The Household Balance Sheet in Turbulent Markets

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This topic contains 4 replies, has 4 voices, and was last updated by Profile photo of fg fg 8 months, 2 weeks ago.

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  • #3004
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    admin
    Keymaster

    The benefits of the household balance sheet approach to retirement planning.

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  • #5133
    Profile photo of fg
    fg
    Participant

    If you have not seen Marcia Wagner’s presentation at the Summer Conference, you can see it in the members-only area.

    You will be amazed to see how RIIA’s IP create the due-diligence framework for the DOL’s Fiduciary Rule.

    #4889
    Profile photo of fg
    fg
    Participant

    Interesting reactions to Ron’s data. See link below:

    http://riia-usa.org/webinar-replay-retirement-planning-and-health-care-findings-from-healthview-services-new-2016-retirement-health-care-costs-data-report/

    Using the present value of health care costs in the retirement balance sheet shows the intuitive benefit of comparing present values to observed values (market values) that one currently understand.

    Most seem to find Ron’s estimate of $250,000 to $300,000 present value of health care expenses over the retirement horizon in the retirement (age 65) balance sheet to be a higher number than they expected.

    What do you think?

    #4175
    Profile photo of Udo Frank
    Udo Frank
    Participant

    indeed; stress-testing the HHBS and the cash flow/income statement (income sources) to ensure the results fall within one’s comfort zone is the best way to allow sound sleep, no matter market turbulences

    #4167
    Profile photo of Francois Gadenne
    Francois Gadenne
    Participant

    HHBS analysis provides, among many other useful metrics, a measure of the client’s risk capacity.
    Risk capacity is measured in dollars.
    Questionnaire-based opinions about a client’s risk tolerance are among the inputs needed to justify how much more or how little of the risk capacity should be invested in risky-assets.

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