McLean Asset Management

Understanding Fixed and Variable Expenses in Retirement

By McLean Asset Management / November 18, 2016 /

Not all retirement expenses are created equal. You can break them up in all sorts of different ways, but one of the most important ways is to look at fixed and variable expenses. By looking at your expenses in this way you can get a sense of just how flexible your spending can be. If…

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A Simple Way to Keep Your Portfolio in Line

By McLean Asset Management / October 27, 2016 /

Investing isn’t simply picking the best funds or building your perfect portfolio. Keeping your portfolio in line over the long term is just as important (if not more so). Markets move. That’s what they do. If they didn’t, they wouldn’t reflect our ever-changing world. As a result, your portfolio will drift over time from being…

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When Tax-Loss Harvesting Makes Sense (And When It Doesn’t)

By McLean Asset Management / October 25, 2016 /

The investing world is comprised primarily of uncontrollable factors like stock prices and tomorrow’s market movements. That’s why it’s so important to be aware of the areas you can control that can potentially put more money in your pocket. We often talk about controlling risk with tools like diversification and an evidence-based, or “passive,” investing…

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Three questions to evaluate longevity risk for retirees

By McLean Asset Management / August 23, 2016 /

Longevity risk—the risk of running out of assets before running out of time—is fundamental to retirement. We know about the distribution of longevity for the overall population, but an individual cannot know in advance precisely where he or she will fall in the distribution. The length of your retirement could be much shorter or longer…

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How Did Investors Survive the 1980s?

By McLean Asset Management / June 14, 2016 /

The following is an excerpt from our ebook, “Investing Through the Decades,” which you can download by clicking here. Throughout history, when bad news and events touched the daily lives of investors and caused nest eggs to shrink, it’s been natural to ask, “Is this the end of investing as we know it? Have new…

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Should I Stay or Should I Go? Housing Decisions in Retirement

By McLean Asset Management / February 1, 2016 /

A plan to meet housing needs is an important part of a retirement income strategy. A home provides an emotional anchor, providing daily comfort and shelter, memories, and nearness to friends and community. Homes are also a major source of wealth for retirees and near-retirees. Home equity provides between 45 and 75% of median household…

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What’s the Difference between Budgeting and Financial Planning?

By McLean Asset Management / September 8, 2015 / Comments Off on What’s the Difference between Budgeting and Financial Planning?

Everyone knows the story of the tortoise and the hare: A speedy hare ridicules a slow-moving tortoise until the tortoise proposes a race. The hare agrees, bolts past the tortoise and then, certain he’ll win, takes a nap break halfway through. The tortoise keeps on, slow and steady, and the hare awakes to find he’s…

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By McLean Asset Management / August 18, 2015 /

Tax loss harvesting can be an incredibly powerful way to reduce your tax bill and keep more money invested and working for you. Tax loss harvesting involves realizing losses from your investment portfolio that can be used to offset gains from your portfolio, or even your regular income. While many people don’t like the idea…

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Withdrawal sequencing: avoiding the pitfalls of retirement distribution order

By McLean Asset Management / August 3, 2015 /

Withdrawing from your investment portfolio in retirement is like walking through a minefield. If you don’t take the right path, you’re going to take a large tax hit. Most people don’t think about it, but your distribution strategy in retirement and the resulting taxes can have a significant impact on how long your money lasts…

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