321 Spend To The End

Sound Retirement Planning Podcast

In this podcast episode Jason answers a listener question about making adjustments to the 4% withdrawal rule based on your age.  When is the 4% withdrawal rule applied?  Should you make an adjustment to the 4% withdrawal rule based on your age at retirement? Below are the articles and resources mentioned in this episode: Retirement […]

320 Is It Worth It?

Sound Retirement Planning Podcast

In this episode Jason looks at the fees you pay for investing and the fees you pay for advice and asks “is it worth it?” Below are links to the research mentioned in this post. Canadian study:https://www.investmentexecutive.com/inside-track_/paul-bourque/canadian-investors-value-advice/ Vanguard Advisor Alpha:https://advisors.vanguard.com/iwe/pdf/ISGQVAA.pdf Morningstar Gamma:https://www.morningstar.com/content/dam/marketing/shared/research/foundational/677796-AlphaBetaGamma.pdf Envestnet PMC The Advisor Advantage:https://www.investpmc.com/insights/white-papers/capital-sigma-advisor-advantage Cost Matter Hypothesis:https://www.morningstar.com/articles/740544/the-cost-matters-hypothesis Should you hire a financial […]

319 Your FI#

Sound Retirement Planning Podcast

In this retirement podcast episode, Jason gives you the formulas you can use to determine if you have achieved financial independence. The formulas discussed are as follows: Your FI#Guaranteed annual income + 3.5% of your retirement assets divided by your essential expenses. Sound Retirement Income ScoreGuaranteed income divided by your essential expenses = Retirement Savings […]