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Retired couple relying on dividends for retirement income

What are the Risks of Relying on Dividends for Retirement Income?

What are the risks of relying on  dividends for retirement income? Like most things used in moderation there isn’t anything wrong with dividends, or the

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Two friends discussing a Roth IRA conversion ladder.

Roth Conversion Ladder: Tax-Efficiency in Early Retirement

What is a Roth conversion ladder and how can it help you fund early retirement? I’ve written before on the five year rules of Roth

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The Hellhound of Wall Street Ferdinand Pecora

The Hellhound of Wall Street – How Ferdinand Pecora’s Investigation of the Great Crash Forever Changed American Finance

The Hellhound of Wall Street – How Ferdinand Pecora’s Investigation of the Great Crash Forever Changed American Finance provides a narrative of the Senate hearings that

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Woman calculating 72(t) distribution

What is a 72(t) Distribution?

If you withdraw money from your tax-deferred IRA or 401k accounts before you turn 59.5 you will owe a 10% penalty in addition to income

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Women discussing How to Protect your Portfolio with Retirement "Guardrails"

How to Protect your Portfolio with Retirement “Guardrails”

How much can you spend in retirement without the risk of running out of money? That is arguably the key consideration of your retirement income

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Adaptive Markets book

Adaptive Markets

Adaptive Markets – Financial Evolution at the Speed of Thought by Andrew Lo is a deep dive into market theory. This book is not a

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Man Checking Asset Location

Asset Location is Important Too

That’s not a typo. While asset allocation is a common investment term, asset location is an often overlooked aspect of retirement planning. That is unfortunate

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Man sitting at a table thinking about inflations effect on his portfolio

Inflation’s Effect on Retirement Portfolios

Retirement income is inherently dependent on many different factors. This is true because retirement income planning involves accounting for unpredictable variables over a long time

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Woman calculating the five year rules

The Five Year Rules of Roth Distributions

Roth IRA’s are one of the most popular retirement accounts. Roth IRAs have many advantages over tax-deferred accounts, namely the ability to provide tax-free growth.

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morning coffee thinking about a bond ladder

Bond Ladder – Secure Retirement Income

A bond ladder is a useful tool for providing security in retirement. A bond ladder can protect your investments from volatility and provide you with

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How to Make Your Money Last

How to Make Your Money Last

In How to Make Your Money Last – The Indispensable Retirement Guide, Jane Bryant Quinn provides an excellent comprehensive overview of retirement planning. If you

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Bonds Chart

Bond Prices and Rising Interest Rates

Bonds are a common asset in retirement accounts. Whether held individually or through an ETF, most retirement accounts contain bonds. Bonds are most often held

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Man reading about "Are Social Security Benefits Taxed?"

Are Social Security Benefits Taxed?

Yes, but with a nod to Paul Harvey, there is a “rest of the story”. It isn’t as simple as adding your benefit check to

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Required Minimum Distributions

If you save for retirement using tax-deferred accounts then you need to understand the rules surrounding required minimum distributions (RMDs) in order to avoid some

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Couple discussing how to maximize retirement income with efficient retirement account withdrawals

Efficient Withdrawals to Maximize Retirement Income

The purpose of accumulating retirement savings with tax-advantaged retirement accounts is to withdraw an income that will last for the duration of your retired lifetime.

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4% rule of retirement income from nest egg

The 4% Rule of Retirement Income

The most commonly cited method of withdrawing retirement income from an investment portfolio is “the 4% rule”. This rule comes from a very popular study

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sequence of return risk calculation

Sequence of Returns Risk in Retirement

What is sequence of returns risk? We often think of investment return as an average rate over some period, such as 10, 15, or 20

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Implications of Tax Reform for Retirement Planning

Tax reform stirred up a lot of debate. Fortunately, the Tax Cuts and Jobs Act did not greatly modify the retirement savings vehicles that often

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6 Events that Can Interrupt your Retirement Plans and What You Can Do about it

C.S. Lewis said, “You are never too old to set a new goal, or dream a new dream.” Is it possible he could have known

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Is a Solo 401(k) Right for You?

As a self-employed solo entrepreneur, you need to save for retirement just like everyone else. However, you don’t have the benefit of a 401(k) retirement

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Brandon Renfro LLC (“Belonging Wealth Management”) is a registered investment adviser offering fee only advisory services in the State of Texas and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Brandon Renfro in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.All written content on this site is for information purposes only. Opinions expressed herein are solely those of Belonging Wealth Management, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.