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I am a CERTIFIED FINANCIAL PLANNER (TM) with over a decade of experience in working with high net-worth and ultra high net-worth clients transition into retirement. I have an expertise in investment, tax, estate and gift planning.

  • RMDs and the 4% Rule: Navigating Retirement Withdrawals
    Robert explains that RMDs, starting at 3.77%, apply only to part of a retiree's portfolio. He advises early planning with Roth IRA conversions and strategic withdrawals to mitigate tax impacts. While RMDs aren't typically a longevity threat, they can create tax challenges that require foresight.
  • Cash: A Strategic Asset in Recession-Proof Portfolios
    Robert highlights cash's role in offsetting losses and seizing opportunities. He notes, "Cash can be deployed at more attractive asset valuations." Rebalancing helps buy low, sell high, and strategic asset allocation often outperforms market-timing. Retail investors should focus on a plan-driven strategy for long-term success.
  • Retirement Emergency Funds: Expert Tips for Financial Security
    Robert advises using high yield savings accounts for emergency funds due to their liquidity. He suggests having a secondary backstop, like a HELOC, for immediate replenishment. Robert warns, “Your emergency fund probably shouldn't be half your portfolio,” emphasizing balanced retirement income planning to avoid jeopardizing other financial goals.