Let’s get a few ideas out into the open immediately — ideas that are at odds with most generally agree- upon principles of financial planning and of portfolio management. First, when your clients retire, they will need less capital than you may have been telling them. Second, their annual income needs will fluctuate along with their personal situation, with the economy, with age and with health. Third, they may live longer than you think. Fourth, recognize that financial models used … [Read more...]
About the Author
John's 26 years as an independent financial advisor and as managing principal of the RIA, The Renaissance Group LLC, offer the perspective of time and maturity. As both a CLU & ChFC, he has significant background in advanced insurance case analysis and implementation. Adventure travel coupled with time in more than 80 nations gives a global viewpoint to his experience. Giving back to his community is as important as helping clients become better stewards of their resources. John can be reached at 805-652-6948. Visit his website at www.rengroupllc.com.