Jack Martin

The Wealth Manager’s Perfect Storm of Risk (Part 2)

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If you missed Part 1 of The Wealth Manager’s Perfect Storm of Risk, click here.

One of our biggest jobs as wealth managers is to protect our clients from unnecessary risk. The tools we use to diversify, allocate, rebalance and tax harvest have radically evolved in recent years.

In Part 1 of this blog series about risk, we talked about the “Perfect Storm” created by 3 intensifying risks that will impact your aging clientele’s retirement outcome:

  1. The 8-Year-Old Bull Market
  2. The End of the Bond Bull Market
  3. The Hidden Risks of Longevity

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Jack Martin

The Wealth Manager’s Perfect Storm of Risk (Part 1)

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This month the bull market marked its 8th anniversary. But as the Wall Street Journal reported March 8th, “Stocks Have Tripled Since Crisis, but Low Rates Are Still Squeezing Savers.”

Retirees have reacted to low interest rates by opting for higher-risk investment strategies, exposing themselves to volatility and sequence risk in an effort to make sure they don’t outlive their assets.

This week the Fed began to ratchet up rates. This might mark the end of the bull market in bonds. The Fed’s actions expose those retirees’ remaining fixed allocations to risks associated with rising rates.

And on top of sequence and interest rate risks, longevity risk may be the most difficult to communicate and manage.

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Jack Martin

Turn 4% Systematic Withdrawal Challenges Into New Clients

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Last week we hosted an extremely well received webinar featuring Warren Wall, CFP® and Dave Vick, advisor and noted author. Most of the webinar dealt with the challenges with using a 4% systematic withdrawal plan with your retiring clients (click here to watch a replay). Warren and Dave did an excellent job of explaining how they address key risks like sequence of returns and longevity. Dave’s ABC Planning Model is an excellent starting point for advisors who are transitioning into the RIA space. Many seasoned advisors on the webinar were impressed by how Retirement Alpha can help them achieve better outcomes for their clients.

 The question several attendees asked was: How do I turn this knowledge into new business?

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Jack Martin

The People Least Concerned About Outliving Their Savings May Be Most at Risk Financially

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For many of our clients, longevity risk causes a lot of heartburn and sleeplessness. As one advisor put it:

“It’s not that clients have a tangible lack of wealth – it’s that they have an intangible fear of outliving their assets.”

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Jack Martin

Leadership is the Best Marketing Strategy

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When 1/3 of the largest RIAs lost AUM in 2016, alarms should have gone off.

“In all, 11 of the top 25 firms on this year’s ranking shed assets. By comparison, just one firm in the top 25 did last year.” – RIA Leaders 2017: Is this decumulation? Financial-Planning.com, January 3, 2017

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Jack Martin

It’s a Process

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You hear top tier athletes and business people say it all the time: It’s a process. Now is your chance to go beyond credentials and master the process of fiduciary-based retirement planning. RIAs: Transform your business into a powerful magnet for ideal clients and meet ERISA Prudence and DOL Best Interest Standards.

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