Sentences with phrase «most planners»

For wealthy clients, most planners start with an assumption that the federal government will take at least 35 % of income, and add the state's bite on top of that.

Most planners work on a commission basis and earn money for selling you products.

The biggest consideration most planners use to determine how much risk to take is how long it will be before you need to use that pool of money.

And since most planners need to justify their fees, they're often guilty of the exact same sins.

But now most planners are using 110 or 120 minus your age since people are living longer and need the extra growth that stocks can provide.

It's hard to recall a time when stocks were not volatile, which is why most planners counsel that stocks are appropriate for those with a time horizon of at least five years.

However the authors of the study, Professor Michael Hebbert and Dr Vladimir Jankovic from the University of Manchester found that despite all the technology available to them, most planners build cities without an awareness of the atmospheric effects they are creating.

Q. My question concerns the assumption most planners make that retirement spending increases about three percent a year, no matter how advanced the client's age.

Most planners recommend keeping three months of budgeted expenses in cash for emergencies.

He said: «Timing is cast in such a negative light by the press and this is reinforced by most planners.»

So this is a different view on the standard rule of thumb — which was usually 4 % for 30 years of retirement to slightly less these days according to most planners.

Most planners would agree that a withdrawal rate of four percent to five percent per year is probably the upper limit of their comfort zone.

Most planners will tell you that there is no magic number, and they are right.

I was surprised to learn that most planners are now advising to shift investment strategies towards U.S. equities and bonds have deeply fallen out of favor.

Most planners are familiar with the 4 % safe withdrawal rate research, first established by Bill Bengen in 1994 and based upon a 30 - year time horizon.

Most planners either charge a flat fee (fee based), or a percentage of the assets under management.

Most planners with any credibility will use a 3 % real return when doing financial planning.