Archive | December, 2016
a life changing lesson on loss

A life changing lesson on loss

The Lesson This past week a close friend of mine lost his mom.  She was in the hospital recovering from an illness, but her prognosis was good and the staff was ready to send her home.  A few hours later a blood clot took her life. In a tribute he wrote for her funeral, my […]

how spending changes throughout retirement

How spending changes throughout retirement

When planning for retirement, you need to make a lot of assumptions.  How long will you live?  What will your investment returns be?  How much income will you need?  When it comes to that last one, most people just estimate their first year of retirement expenses and then adjust that amount higher each year to […]