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 October 2014​

Cover Story

It Was 20 Years Ago Today

by Jonathan Guyton, CFP®
Twenty years after its original publication, leading planners and academic researchers share their thoughts on the impact Bill Bengen’s seminal “4 percent” paper has had on the planning profession.
CLICK HERE to read Bill Bengen's original 1994 article.

Practice Management

Retirement Planning by Targeting Safe Withdrawal Rates

by David M. Zolt, CFP®, EA, ASA, MAAA
This article provides withdrawal rates for a variety of scenarios from which advisers can select based on the desired probability of success.


Are Your Clients Making the Right Loan Choice?

by Ning Tang, Ph.D., and Timothy Lu, Ph.D.
Results of this research show that, under reasonable assumptions, households can save up to 130 percent of the loan cost by switching from high-cost loans to 401(k) loans.

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