How Much Do I Need for Retirement?

December 2015  By: JULIA BUTLER, CFP®, JD, MBA, CFEI
How Much Do I Need for Retirement?
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...

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Self-Funding A College Education

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

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Rising Equity Glidepath in Retirement

January 2015  By: MALCOLM BUTLER, JD
Rising Equity Glidepath in Retirement
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...

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The Gen-X 401(k) Millionaire

October 2014  By: JULIA BUTLER, CFP®, JD, MBA, CFEI
The Gen-X 401(k) Millionaire
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...

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Advice to My Children

July 2014  By: MALCOLM BUTLER, JD
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...

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Coming Of Age During The Great Recession

April 2014  By: JULIA BUTLER, CFP®, JD, MBA, CFEI
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...

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