Reviews in the News

          "Bill Klinger's decumulation method involves techniques for moving payout rates up or down in
          response to market fluctuations. The New Jersey professor has also created the Retirement
          Quant planning tool."  Read article.

  • May 11, 2010, Time to Replace the 4% Rule?
    The Motely Fool

  • January 25, 2010, How Much Annual Income Can Your Retirement Portfolio Provide?
    By Kenneth Walcyk, ING Financial Advisors, LLC

  • October 13, 2009, GOTCHA: Hidden Treasures and Traps in Retirement Income Generation, Annual Conference of the Financial Planning Community
    by Jon Guyton, Cornerstone Wealth Advisors

  • Bear Market's Impact on Safe Withdrawal Rates
    by Michael E. Kitces, Wealth Design

  • How Much Annual Income Can Your Retirement Portfolio Provide?
    by John Lucchino, Lucchino & Associates

  • Managing Money For Retirement Income
    by Kisner & Associates

  •  September 14, 2007     Retirement income rules
    by John Caspar, Vice President and Investment Advisor with CIBC Wood Gundy

    "Okay, so you've worked, you've saved and you've built up that nest egg. Now you want to retire. How much money can you take from your portfolio to live on every year?
    That's a more complicated question than you might think, because it involves guessing about a lot of things. Here's a partial list of the variables involved: how long you'll live; inflation; interest rates; the performance of the capital markets; your tolerance for uncertainty. That's a lot of moving parts, and if you change your assumptions about any one of them, you'll get a different answer.
    You do need an answer, though, because your assumptions about how much income you can count on will determine how you should plan your life. Your decisions regarding things like how much to spend and how much to save, how long and how much to work, and how to live in retirement will all be driven by that number.
    Now, as it happens, you're not the only one who wants to know this. Sooner or later, everyone asks this question. As a result," ...

    "After defining the rules and setting their parameters, Klinger fired up his Monte Carlo simulator loaded with 78 years of data on asset and inflation performance, applied the appropriate statistical rigor, and pressed the big red button. KA-POW! Having decision rules allows the initial withdrawal rate of a retirement portfolio to be set higher. A lot higher."

      Read the whole article here found on the MSN Sympatico Finance website.

  • August 9, 2007     New Approach Allows Retirees to Control Their Own Pace for Portfolio Withdrawals, Says Journal Articleby Beau Ballinger, Public Relations Manager with Financial Planning Association

    "Research in recent years has established rule-of-thumb “safe” portfolio withdrawal rates for retirees so their nest egg doesn’t run out of money. But an article in the August 2007 issue of the Journal of Financial Planning, published monthly by the Financial Planning Association®, offers a method for retirees to establish their own retirement withdrawal profile and then apply withdrawal rate rules that allow them to accomplish that plan. They’re in control instead of being held to a one-size-fits-all rate."

    Read the whole article here found on the Financial Planning Association website.

  • The Golden Goose Retirement Income Plan
    by Dana Anspach, CFP®, Principal of Wealth Management Solutions, LLC.

    "You’re counting on your retirement plan to be your golden goose; the question is how many eggs can you take without killing the goose? A recent study shows most upcoming retirees have little idea how much money they can safely withdraw.

    The latest research provides an answer and set of clear cut rules to follow to give you the greatest probability for success. What happens if you follow the rules? You may be able to withdraw as much as..."

    To read the whole article, click here .  The article is posted on the WMS Articles website

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  • The Bogleheads

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