Abraham Okusanya
Abraham is the Founder and CEO of Timelineapp. He has authored the Beyond the 4% rule book, written several industry papers and delivered many talks. He holds a master’s degree from Coventry University and an alphabet soup of designations, including the Investment Management Certificate, Chartered Financial Planner and Chartered Wealth Manager.
Part 2:  Adviser Tech Integration: Open vs Closed
Article
Thu, Aug 6, 2020

Part 2: Adviser Tech Integration: Open vs Closed

In part two of our blog, we address how we fix the UK adviser technology landscape problem. If you enjoyed part one, on adviser tech integration, we think you’ll find this interesting!
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Part 1: Advice Tech Integration: Open vs Closed
Article
Tue, Aug 4, 2020

Part 1: Advice Tech Integration: Open vs Closed

In part 1 of this blog series, Abraham ponders on the sorry state of adviser technology in today’s market.
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Timelineapp secures £1.8m funding round to meet global demand for next-gen retirement planning solutions
Announcements -   Article
Wed, Jul 22, 2020

Timelineapp secures £1.8m funding round to meet global demand for next-gen retirement planning solutions

Timelineapp, the next-generation retirement income software, has secured £1.8 million in funding, in a round which included global platform-as-a-service provider FNZ becoming a non-controlling minority investor.
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Timeline Announces Decumulation Survey Results
Announcements
Tue, Jun 30, 2020

Timeline Announces Decumulation Survey Results

We’re excited to be sharing with you the results from Timelineapp’s annual decumulation survey.
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Timeline Announces Integration with Seven Investment Management
Announcements
Thu, Jun 18, 2020

Timeline Announces Integration with Seven Investment Management

The Integration will deliver a seamless digital retirement experience for 7IM Advisers. Read the full press release here.
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Timelineapp Announces New US Tax Feature
Announcements -   New Feature
Tue, Jun 9, 2020

Timelineapp Announces New US Tax Feature

We're excited to launch Timelineapp's new US Tax Feature.
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Don’t just take our word for it - Hear it directly from Financial Planners
Case Studies
Thu, Jun 4, 2020

Don’t just take our word for it - Hear it directly from Financial Planners

Hear directly from Financial Planners on why they love Timelineapp.
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Putting Natural Yield Retirement Income to The Test
Article
Tue, Jun 2, 2020

Putting Natural Yield Retirement Income to The Test

The global lockdown continues to throw up important lessons. In particular, it's a useful time to test one's thesis about investing and retirement planning. I've always thought that a good retirement strategy should hold up, not just in good times, but especially in bad times.
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Cash Buffers, Sustainable Withdrawal and Bear Markets
Article
Tue, May 19, 2020

Cash Buffers, Sustainable Withdrawal and Bear Markets

The current bear market has rekindled the age old debate about the role of cash buffers in retirement portfolios. Read our latest blog.
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Lockdown Lessons: Retirement Dry Run
Article
Tue, May 12, 2020

Lockdown Lessons: Retirement Dry Run

Is the lockdown a dry run for retirement, spending essential income only? Read our latest blog by our CEO Abraham Okusanya as he explains what we can learn from this retirement dry run.
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Timeline's Scaled Income Feature
Article
Tue, Mar 17, 2020

Timeline's Scaled Income Feature

So one common question we get asked about Timeline, by users is how do I change the client's income for different phases of retirement. So there are several reasons why you might want to change the withdrawals that the client is taking from their portfolio.
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Introducing Timelineapp's Livetrack Feature
Announcements
Mon, Feb 17, 2020

Introducing Timelineapp's Livetrack Feature

Livetrack is the first in a series of game-changing features that Timeline will announce this year that will completely transform the relationship between the end client and his/her financial planner.
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Introducing Timelineapp UK Income Tax Module
Thu, Feb 6, 2020

Introducing Timelineapp UK Income Tax Module

We're pleased to announce our new Income Tax Module feature.
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Timeline's Retirement Income Software Integrates with Redtail Technology
Announcements
Tue, Jan 28, 2020

