging race that has delivered you to the present. If you’re gazing ahead at retirement, you might hope the obstacles are fewer and far between, the horizon flat and sunny, maybe leading […]

Managing Systematic Risk within Your Lifetime Financial Plan

The financial services industry would have us believe that “the power of the right advisor” investing our savings will lead us to the financial promised land. In fact, investing is far from the most important factor in financial success—although the risk of investing poorly because of the powerful sway of a commissioned advisor can be […]

Managing a Lifetime of Risk, Or How I Learned to Stop Worrying and Love Retirement

An old don from my school days was fond of quoting that life is just one damn thing after another. There’s a corollary too—life isn’t just one damn thing after another, it’s the same damn thing over and over. We’ll talk about the corollary in future posts when we tackle investing. For now, we’ll focus […]