Rob Williams | Source | Managing Director of Financial Planning at Charles Schwab
Rob Williams
Rob leads a research team that provides thought-leadership, research and commentary to Schwab clients and representatives on a range of wealth management topics, including goal-based planning, investment management, insurance and risk management, estate planning, fixed income investing, and retirement income and income planning. He writes and speaks on these topics in variety of forums, to Schwab clients, representatives, and advisors.
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Retirement is something people have worked for their whole life and they prepare for it, but often leading into retirement there's this sudden fear and uncertainty about preparation.
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If investors make sure they have the right mix of cash, high-quality bonds and stocks, the diversification can cushion any blows. What's more, taking these measures now means that retirees will have to worry less about selling investments down the road.
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Another option, known as "tapping principal," happens when investors look at rebalancing the portfolio with an eye toward selling investments to access some of their principal. Think of it instead as tapping all sources of return from your portfolio.
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Most retirees find retirement doesn't live up to their expectations
Fewer than 1 in 4 Americans think their current retirement lifestyle aligns with what they planned for their retirement to be, according to EBRI’s survey.
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Psst, millennials! Want an extra $830K in your 401(k)? Here's how
If you're middle-aged, would you like to more than double your 401(k) balance by retirement? If you're a millennial, how would you like an extra $830,000 in
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Americans were asked what it takes to be rich. Here's what they said.
Wealth can be an important yardstick because families with greater resources can tap their assets to buy a home, start a business, invest or help their children go to college — all steps that can, in turn, lead to more financial security. But the pandemic may have caused some Americans to reassess their views on money, with the result that some may have lowered their threshold for being rich, said Rob Williams, managing director at the Schwab Center for Financial Research.
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Charles Schwab
Managing Director of Financial Planning