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Michael Lonier, RMA

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Blog Posts

OK, I’m In—How Do I Know When to Get Out? (in Ramsey Patch)

The question is not “when do I get out?” but “do I have a sound plan for being in the market?” in the first place.

All Time High—Is the Market Half-Full or Half-Empty? (in Ramsey Patch)

How best to get into the market without getting burned (again)? What matters is the compound annual growth of your whole balanced portfolio.

The 4% rule—Three Cautions (in Ramsey Patch)

For those who have their income floor well-covered, here are three cautions to keep in mind if you want to use the 4% rule as part of your retirement income strategy.

Three Strategies for Creating Retirement Income, Part Two (in Ramsey Patch)

Your number one retirement goal is to support your lifestyle without the risk of running out of money!

Three Strategies for Creating Retirement Income, Part One (in Ramsey Patch)

How can you know if your retirement income strategy will last for the rest of your life?

Is Your Advisor Setting Strategy or Selling You Product? (in Ramsey Patch)

There are 900,000 financial advisors in America. Why is it so hard to get good advice?

Individual Risk and Your Lifetime Financial Plan (in Ramsey Patch)

Two individual risks of chance are at the core of retirement planning—longevity risk and healthcare expense risk.

Managing Risk within Your Lifetime Financial Plan

We become more vulnerable in retirement primarily because once retired, we are no longer earning an income from employment that can, over time, offset the financial setbacks we may suffer.

The World History of GDP

In a time of tumult and change, some long term perspective...

Managing a Lifetime of Risk, Or How I Learned to Stop Worrying and Love Retirement (in Ramsey Patch)

A wide range of risks threatens the success of your lifetime financial plan. Managing those risks is as important to your goals as managing your career, your savings, expenses, and investments.