Monthly Archives: September 2016

Here are a few paragraphs from my newest book about the 4% retirement withdrawal “rule” and something called “Sequence of Returns Risk”. But before you read them, watch this 60 second video, OK? “In 1994, financial planner, William Bengen developed the 4% rule. It quickly became the guiding “formula” used by both professional advisors and do-it-yourselfers for about 2 decades. The 4% rule (or theory) says that at retirement, with a portfolio of 60% stocks and 40% bonds, one could … Continue reading

I’ve taken this “slide” from my new workshop based on my newest book (I hope to record it and put it on the website someday soon). I hope that you find it very educational. You probably know that over the long haul, the stock market has experienced average double digits gains, but most of us don’t retire for 60-100 years. Most of us are only retired for about 30 years. Going back over 117 years you see what are called secular bull … Continue reading

Jim Harbaugh, former coach of the San Francisco 49ers, and just entering his second year as head coach of the University of Michigan football team has struck a deal with the university to borrow money from them… to buy life insurance. Without interrupting his $5 million annual salary contract, the university is now going to loan him $5 million this year and $2 million a year that he remains the head coach there in order to buy life insurance. Ed Slott … Continue reading