Speaking Inquiries

I am available for consultations, writing, teaching, and public speaking on retirement planning and retirement income strategies. Please feel free to contact me about this.


Sample Speaking Topics


Two Hour Sessions (shorter one hour versions also available)
  • Best Practices in Retirement Income Planning
  • Two Schools of Thought on Retirement Income
  • Asset Allocation in Retirement
  • Exploring the Underlying Assumptions of Safe Withdrawal Rates

One Hour Sessions
  • Sequence of Returns Risk in Retirement
  • Safe Savings Rates
  • The Efficient Frontier for Retirement Income
  • Reasonable Portfolio Return Assumptions for Retirees
  • Understanding and Using Monte Carlo Analysis
  • Retirement Income Distribution Management Frameworks
  • Pros and Cons of Retirement Income Tools from Fixed Annuities to Systematic Withdrawals
  • Role of Annuitization in a Retirement Portfolio
 
Selected Past Speaking Engagements


National Conferences: CFA Institute, Financial Planning Association, AICPA Advanced Personal Financial Planning, NAPFA, Academy of Financial Services , Retirement Income Industry Association

Media events: InvestmentNews Retirement Income Summit, Financial Advisor Retirement Symposium, MarketWatch panel discussion

Company events: CUNA Brokerage Services, LIMRA, Guardian, One America, Mercer Advisors, Northwestern Mutual

CFA, FPA & SoFSP local chapter  events: Albany, Central Mississippi, Des Moines, Edmonton, Ft. Lauderdale, Gulf States region, Houston, Los Angeles, Massachusetts, Minnesota, New Jersey, New York City, Philadelphia, Phoenix, Portland, Providence, San Francisco, Seattle, Southern California, St. Louis, Washington, DC

Universities: Texas Tech University, California Lutheran University, Iowa State University, IFID Centre, Stanford Center on Longevity

Webinars: Advisor Perspectives, Advisors4Advisors, First Protective Regional Study group, inStream Solutions, Watermark, McLean Asset Management, NAPFA, & Society of Financial Service Professionals (FSP)

Other: Insider's Forum, Retirement Management Executive Forum

2 comments:

  1. Wade,

    Would you consider discussing the pros and cons of leaving money in a 529 college saving plan as a long-term investment (paying the penalty upon eventual withdrawal) vs. withdrawing the money and paying the penalty now? Like many parents, with the stock market rise I now have over-funded 529 accounts for my college-age kids and need to decide what to do. If I take money out now and pay the income-tax and 10% penalty-tax, the subsequent growth of the funds will be of the traditional taxable account form. But if I leave the funds in the accounts for the next 30 years and let them grow tax-free, then all of that growth will be subject to income-tax and the 10% penalty. Doe the long-term tax deferral outweigh the income-tax (say, at 25% marginal rate) and 10% penalty?

    Thanks for considering this request.

    ReplyDelete
    Replies
    1. Hi, this is a good question.

      Ultimately, we have to know how the money will be invested (i.e. if it is all in bonds, then leaving it in the tax-deferred is surely better, but if it is in stocks, it becomes more complicated about losing the tax deferral but then having all gains taxed at income tax rates). It also depends on what tax bracket you are in now, versus later.

      If this money is invested conservatively and you expect to be in a lower tax bracket later, I probably wouldn't be in any rush to take it out now.

      The issue of the 10% penalty shouldn't have any impact on the decision, as this penalty will apply either way.

      Another possibility is to leave it in the 529 and then use it for grandchildren, if this is not otherwise money you may need for yourself. Or, is there any chance you might like to take some classes now or in retirement? Or, grad school for the kids?

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