McLean Asset Management

Review: Some People Have a Crazy Idea of What They Can Afford in Retirement

By McLean Asset Management / March 10, 2017 /

Figuring out how much you can safely spend from your investment portfolio in retirement is hard. It’s incredibly easy to make a bad decision, the consequences are severe, and you won’t even realize you’ve made a mistake until it’s too late to do anything. While there’s some debate about what a “true” safe withdrawal rate…

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The Essentials Of Bond Laddering For Retirement

By McLean Asset Management / March 6, 2017 /

Those seeking a do-it-yourself approach to duration matching with bond funds may underestimate the difficulty of the task. Duration-matching is not straightforward when shares of the bond fund must be sold to meet ongoing retirement expenses. If rates have risen, shares of the bond fund may need to be sold at a loss, with more…

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Guarding Retirees From Interest Rate Risk With The Help Of CoRI

By McLean Asset Management / March 6, 2017 /

Last time, we discussed how DFA’s target-date retirement income funds can help guard retirees from interest rate risk. Today, I want to look at another example of a bond fund used as a safeguard against interest rate risk: BlackRock’s series of CoRI Retirement Indices. The CoRI Retirement Indices are gauged to help retirees understand the cost of…

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What’s So Great About Fiduciary Advisors?

By McLean Asset Management / March 3, 2017 /

[vc_row type=”in_container” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/1″][vc_column_text]Working with a financial advisor is kind of like working with a counselor. There needs to be absolute trust and honesty between you in order for the relationship to work. If you don’t fully trust your counselor, or your counselor isn’t completely honest with you,…

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Review: Hedge fund hate: More cash likely to flow out again this year

By McLean Asset Management / March 3, 2017 /

It’s always fun to take a couple of swings at hedge funds (though it’s starting to feel like punching down lately). It looks like the outflows from hedge funds will continue in the coming year. Both because of performance (according to a survey referenced in the article, only 3% of managers and investors thought that hedge…

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Review: Should Millennials buy Snapchat stock?

By McLean Asset Management / March 3, 2017 /

IPOs are sexy. Or at least the ones that make the headlines are. They’re the hot new (huge) company, and now people can get their own little piece of them. Plus they’re usually bouncing all over the place, so they make great news. But that volatility that reporters love is also a reason that most investors…

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Using Target-Date Retirement Income Funds To Guard Against Interest Rate Risk In Retirement

By McLean Asset Management / February 27, 2017 /

Dimensional Fund Advisors (DFA) takes a more direct approach to immunizing retirement liabilities through their target-date retirement income funds. These funds provide a useful case study for understanding the role bond funds play in meeting retirement expenses. One of the defining distinctions for retirement income planning as opposed to traditional wealth management is that the…

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Using Reverse Mortgages In A Responsible Retirement Income Plan

By McLean Asset Management / February 27, 2017 /

Though reverse mortgages have long held a bad reputation, research and public policy in recent years are shedding new light on their potential uses in retirement. The vast majority of reverse mortgages in the United States are Home Equity Conversion Mortgage (HECM – commonly pronounced “heck-um”) reverse mortgages, which are regulated and insured through the…

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What Are Annuities?

By McLean Asset Management / February 23, 2017 /

Annuities are like financial power tools. In the right hands, they can help manage and stabilize your reliable income in retirement, but it’s also really easy to cut your fingers off if you don’t know what you’re doing. Think of annuities as contracts, in which you give someone money now in exchange for an income…

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