Timeline's Retirement Income Software Integrates with Redtail Technology

Our latest integration with Redtail Technology gives advisors the ability to easily import client data for efficient creation of sustainable retirement plans.
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Monte Carlo VS Historical
Article
Mon, Dec 16, 2019

Monte Carlo VS Historical

In a discussion between our Senior Quantitative Analyst, and Founder, we address some of the common questions and thoughts behind these two areas.
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Meet the team - Ignacio Gutierrez
Article
Fri, Dec 13, 2019

Meet the team - Ignacio Gutierrez

It's our last Meet the Team feature for 2019 and this month we're introducing our Chief Technical Officer, Ignacio.
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Timeline Retirement Income Software Integrates with Transact for Data Aggregation
Tue, Dec 10, 2019

Timeline Retirement Income Software Integrates with Transact for Data Aggregation

The integration gives financial advisers the ability to import data directly from Transact.
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PFS 2019 - What a great day!
Article
Thu, Dec 5, 2019

PFS 2019 - What a great day!

This years PFS conference was such a blast and we were so thrilled to see all of you who came to say hello.From the great response after our talk, through to hearing how you use Timeline, it was a great day and we thoroughly enjoyed ourselves.
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Millennials, are you thinking about your retirement?
Article
Wed, Nov 27, 2019

Millennials, are you thinking about your retirement?

With everything so accessible and easy to grab hold of, it's oh so easy to forget about what's important, especially when it comes to retirement, let alone saving.
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Breaking up the (value) chain - grab a seat at the PFS Conference
Wed, Nov 27, 2019

Breaking up the (value) chain - grab a seat at the PFS Conference

You can follow the conference by using #PFSFutureproof
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Meet the team - Georgios Bouzianis
Mon, Nov 25, 2019

Meet the team - Georgios Bouzianis

We're back with our Meet the Team feature. This month, we're introducing our Quantitative Analyst, Georgios.
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Case Study: How paraplanners at Manse Capital use Timeline for their retirement clients
Case Studies
Mon, Nov 18, 2019

Case Study: How paraplanners at Manse Capital use Timeline for their retirement clients

Manse Capital is an independent, fee-based financial planning business with over 20 years' experience. Find out how Manse Capital are using Timeline as part of their retirement conversations.
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Timeline heads to ACP's Annual Conference
Tue, Nov 12, 2019

Timeline heads to ACP's Annual Conference

Follow the conversation on social #ACP19
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Withdrawal Policy Statements
Tue, Nov 12, 2019

Withdrawal Policy Statements

Drawing on the studies from Richard Thaler to discuss the transformation within retirement savings.
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Timeline Wins Second Place at Money20/20 Startup Academy
Announcements
Wed, Nov 6, 2019

Timeline Wins Second Place at Money20/20 Startup Academy

Timeline won second place in the Startup Academy competition at the Money20/20 conference held on October 17-30th in Las Vegas.
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Timeline Integrates with Morningstar ByAllAccounts for Investment Data Aggregation
Wed, Oct 30, 2019

Timeline Integrates with Morningstar ByAllAccounts for Investment Data Aggregation

The integration gives advisors the ability to import data directly from all investment institutions in the US. Read more here!
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Meet Timeline’s team at Money2020 USA 2019
Fri, Oct 25, 2019

Meet Timeline’s team at Money2020 USA 2019

Timeline goes to Money2020 in Las Vegas
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Timeline announces integration with SS&C's Black Diamond® Wealth Platform
Tue, Oct 22, 2019

Timeline announces integration with SS&C's Black Diamond® Wealth Platform

We're excited to announce our integration with SS&C's Black Diamond® Wealth Platform. Read the full release here.
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We're delighted to announce the appointment of Michael Lightfoot as Chief Commercial Officer.
Mon, Oct 14, 2019

We're delighted to announce the appointment of Michael Lightfoot as Chief Commercial Officer.

