Lifecycle Financial Planning: Distribution Planning - Theories & Concepts

Overview

While lots of attention is given by financial advisors and the media to saving for retirement, there is much less focus given to distribution planning. Those that enter into the retirement phase feel vulnerable, since the portfolio is often their only source of income. As advisors, we are often tasked with answering questions around how to make the portfolio last and what changes we need to make based on market conditions. In this course, we will explore theories and strategies around distribution planning. We will discuss academic research that has been done concerning safe withdrawal rates and retirement consumption, in order to figure out how these topics influence portfolio composition. We will also discuss where this research could be modified to adapt to the varying needs of different retirees.

Highlights

• Safe Withdrawal Rate Research (SWR)
• Adjustments to SWR and the Effects on Portfolio Sustainability
• Reverse Glide Path Theory
• Retirement Consumption Patterns
• Practical Applications of Distribution Research & the IPS
• Application of Concepts to Behavioral Biases & Client Risk Profiles

Prerequisites

Fundamental understanding of portfolio composition and client risk factors.

Designed For

Tax practitioners and financial advisors who want a better understanding of theories and strategies on distribution planning.

Objectives

• Recognize the effects of distribution planning on the portfolio.
• Recognize the implications of safe withdrawal research on distribution planning.
• Identify how distribution planning informs portfolio composition.

Preparation

None

Notice

This is a self-study/on demand course offered by a 3rd party vendor. Course access information will be emailed directly to you by Peters Professional Education (PPE). The course expires one year from the purchase date.