3 Retirees That Are Richer Than They Think скачать в хорошем качестве

3 Retirees That Are Richer Than They Think

Retirement Strategy Discussion: https://www.healthyfp.com/contact-us In this video, Bob Wolfe, a certified financial planner, reveals how near-retirees might be overlooking a significant portion of their wealth by not considering their future income streams from Social Security or pensions. He introduces three types of retirees: Invisible Asset Millionaires, Constrained Savers, and those who understand the Spending Smile, and offers strategies for each to maximize their financial security and quality of life. Bob emphasizes the importance of recognizing invisible assets, adopting dynamic spending guardrails, and planning for fluctuating spending needs to retire comfortably and confidently. 00:00 Introduction: Uncovering Hidden Wealth 00:34 Invisible Asset Millionaire: Recognizing Unseen Wealth 02:04 Constrained Saver: Overcoming Spending Fears 03:53 Spending Smile: Understanding Retirement Spending Patterns 04:38 Conclusion: Bringing It All Together SOURCES & TOOLS MENTIONED: Key Research: • Wade Pfau & Michael Kitces - "Reducing Retirement Risk with a Rising Equity Glidepath": https://www.financialplanningassociat... • Michael Kitces - Portfolio Size Effect research: https://www.kitces.com/blog/managing-... • SSRN Academic Paper (Pfau/Kitces): https://papers.ssrn.com/sol3/papers.c... Calculators & Tools: • ImmediateAnnuities.com - Calculate your Social Security's equivalent value: https://www.immediateannuities.com/ Additional Studies: • David Blanchett - "Exploring the Retirement Consumption Puzzle" (spending smile research): https://www.financialplanningassociat... • Society of Actuaries - "Estimating the True Cost of Retirement": https://www.soa.org/globalassets/asse... • Retirement spending curve analysis: https://retirementresearcher.com/reti... DISCLAIMER: Content shared by WolfeOnWealth is for educational purposes only and should not be considered tax, legal, accounting, or investment advice. Advisory services are offered through wHealthyFP LLC, doing business as HealthyFP, an investment adviser registered with the state of Pennsylvania, and only provided to clients where we are properly registered or exempt. Investments involve risk, including possible loss of principal. No assurance can be given that any strategy will be successful. Please consult your own tax, legal, or financial professional for guidance specific to your situation. IRS CIRCULAR 230 DISCLOSURE: Any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code or promoting, marketing or recommending any transaction or matter addressed herein.