Michael Lightfoot joins Timeline as Chief Commercial Officer. Read the full release here.
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Meet the Team - Jake Usher
Wed, Oct 9, 2019

Meet the Team - Jake Usher

Welcome to our newest feature: Meet the Team
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We're hiring: Tech Solution Consultant
Wed, Oct 9, 2019

We're hiring: Tech Solution Consultant

We're currently recruiting for a Tech Solution Consultant to join our team in Basildon, Essex.
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Retirement Income: Natural Yield AND Free Dividend Fallacy
Mon, Oct 7, 2019

Retirement Income: Natural Yield AND Free Dividend Fallacy

One common approach to managing retirement income is to rely on natural yield from one's portfolio. The goal of a natural yield approach is to mitigate sequence risk by relying exclusively on dividend/coupon income from the portfolio and so avoid selling down in poor market conditions. 
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How does Timeline differ from other cashflow tools?
Mon, Sep 30, 2019

How does Timeline differ from other cashflow tools?

It's much more than a traditional cashflow tool; here's how it compares with other UK modelling software.
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We're hiring: Technical Pensions Specialist
Announcements
Wed, Sep 25, 2019

We're hiring: Technical Pensions Specialist

Have a Diploma in Financial Planning and have a working knowledge of the UK tax, pensions and investment landscape. You might already work in financial services, as a paraplanner, financial services administrator etc… and are looking to use your knowledge in another area of the industry. Think you fit the bill, then read on!
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How Timeline helps advisers with regulatory compliance for income drawdown
Wed, Sep 25, 2019

How Timeline helps advisers with regulatory compliance for income drawdown

This short guide provides an overview of how Timeline's decumulation technology can support Retail Investment Advisers' (RIA) compliance with relevant regulations.
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Five things you didn't know about Timeline
Thu, Sep 19, 2019

Five things you didn't know about Timeline

Our latest blog covers five things you might not know about Timeline, but let's be honest you probably should!
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Timeline announces integration with Nucleus
Wed, Sep 11, 2019

Timeline announces integration with Nucleus

We're excited to announce our two-way integration with Nucleus.
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Timeline announces integration with Intelliflo's Intelligent Office
Announcements
Tue, Sep 10, 2019

Timeline announces integration with Intelliflo's Intelligent Office

We're thrilled to announce our two-way integration with Intelliflo.
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Goal Seek for Decumulation
Tue, Jul 16, 2019

Goal Seek for Decumulation

How much money can I take from my portfolio without running out? How long will my portfolio last in retirement? Given my asset allocation, how much would I need to sustain a given level of withdrawal in retirement. Do you frequently get these questions from your clients? We bet.
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Using Timeline with Voyant
Case Studies
Tue, Jul 9, 2019

Using Timeline with Voyant

‘How does Timeline work with Voyant?’ This is a question we get asked time and time again. We know many planners use both software. We totally get why. Voyant is a powerful cashflow planning software used by financial planners. Timeline illustrates and creates a sustainable withdrawal strategy for clients.
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Dynamic Longevity Assumptions in Retirement
Article
Mon, Jun 24, 2019

Dynamic Longevity Assumptions in Retirement

American writer Mark Twain was reported to have accurately predicted his own death. He apparently based his prediction on the astronomical phenomenon that marked his birth, the appearance of Halley's Comet. A year before his death, Twain said: 'I came in with Halley's Comet in 1835. It is coming again next year, and I expect to go out with it. It will be the greatest disappointment of my life if I don't go out with Halley's Comet. The Almighty has said, no doubt: "Now here are these two unaccountable freaks; they came in together, they must go out together.'
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Revisiting Capacity for Loss In Retirement
Article -   Case Studies
Mon, May 20, 2019

