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Explore TAG Advisory Services’s latest blog posts, expert advice, news, and commentary.* Learn more about the features of our innovative blog here.

How financial advisers can retire well — instead of ‘dying at their desk’

Article Excerpt:
  Lack of succession planning is reaching crisis levels  

Need A Succession Plan? A Boston-Area Hybrid RIA Can TAG In

Article Excerpt:
  One Boston-area hybrid RIA believes it has cracked the succession planning code. Earlier this year, Trust Advisory Group, a $300 million AUM firm based in Woburn, Mass., launched “TAG 2.0,” a program designed to link aging independent advisors with smaller books of business with trained next-generation successors to allow them to transition out of their practice at their own pace. Succession plans remain a troubling blind spot for the financial industry – according to TD Ameritrade’s FA Insight People and Pay 2017 study, only 37% of RIAs reported having an adequate succession plan in place, and throughout the study’s...

Helping Advisors Mitigate Sequence-of-Returns Risk in Client Portfolios

In order to create income and liquidity, clients naturally begin selling off assets during retirement, which puts pressure on advisors to satisfy adequate return requirements with a dwindling asset base. But during a market downturn, selling off assets and making withdrawals when overall returns are down, especially early on in the investment time horizon, is the single most detrimental course of action one can take in the context of managing sequence risk. In other words, when clients retire during a period of economic prosperity, their asset base may grow large enough to withstand an economic downturn. Conversely, if clients retire...

“MONEY MATTERS” Podcast Episode with TAG’s William McCance

TAG Advisory Services's Insight

Trust Advisory Group's Bill McCance met with Christopher Hensley on a recent episode of the podcast "MONEY MATTERS" to discuss Fiduciary Standard Regulations and Succession Planning. Listen in as they talk about how a lack of uniform regulation could ultimately increase costs for clients.

Article Excerpt:
50 Fiduciary Standards for 50 States? How a lack of uniform regulation could ultimately increase costs for clients.  

Sequence of Returns Risk – How It Can Make or Break Your Retirement

TAG Advisory Services's Insight

A key concern of sequence risk is predicated on the fear that the economy will collapse at some time during the investor’s investment time horizon and impair their ability to meet their retirement goals. Because the impact of sequence risk is magnified by the economy’s condition and the amount that the investor withdraws each year, it’s critical that advisors are able to appropriately advise on how much a client is able to withdraw each year in dynamic economic environments and still be able to remain on track to meet his/her goals. In this article, the author evaluates portfolio returns under varying withdrawal levels and economic conditions.

Article Excerpt:
  Every day, roughly 10,000 American baby boomers reach retirement age. But are they financially ready for retirement?

How Does Sequence Risk Impact Your Retirement Money?

TAG Advisory Services's Insight

Retail investors have lately been demonstrating a preference for passive management instead of active management over the negative perception of management fees and their actual added value to investors. In light of this while also being cognizant of the fact that most clients have certain liquidity requirements for their portfolios, it is more important than ever for advisors to consider sequence risk in the context of active management and its impact on client portfolio returns. But what exactly is sequence risk, and what role does the economy play in magnifying the impact of such a risk? In this article, the author breaks down in layman’s terms the critical components of sequence risk for a retirement portfolio and discusses basic measures of mitigating this.

Article Excerpt:
With sequence risk, you may earn a lower return in retirement than you had planned. Here's how it impacts you in your retirement years.  

How Independent Financial Advisers Can Help Themselves to Retire

TAG Advisory Services's Insight

Read the original article by William McCance, President and CEO of TAG Group, Inc.

Article Excerpt:
With a good plan, the right people, and adequate time, retirement is possible.  

Tipping Point: Why Ken Fisher’s Lewd Remarks Matter

Article Excerpt:
A typical fireside chat at an event in October quickly turned into a firestorm after billionaire investment advisor Ken Fisher made crude remarks that have sparked a renewed discussion on the treatment of women in financial services.  

How to Battle Sequence-of-Returns Risk

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TAG Advisory Services's Insight

One of the most significant concerns that clients face is the risk of outliving their assets. There are many factors that play into this, such as how much can be withdrawn each year, the investment time horizon, what level of risk-adjusted returns are being targeted, etc., all of which are also a part of sequence risk. Given the uncertainty surrounding the economy and where it’s headed, advisors should be able to help clients evaluate each of these factors specific to their circumstances in a manner that minimizes impacts to their portfolios. In this article, the author examines four simple methods and products that investors can use to mitigate such risks.

Article Excerpt:
Retiring during the longest-running bull market in history can be scary, as some begin to wonder when the good times will end.  

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