WealthTrace Financial Planning & Retirement Planning Blog


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  • How To Model A Phased-In Retirement

    by Doug Carey | Mar 18, 2019
    Phased retirement, rather than traditional, stop-work-entirely-at-a-certain-date retirement, is a common way to ease into retirement. We discuss how to model it here.
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  • The Pros And Cons Of Using A Deferred Compensation Plan

    by Doug Carey | Mar 01, 2019
    Deferred compensation plans are becoming more popular for higher-income earners. These types of plan are non-qualified tax-deferred plans, which means that they are allowed to grow tax-free before the money is withdrawn. When the money is withdrawn, it is taxed at the owner’s income tax rate.
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  • Is This Early-Retired Family of Four On The Right Track?

    by Doug Carey | Feb 13, 2019
    Their story will be familiar to readers who have seen articles about FIRE. Young-ish people decide they want out of the "rat race," and take their journey public via a blog. They generously publish a lot of details about their financial life and their progress, along with pictures of what they're eating, travelogues, and workout routines.
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  • Beware Of High Dividend Yield Stocks

    by Doug Carey | Feb 04, 2019
    Since bond yields fell by more than half during the 2008/2009 financial meltdown and recession, many people in retirement sold their bond holdings and bought stocks with relatively high dividend yields, hoping to make up for the lost bond interest. But as a lot of investors have found out, dividends are not the same as bond interest, especially if we’re talking about treasury bonds.
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  • How Volatility Impacts Your Retirement Portfolio (And What To Do About It)

    by Doug Carey | Jan 18, 2019
    Volatility is back and it can really change your retirement situation. You've probably heard of Monte Carlo simulations. Some people don't like Monte Carlo because it mostly relies on the past just as so many other tools we use to forecast the future. We understand that concern, but we still like it as one of the tools in the toolbox.
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