Revisiting Capacity for Loss In Retirement

There's a lot of confusion around assessing capacity for loss, particularly for clients drawing down their portfolio. Much of it stems from the fact that the Regulator doesn't really seem to know how it should be assessed. There appears to be two camps in this debacle. On one side, you have an ex-regulator, paraplanners and compliance consultants who seem to think that capacity for loss is the be-all and end-all. We’ll call them the ‘compliance camp’. On the other hand, you have financial planners at the coal face.
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How AUM Fees Affect Sustainable Withdrawal
Article -   Research
Mon, May 13, 2019

How AUM Fees Affect Sustainable Withdrawal

One of the great misconceptions about the Sustainable Withdrawal Rate (SWR) framework is how an adviser (and fund) fees affect withdrawals from a retirement portfolio. This analysis shows that 1%pa translates into around 6%-12% (UK) and 9%-13% (US) of the client's overall income and capital, depending on the scenario. A total fee of 2%pa wipes out around 13%-26% (UK) and 19%-28% (US) of the overall fund, depending on the scenario.
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Bengen’s 4% Rule Around The World
Research -   Case Studies
Mon, Apr 29, 2019

Bengen’s 4% Rule Around The World

How much can I draw from my retirement savings without running out of money? This is the 64-million-dollar question Bill Bengen attempted to answer in his seminal 1994 paper published in the Journal of Financial Planning.
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Retirement Income Plan For The Miggins II
Article -   Case Studies
Tue, Apr 23, 2019

Retirement Income Plan For The Miggins II

The Miggins are back. See here for details but the headline is John and Jo Miggins are 65, recently retired with £300k in their retirement pot and a house with no mortgage.
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Retirement Income Plan for The Miggins
Article -   Case Studies
Tue, Apr 2, 2019

Retirement Income Plan for The Miggins

John and Jo Miggins have worked hard all their lives. They saved as much as they could and now they’re ready to retire. They've paid off their mortgage and their home is worth £260k. Between them, they have £300k in their pension pots. And that’s it!
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Lessons from 119 years of capital market data
Article
Mon, Mar 25, 2019

Lessons from 119 years of capital market data

The latest Credit Suisse Global Investment Yearbook (excerpt here) compiled by Professor Elroy Dimson and his colleagues Paul Marsh and Mike Stanton, is a treasure trove of information. It covers asset class return and inflation in 26 different markets over the 119 years between 1900 and 2018.
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David Blanchett: Sustainable Withdrawal Rates: A Smart Alternative to Reducing Life Expectancy
Announcements
Wed, Dec 12, 2018

David Blanchett: Sustainable Withdrawal Rates: A Smart Alternative to Reducing Life Expectancy

Did you know that retirement costs more than double what it did 30 years ago?In this light-hearted video, David Blanchett's PhD, CFA, CFP shares his thoughts on what people can do about it.
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David Blanchett: Retirement crisis? What Retirement Crisis…?
Announcements
Tue, Dec 11, 2018

David Blanchett: Retirement crisis? What Retirement Crisis…?

In this video, David Blanchett PhD, CFA, CFP poses the question, is there a retirement crisis? Meaning, will everybody run out of money?
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David Blanchett: Sustainable Withdrawal Rate - A UK Perspective
Announcements
Wed, Nov 28, 2018

David Blanchett: Sustainable Withdrawal Rate - A UK Perspective

In this video, David Blanchett's PhD, CFA, CFP looks at how the now famous 4% rule developed.
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Retirement income options, happiness and a case of spurious correlation?
Research
Thu, Nov 22, 2018

Retirement income options, happiness and a case of spurious correlation?

A fascinating new paper by L&G titled Retirement Income Riddle: New perspectives on how we make financial choices and their impact on our well-being attempts to look at the relationship between happiness and the retirement income option that people choose.
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David Blanchett: The Grand Retirement Puzzle
Announcements
Tue, Nov 20, 2018

David Blanchett: The Grand Retirement Puzzle

This is the first in a three-part video series featuring David Blanchett, PhD, CFA, CFP., head of retirement research at Morningstar. David sets the scene for a fascinating discussion about the ‘grand puzzle’ as he calls it. In other words, how to come up with successful withdrawal strategies for UK retirees.
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Justin King: How to help a client avoid a one-way ticket to Geneva
Announcements
Thu, Aug 30, 2018

