What is the Perennial Income Model?

We literally wrote the book on retirement income maximization and are constantly looking for new and better ways to maximize retirement income for our clients.

The Perennial Income Model is a common sense, goal oriented approach to investment management that is designed to help retirees manage short term income needs as well give them an opportunity to keep up with inflation throughout retirement.

Our Perennial Income Model matches the retiree’s investments with their future income needs.

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“Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria.” – John Templeton
“Far more money has been lost by investors preparing for correction, or trying to anticipate corrections, than has been lost in corrections themselves.” – Peter Lynch
“Investors should purchase stocks like they purchase groceries – not like they purchase perfume.” – Ben Graham
“I don’t believe in taking foolish chances, but nothing can be accomplished without taking any chance at all.” – Charles Lindbergh

The Reduction of Social Security Benefits

After years of partisan bickering and political conflict in Washington, Congress and the President have finally found something they could actually agree on…reducing Social Security benefits for future retirees…Thanks a lot. I’m already missing the good old days of government gridlock. As part of the budget deal to raise the U.S. debt limit, a change that will affect the financial future for millions of Americans, the government took away a key strategy that many couples have used for years to maximize their Social Security—the file and suspend strategy. The result is that many couples will miss out on tens of thousands of dollars in Social Security benefits. Without getting too deep into the trenches, I will attempt to explain how this works. The file and suspend strategy allows a person who is eligible for social security to have their spouse receive the spousal benefit and at the same time allow his/her benefit to continue to accrue delayed credits (8% per year). The rules state that for a spouse to receive a spousal benefit, the working spouse must first file for his or her own benefit. But Social Security also allows for the working spouse to suspend their benefit after they file. A suspension of benefits can only be done after the social security eligible spouse reaches full retirement age; age 66 in most cases. Thus the working spouse would file for benefits to enable the spouse to be eligible for benefits then they would immediately suspend their own benefit in order to continue to accrue delayed credits. So for example if Jill wants to start her spousal benefit before Jack... read more

Rearranging the Deck Chairs on the Titanic

The absolute, hands down, single most important determining factor in the success or failure of any investment plan is behavior of the investor himself.  No other determinate—or for that matter all other determinates combined—will impact a portfolio as much as investor behavior.

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