The Retirement Café

Each of us faces a personal "fiscal cliff" when we retire. The challenge of avoiding that cliff can perhaps best be shown with a g...

Ask anyone what stock market returns they should expect and they will quickly respond with something like 8% or 10%. Ask them how they arri...

I have a friend who keeps asking me if the stock market is going up or down. My answer is always, “Yes, it is.”   But he keeps aski...

In the late nineties I read about safe withdrawal rates (SWR) and became fascinated by the concept, since I was planning to retire in the ne...

My favorite video logo belongs to Far Field Productions and shows up at the end of episodes of the TV series Bones . After several post...

I've read many columns and papers about how devastating large losses can be to a portfolio when those losses occur early in retirement....

MarketWatch says I'm thoughtful. And I quote, "Dirk Cotton, a financial planner based in North Carolina, runs a thoughtful blog ...

As I mentioned in previous posts , the web is replete with columns about sequence of returns (SOR) risk showing that the order in which we ...