Justin King: How to help a client avoid a one-way ticket to Geneva

In this second video, Justin King APFS, CFP takes a light-hearted look at how he uses the Timelineapp to show clients quickly and visually how sustainable their retirement income plan is.
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Justin King on eternal optimism and why advice is an antidote to N.E.W.S*
Announcements
Wed, Aug 22, 2018

Justin King on eternal optimism and why advice is an antidote to N.E.W.S*

Welcome to the first of our three-part video series on retirement income planning conversations. The focus of this series is to demonstrate the real-life discussion that happens between a financial planner and their client to ensure their portfolio lasts a lifetime.
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Legacy & Sustainable Withdrawal In Retirement Portfolio
-   New Feature
Mon, Jul 2, 2018

Legacy & Sustainable Withdrawal In Retirement Portfolio

It's often said that the ideal retirement is one in which you spend your last penny on your last day on earth. The last cheque you write should be to the undertaker, and it should bounce.
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Battle plans, cashflow projections and retirement income planning
Article
Mon, Jun 25, 2018

Battle plans, cashflow projections and retirement income planning

In the early 1910s, the US military used maps of the Alsace-Lorraine and Champagne regions in France as part of its training programme. Critics however contested that it was spurious for the US Army to base their training on those areas rather than US territories, where they were more likely to fight a war. And so the military changed their training maps to ones on US soil. Then, around two years after the change was made, WW1 began and the US military was deployed to fight in Alsace-Lorraine!
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We're Hiring - Retirement Consultant
Announcements
Tue, Jun 12, 2018

We're Hiring - Retirement Consultant

We are on the lookout for a consultant for Timeline, the software for illustrating sustainable withdrawal strategies in retirement income portfolios. The software is used by advisers in 7 countries including the UK and the US.
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Timeline Completes Seed Funding Round
Announcements
Mon, Jun 11, 2018

Timeline Completes Seed Funding Round

Timeline, the sustainable withdrawal rate software created by Abraham Okusanya has raised a seed funding round from a group of private investors.
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Probabilistic Thinking and Retirement Income Planning
Research
Tue, May 29, 2018

Probabilistic Thinking and Retirement Income Planning

The fundamental question we’re trying to answer in retirement planning is this: will the money outlive the people or will the people outlive the money? The problem is we simply won’t know for sure until the event has happened, by which time it’s too late to plan.
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Ratcheting Rule: Mitigating the risk of dying with too much money
Tue, May 22, 2018

Ratcheting Rule: Mitigating the risk of dying with too much money

We spend a lot of time talking about the risk of running out of money in retirement. But one understated risk of spending conservatively in retirement is the risk of dying with too much money! Yes, that's a thing.
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Timeline Introduces Monte Carlo vs Historical Comparison for Sustainable Withdrawal Strategies
New Feature
Thu, Apr 19, 2018

Timeline Introduces Monte Carlo vs Historical Comparison for Sustainable Withdrawal Strategies

Timeline, the sustainable withdrawal rate software, has added a new feature that allows planners to compare Monte Carlo and historical simulations for withdrawal rate strategies.
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Timeline Goes to Chicago!
Announcements
Thu, Apr 19, 2018

Timeline Goes to Chicago!

On April 30th we'll be taking Timeline, the Sustainable Withdrawal Rate software to the Retirement Income Summit 2018 in Chicago! For two days, we'll be showing off the software to over 400 advisers from across the US!
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Longevity and Sustainable Withdrawal Rates
Mon, Jan 29, 2018

Longevity and Sustainable Withdrawal Rates

Often, withdrawal rate strategies are based on a fixed planning horizon. For example, a 30-year retirement horizon for a 65-year-old client....
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Sustainable Withdrawal for Different Phases Of Retirement
Mon, Dec 11, 2017

