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Your “Number” equals the amount of assets needed to replace current income. What the “Number” represents, and how to determine your individual number will be discussed.

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The decision to retire is stressful, and indecision and overanalysis can paralyze pre-retirees. Don’t let Paralysis by Analysis ruin your retirement plans.

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Hopefully, everyone has contact with Mr. Smith during their lifetime!

Mr. Smith could be a relative, co-worker, neighbor, boss, teacher, or just a friend. Regardless of when and where you meet your Mr. Smith, it is one of those joyous times in life that you may not be aware of at the moment. A Mr. Smith will share some of life’s greatest truths if you only take the time to understand and absorb the message. 

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Many readers will remember the 1976 hit film Network and the statement “I’m as mad as hell and I’m not going to take this anymore!” which became a national mantra in 2009.

At some point, almost all of us begin to feel this way about working at a paid job. There is a multitude of reasons why this happens, but the number one reason seems to be a poor or toxic workplace culture.

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There is a children’s game called Twenty Questions. In this particular game, you must guess what the other person is thinking by asking twenty “yes” or “no” questions.

Unfortunately, trying to vet Financial Advisors requires a little more effort and information.

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There is probably nothing (Except poor personal money management) that costs the majority of uninformed clients more than poor advisory management. Even worse than a poor investment decision which normally affects an investor once, poor management hurts on an ongoing basis. 

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Temporal discounting is also the enemy of planning. Why plan for the future when it is of less value than the present? A solid and well thought out plan is a person’s best defense against Temporal Discounting and future disappointment upon retirement.

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One could come up with numerous “most important” pieces of information necessary to begin the retirement planning process. All of these “most important” pieces of information are not really that important if not placed in the proper context, are not understood, and are not properly utilized.

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As a Chartered Retirement Planning Counselor™ and long-time individual investor, I feel that I have a unique perspective! After much thought, research, and deliberation, I have ultimately condensed the problem to one of “ENOUGH.” 

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