Discover the key principles to secure your retirement: determine the right amount for a cash reserve, set a practical withdrawal plan, avoid redundant exposure when merging products, and conduct an annual review of your strategy to endure market declines.
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Your membership encompasses:
- Access to a community of over 500 retirees on Mighty Networks for support and questions, ensuring you are never isolated.
- A downloadable retirement forecasting spreadsheet to keep your information safe on your device. Utilizes macros in Excel, requiring a valid Excel license.
- Support from retirement coaches. No tech expertise required—coaches can assist in utilizing the Excel tool, review your forecasts, and refine them.
- A continual educational hub featuring a monthly newsletter and videos. Delve into subjects such as tax reduction, budget enhancement, and stress testing retirement plans, created by a former financial planner.
- The Loopers’ Show—a monthly gathering with case studies, member discussions, and guest appearances!
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You Will Discover
Your “do-no-harm” principles
The straightforward rules that keep you focused: cut costs, limit strategies (2-3 max), and prioritize simplicity—especially in later years.
Cash wedge—correctly sized
Why you should hold approximately 3 years of the gap (the shortfall of your portfolio) instead of 3 years of all expenses, how to fund it, and replenish it after prosperous years.
Sustainable withdrawal policy
Embrace a total-return approach (liquidate a few units in favorable conditions, utilize the wedge in downturns) rather than pursuing high yields—plus how to add flexibility (5-6% with adjustments) without overwhelming the plan.
Purposeful fixed income
When GIC/bond ladders and preferred stocks are advantageous, when they aren’t, and how to avoid long-term instability from safety.
Preventing overlap & product overflow
Identify duplication when merging all-in-one ETFs with dividend ETFs or covered calls—achieve genuine diversification, not merely additional tickers.
Rebalancing & evaluations—yearly
Revitalize your strategy each year: refresh projections, rebalance targets, and confirm risk tolerance before the next downturn.
Taxes as a secondary consideration
A simple withdrawal sequence outperforms complicated strategies. Employ tax optimization to bolster a solid plan—not to add unnecessary complexity.
“Be the firm”
Reduce product fees, manage your income stream, and retain control over your finances.