| 11 AM-12:15 PM (ET) |
Medicare Strategies For Advisors
Dr. Katy Votava, GOODCARE.com® founder
Healthcare is a major risk for retirement clients, and an often-missed opportunity for advisors to add significant value. When it comes to Medicare, planning opportunities range from investment strategies for reducing (or eliminating) Medicare surtax for higher earners to timing decisions for enrollment. Join Dr. Katy Votava, an expert in the economics of healthcare, as she explains practical strategies for advisors to navigate Medicare decisions for their clients.
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| 12:45-2 PM (ET) |
Longevity and Planning Opportunities
Rick Miller, PhD, CFP®, Sensible Financial founder and chief executive officer
To plan effectively for clients’ retirements, it is essential to have a sense of how long those retirements will be. Actuaries know a great deal about longevity – the success or failure of the insurance companies and pension funds they work for depends on the accuracy of their forecasts of how long their policy owners will live. This session will focus on actuarial data about longevity and the implications for clients. Join Rick Miller as he provides a guide using data and a case study so you can address length-of-life issues with your clients based on a deeper understanding of longevity and its variability.
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| 2:30-3:30 PM (ET) |
Strategies For Managing Sequence Of Return Risk In Retirement
Michael E. Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC, CASL, Pinnacle Advisory Group and Kitces.com
For long-term investors, the reality is that even if markets are volatile for a period of time, as long as the portfolio stays invested, returns can average out in the long run. In the case of retirees, however, ongoing spending withdrawals introduce the possibility that if the portfolio experiences weak returns early on, it could be depleted entirely before the good returns finally show up. As a result, retirees must consider this “sequence of returns” risk when planning for retirement, and strategies to manage it, from reducing spending in the first place, to engaging in more dynamic asset allocation to reduce risk exposure, or dynamic spending strategies to adapt spending withdrawals to market changes along the way! |