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Bogue Asset Management’s Quarterly Investment Letter      

The global stock markets continued their climb in the first quarter of 2021.  Clearly it did not pay to get out of the markets last spring.  In this letter I will discuss what investment areas should continue to do well moving forward and talk about the return of inflation risk .........[See More]


How your advisor is compensated does matter.  Lately there has been a blurring of the lines with the use of the term “Fee-Based” to describe how one is compensated.  I’ll tell you why Fee-Based is not Fee-Only and the difference can be substantial: [See More]





Retirement Income Planning

Retirement Income Planning is creating a distribution strategy of your life savings once you retire.  This can include: 

- Defining how you are going to live the rest of your life and your cash flow needs after pension, Social Security and other income sources
- Establishing a retirement “safety net” to tap into when the financial markets are at lows. 
- Rollover strategies for your employer based retirement plans
- Determining the optimal time to take Social Security
- Determining the best pension payout choices and immediate annuity options
- Establishing a retirement paycheck system to provide for ongoing needs
- Determining your required rate of return in your investment strategy, the corresponding allocation of stocks, bonds and cash to meet this required return and if this is aligned with your tolerance for risk
- Adjusting the risk/return level of the portfolio; eliminating risk when not needed and only increasing risk if needed (ongoing client engagements)
- Maximizing the tax efficiency of withdrawals using taxable, tax-deferred and tax free investment accounts and resources
- Determining which asset class (or sub-class) to withdrawal based on current market conditions and valuations. 
- Determining the risk of long term care needs and if long term care insurance or other options are appropriate.
- Determining if a reverse mortgage is a viable option and the making optimal elections with the choices available