Income Reliability Over Portfolio Longevity: A New Standard for Advisors
Capital-intensive withdrawal strategies are obsolete. Modern financial planning demands purpose-driven, efficient solutions. Morningstar’s recent decision to lower its safe withdrawal rate from 4% to 3.7% isn’t a footnote — it’s a flashing warning light for financial professionals still building retirement income strategies around the portfolio longevity model. While the article “How’s Your Client’s Reliability of […]
Death, Taxes… and the 6 Silent Wealth Killers
DMI’s Exclusive Roth Blueprint Turns RMD Chaos Into Tax-Free Clarity We all know the two things no one escapes—death and taxes. But there’s a third beast lurking in your clients’ future, and it’s quietly feasting on their legacy: the six chain reactions triggered by Required Minimum Distributions (RMDs). And here’s the real kicker: most advisors […]
Understanding Taxable Equivalent Yield
When it comes to investing, a key consideration is the yield (or return) expected on investments. It’s important to understand that not all yields are created equal, especially when taxes are involved.