Financial Planning & Retirement Archives | Page 5 of 5 | The Fiduciary Group

An Asset Manager Embraces Financial Planning

October 2016  By: MALCOLM BUTLER, JD

I have been investing other people’s money for over 36 years. As most of my clients are either saving for retirement or living off of their retirement savings and/or trust accounts, my overriding goal has been to build durable, income-producing portfolios that will enable my clients to live off of the income from their investments during…

Read More

Primer on Individual Taxes

October 2016  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Tax planning to minimize tax liability and maximize after-tax returns starts with an understanding of Form 1040, the tax return filed annually by individual taxpayers. My goal in this article is to give the reader a “primer” on Form 1040 and the key considerations that will impact your tax liability. Status: The first thing you as…

Read More

How Much Do I Need for Retirement?

December 2015  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Legg Mason posed the question “how much do you need for retirement?” to a group of “mass affluent” investors (aged 40 – 75 with more than $200,000 in investable assets). Those surveyed said they would need at least $2.5 million to maintain their current standard of living. According to the Government Accountability Office (GAO), households…

Read More

Self-Funding A College Education


Funding a child’s or grandchild’s education is a high-priority savings goal for many families. This article will answer a few important questions: 1. How much will college cost? 2. How much do I need to save to fund the estimated expenses? 3. What types of accounts should I use to save for and pay for…

Read More

Rising Equity Glidepath in Retirement

January 2015  By: MALCOLM BUTLER, JD

Conventional wisdom in the investment advisory world has typically been that retirees should gradually reduce their equity exposure during retirement. One popular rule of thumb is that equity allocations should be annually rebalanced based on a formula of 100 less the retiree’s age. For example, a 70 year old retiree should have 30% equity (100-70)…

Read More

The Gen-X 401(k) Millionaire

October 2014  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Generation X—those born between 1965 and 1978—is known as the “401(k) generation.” They entered the workforce about the time that 401(k) plans were being introduced, and started their own retirement savings earlier than prior generations (the average age to start saving for retirement was 27). They highly value 401(k) plans as an important benefit, evidenced…

Read More

Advice to My Children


In our last newsletter, I wrote about the investment advice that I learned from my father. In this issue, I will pass on the investment advice that I would like to share with my three children in the hope that it might also benefit the children and grandchildren of some of our Fiduciary Group readers….

Read More

Coming Of Age During The Great Recession


The financial crisis and associated market volatility has caused a lot of people to lose confidence in the stock market. No group appears to have been more scarred by 2008, however, than the Millennials—the 21-36 year olds who “came of age” as investors over the last 10+ years. This chart tracks the S&P 500 index…

Read More