Dan Bortolotti

How do you estimate investment returns?

One of the important challenges in retirement planning is deciding what values to use for the expected returns of stocks and bonds. Everyone likes to talk about investment returns, so these numbers are likely going to capture the interest of clients. That means you’d better ensure your numbers are reasonable.

By Dan Bortolotti |July 15, 2014

3 min read

Planning and Advice

Why retirees shouldn’t focus on income investing

As investors approach retirement, many will ask their advisors whether it’s time to change strategies to focus on dividends and other income-generating investments. It’s easy to see why they feel compelled to switch gears once they are no longer in the accumulation stage. But problems can arise when retirees base their investment decisions primarily on yield rather than looking at the big picture. Here are three reasons to focus on a retiree’s total return rather than current income.

By Dan Bortolotti |May 27, 2014

3 min read

Planning and Advice

How does a pension affect a client’s asset mix?

No one would consider a defined-benefit pension to be a retirement problem. But when a significant slice of an investor’s retirement income will come from a DB plan, it can be a challenge to decide on the right asset allocation for the client’s personal portfolio.

By Dan Bortolotti |April 1, 2014

2 min read