The Greatest Risk to Retirement Success?

The greatest risk to retirement success? For most of us, it’s shortfall risk ‒ the chance that our savings will expire before we do. Shortfall risk typically arises from one or both of these shortcomings: (1) not taking the time and doing the work to study how much we might need, or (2) the lack

Continue Reading

Don’t Invest Like a Robot

When the team at Intelligent Capitalworks is getting to know a new client, one of our most important goals is understanding the person’s comfort level with investment risk. We ask them how they’d feel if the market were to go through a really bad downturn, possibly even a prolonged one. It’s not a theoretical question;

Continue Reading

Dividend Reinvestment is a Compounding Accelerator

Dividend Reinvestment is a Compounding Accelerator In last month’s commentary discussing the strengths of dividend growth stocks, we made the case that they should play a key part in a retirement income strategy. Of great importance, we note that dividend reinvestment is a compounding accelerator in this month’s commentary. Is dividend reinvesting compounding? The fact

Continue Reading

Investing in High-Quality Companies

Investing in High-Quality Companies At Intelligent Capitalworks, we believe that the key to long-term investment success is being a discriminating buyer and a patient owner of great businesses ‒ in other words, investing in high-quality companies at a fair price and owning them a long time. We didn’t invent this bit of wisdom ‒ it’s

Continue Reading

ABLE Accounts vs. Special Needs Trusts: Why Not Have It All?

If you have a child with disabilities, it is crucial to set money aside for the child’s future. At the same time, you need to consider your child’s access to public benefit programs such as Medicaid and Supplemental Security Income (SSI), as well as state benefit programs and state and federal taxation.  The two major

Continue Reading

The Perils and Pitfalls of Do-It-Yourself Special Needs Planning

Among the costs of caring for a dependent with special needs are the fees for professional advice. Some families are tempted to save on these costs by setting up a plan on their own. This can be attractive because so much information is available online, free of charge. Because low-cost platforms and templates abound, it

Continue Reading

For Success, Get Organized

There’s a great bumper sticker out there that reads: “Organized people are just too lazy to search for stuff.” The quip gave me a laugh when I saw it a couple of years back while sitting at a traffic light. To some of us, the idea of being organized seems humorously far-fetched – and more

Continue Reading

Social Security Claiming Strategy

Participating in the Social Security system may seem like a decision-free exercise: You pay in during your working years, and then you receive monthly payments when you retire. The fact is that you may have a fair bit of control over the amount and timing of the benefits you receive. First, your benefits are calculated

Continue Reading