Sustainable Withdrawal for Different Phases Of Retirement

In this video, I illustrate the impact of scaling up/down income withdrawal from a portfolio at different phases of retirement.
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Guyton's inflation adjustment for sustainable withdrawal rate
Fri, Dec 8, 2017

Guyton's inflation adjustment for sustainable withdrawal rate

The assumption under Bengen's rule is that withdrawals are adjusted for inflation throughout retirement, regardless of portfolio performance. One of the rules proposed by financial planner Jonathan Guyton in his 2006 paper in the Journal of Financial Planning is to adjust withdrawals for inflation annually except in the years after a negative portfolio return....
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Sustainable withdrawal rate with cap and collar inflation adjustment
Mon, Nov 20, 2017

Sustainable withdrawal rate with cap and collar inflation adjustment

The assumption under Bengen's rule is that withdrawals are adjusted for inflation throughout retirement. This includes periods of double-digit inflation, for instance between 1915-1920 and most of the 1970s.
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Justin King: I'm an investor, get me out of here! Help clients survive the jungle with the power of five.
Article
Mon, Sep 11, 2017

Justin King: I'm an investor, get me out of here! Help clients survive the jungle with the power of five.

In this final video, Justin King APFS, CFP grapples with how on earth to stop clients from losing their nerve and bailing on their financial and retirement income plan when markets head south.
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Sustainable withdrawal but without adjusting for inflation?
Wed, Aug 9, 2017

Sustainable withdrawal but without adjusting for inflation?

The classical assumption for the sustainable withdrawal rate framework is that withdrawals are adjusted for inflation in £/$ terms, every single year until the retiree depletes their portfolio or dies!
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Actual Income Path For Sustainable Withdrawal Strategies
Sun, Jul 30, 2017

Actual Income Path For Sustainable Withdrawal Strategies

One important point that's often lost in translation in the discussion about sustainable withdrawal rate is the actual income path that a retiree can expect...
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Illustrating Sustainable Withdrawal For Different Phases of Retirement
New Feature
Wed, Jul 26, 2017

Illustrating Sustainable Withdrawal For Different Phases of Retirement

We're delighted to announce a new feature on Timeline which enables planners to illustrate the benefits of scaling up/down withdrawals at different phases of retirement
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 Portfolio Balance And Sustainable Withdrawal Rate
Tue, Jul 11, 2017

Portfolio Balance And Sustainable Withdrawal Rate

One aspect of the sustainable withdrawal framework that is often forgotten is the portfolio balance!
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What factors influence sustainable withdrawal rates?
Tue, Jun 27, 2017

What factors influence sustainable withdrawal rates?

When Bill Bengen originally coined the term 'Safe Withdrawal Rate' in his seminal article in 1994 Journal of Financial Planning, he made some crucial assumptions.
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Adding a new client to Timeline
Fri, Jun 23, 2017

Adding a new client to Timeline

2mins! That's how long it takes to set up a new client, create the asset allocation, input fees, and produce a withdrawal policy statement on Timeline!
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Illustrating Dynamic Withdrawal Strategies With Timeline
Tue, Jun 20, 2017

Illustrating Dynamic Withdrawal Strategies With Timeline

This video walks you through the dynamic withdrawal strategies available on Timeline, the sustainable withdrawal rate app. These withdrawal strategies can be broadly classified into 2 categories; inflation-adjustment and spending strategies.
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A video tour of Timeline, the sustainable withdrawal app
Mon, Jun 19, 2017

A video tour of Timeline, the sustainable withdrawal app

This video walks you through how to create a new client scenario of Timeline, the sustainable withdrawal rate app.
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Timeline introduces new feature for 'Withdrawal Policy Statement'
New Feature
Sat, Jun 17, 2017

Timeline introduces new feature for 'Withdrawal Policy Statement'

We are very pleased to let you know that we've now added the PDF report feature to Timeline, the sustainable withdrawal rate app. With this feature, financial planners can now produce a personalised Withdrawal Policy Statement for their clients at the click of a button! How cool is that?
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