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Subject:  Re: Help Dad with Retirement Date:  8/8/2013  6:47 PM
Author:  BruceCM Number:  72742 of 88063

You need to begin with his principal objectives. That is, what does he want these savings to ultimately do? The answer to this will determine what his investment allocation should look like.

From your comments, it sounds like he wants to preserve his capital right now. You mention he doesn't need the income now....will he need it in the future? Is he currently the beneficiary of an income trust or deferred comp that is delaying his need to drawdown his savings?

Which leads to my second point....his investments need to be looked at net of all forms of retirement income, including Social Security. Professional FP software, such as Money Tree or NaviPlan, do this. Its a cash flow analysis that is not as easy as it seems.

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