McLean Asset Mgmt

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From 'buckets' to 'paychecks,' advisors explain portfolio tacks

Retirement portfolio strategies come in all shapes and sizes. They can be "lumpy," have buckets or look like a paycheck. Presenting the information …

3 tips to getting retirement right in your 20s

<i>I'm in my 20s and would like to start taking steps to ensure a secure retirement and financial future. But like many people in my generation I'm confused about where to start, who to contact and what to do. Can you point me in the right direction? --S.V.</i><p>I'm not surprised that you're confused. Now …

Would you consider an hourly-wage job in retirement?

<b>Dear Annie:</b> I read with interest your piece on whether Baby Boomers are too optimistic about when and how they’ll retire, because I certainly was. I …

Most Parents NOT Qualified to Teach Kids Financial Education

<b>Most Parents NOT Qualified to Teach Kids Financial Education, According to Some Experts</b><p>When the National Financial Educators Council recently asked a …

Charley Ellis: Why active managers extract value from the investment process - The Evidence-Based Investor

<i>For me, Charley Ellis is one of the investing world’s great consumer campions. In the mid-1970s, he became the first industry insider to acknowledge</i> …

This chart shows one of humanity's greatest modern accomplishments

If you've ever doubted that 2015 is the best time to be alive in human history to date, take a look at this chart:<p>In the 19th century, extreme poverty — defined here as living on less than $1.25 a day* — was the norm. In 1820, 94.4 percent of humans were below that line. Only a tiny fraction of the …

Income Inequality

The 'Safety First' Guide To Retirement Withdrawals

The oldest boomers are grappling with the toughest question in personal finance: How much can you safely withdraw from your savings every year without running out of money during retirement?<p>If you thought it was hard to figure out how much money to save for retirement during your working years and …

Many IRS Tax Return Due Dates Just Changed, FBARs Too

Is your IRS tax return due April 15? Yes, and that date still holds, including the 6 month automatic extension. But many other filing deadlines were just changed by Congress. The due dates for partnership and corporate tax returns were changed, and for those important foreign account FBAR forms, …

Why advisers should care that Nasdaq plans to tap into Bitcoin and its technology

Advisers may or may not think digital currency is worthwhile, but both cryptocurrency and the technology that powers it are slowly but surely …

How A Couple Of 'Frugal Weirdos' Are Saving 71% Of Their Income So They Can Retire At Age 33

What do you do when you’re fed up with your job and always living for the weekend?<p>If you’re this young Boston couple, you decide to save more than two thirds of your income so you can retire to a homestead in the woods of Vermont before your 35th birthdays.<p>Meet Mr. and Mrs. Frugalwoods, a software …

Personal Finance

Taking Risks That Make Sense - McLean Asset Management

Risk is one of those things that everyone talks about in investing, but no one truly understands. This is, in part, because it means something …

Longer lifespans demand rethink on 4 percent rule

<i>Originally published at Globe and Mail</i><p>By: IAN McGUGAN<p>The news on longevity is so good it hurts.<p>Call it the curse of success: Life expectancy in …

Social Security vs. long-term stock portfolios

<i>Originally published at MarketWatch</i><p>MarketWatch columnist and colleague Robert Powell recently shared an intriguing question with me from one of his …

Wade Pfau delves deeply into retirement income

<i>ThinkAdvisor recently published an article entitled, “What Makes an Advisor Blog Great?” among which was Retirement Researcher, which is run by</i> …

Evaluating Investments vs Insurance in Retirement

Retirement-income planning has emerged as a distinct field in the financial services profession. But because it is still relatively new, the best …

Thought Leadership Blog - McLean Asset Management

Deciding when to retire can be a nerve-wracking decision. You’ve spent the last few decades working toward, and preparing for, retirement. How do you …

Occam's - How Does the Situation in Greece Affect Me?

<b>WHAT IS OCCAM’S RAZOR?</b><p><i>Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be</i> …

10 Strategies for Drawing Down Savings in Retirement

By Ian McGugan<i><br>Globe and Mail</i><p>Accumulating wealth is a challenge. But “decumulating” it can be trickier still.<p>The problem is that you don’t know many …

Market Predictors: CAPE's Relationship to Stock Returns

<i>Originally published at Forbes</i><p>Market predictors have taken many forms over the years, but no formula or person has ever gotten it completely right. …

Valuation-Based Asset Allocation

<i>Originally published at Forbes</i><p>In my last post, I discussed the origins of the PE10 (a.k.a. cyclically-adjusted price-earnings ratio, or CAPE) and how …

Making the Right Decisions About an Inheritance

Dealing with an inheritance can be confusing and overwhelming. You may still be in mourning, yet you may also feel a sense of relief to have some …

What is an RMD?

<i>We get a lot of questions about retirement planning here at McLean. While the answers often depend on a person’s specific situation and planning</i> …

Are Financial Advisors Worth It?

<i>Originally published at Forbes</i><p>I am often asked whether it is worth the cost to hire a financial advisor. After all, they charge you money to make you …

Withdrawal Sequencing: Avoid the Pitfalls of Retirement

Withdrawing from your investment portfolio in retirement is like walking through a minefield. If you don’t take the right path, you’re going to take …

The Periodic Table Of Payments Startups

The 120 companies, VCs, corporate investors, and acquirers defining the payments industry.<p>Payments startups have been receiving a record amount of …

Your Banking Future And The Big Brother Fed

Manhattan, 2040: Alice wants to open an antiques store. Chelsea seems like a good location. She has to find 150 square meters to move the items that she has collected over the years, and to go on a tour of flea markets in Eastern Europe, her area of expertise. She needs to finance the imports. The …

The Hidden Weakness of Robos

The algorithms powering the world's automated investment platforms are going toe-to-toe over trillions of dollars of investment assets versus their …

How a Harvard Economist Screwed Up—and Then Saved—Her Retirement

Just because you have a Ph.D. in economics doesn't mean you know how to invest for retirement.<p>Alicia Munnell, the director of Boston College's Center …

Smart Way to Evaluate Active Investments

Since the performance of active and passive strategies runs in cycles, it's important to set clients' expectations.<p>Clients have been fleeing from …