Redo: Teaching Clients About Retirement Portfolio Distribution Versus Accumulation; Craig Israelsen’s Portfolio Design CE Course, February 2023
The way the performance statistics on ETFs, mutual funds, and indexes are reported assumes a lump sum investment and the sequence-of-returns does not matter.
In real life, however, retirement portfolios are not accumulated in a lump sum, and retirement portfolios are especially vulnerable in the withdrawal phase to a bad sequence of returns.
It is important for advisors to teach clients how their portfolios should be managed differently in the distribution phase of their retirement versus the accumulation phase. Toward that objective, particpants at this class learn why:
- broad diversification is more important during the distribution phase than during the accumulation phase
- withdrawing proportionately more from better-performing investments annually rebalances a portfolio
- withdrawing a set amount annually is not as smart as withdrawing a percentage of a portfolio’s balance
This course by Craig Israelsen, Ph.D., is a monthly reminder that keeps advisors focused on:
- the importance of diverse asset classes in a portfolio
- how to manage diversified portfolio in low-expense ETFs or funds
- how to illustrate key concepts to clients
- return and risk statistics of a core portfolio
Who should attend:
- Institutional Investment Plan Trustees
- Institutional Investment Consultants
- Investment Advisors
- Financial Planners
- Wealth Managers
- Financial Analysts
- Securities and Research Analysts
Craig L. Israelsen, Ph.D., has taught monthly on A4A for over a decade. He also contributes regularly to AAII Journal, one of the nation’s largest individual-investor-funded information resources with a history of intellectual integrity. Prof. Israelsen has taught about family financial management at universities and is currently Executive-in-Residence in the Financial Planning Program at Utah Valley University, teaching classes toward earning a CFA charter.
After registering, you will receive an email confirmation from This email address is being protected from spambots. You need JavaScript enabled to view it.. Check spam folder if you do not receive it.
This webinar is eligible for one hour of CE credit towards the CIMA® and CPWA® certifications, CFP® CE and PACE credit toward the CLU® and ChFC® designations, and live CPA CPE credit.
More than 50 hours of CFP® CE credit and more than 100 hours of Investments & Wealth Institute® credit on replays available 24/7 to paying members ($120 annually) of Advisors4Advisors.com. CPAs are eligible to receive CPE for attending live webinars only. To learn how to receive continuing professional education credit viewing webinar replays, please see our detailed instructions.
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Survived ;-)
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I'm always impressed by Craig's presentation. I have an increasing number of prospective clients, especially the DIYers, who are stumped in what to do when they're in retirement and want to withdraw from their portfolio in a tax-efficient way.
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Good presentation. It was unfortunate that the tech acted up late in the presentation. Craig did a good job despite the glitch. His insights are meaningful and significant to the thoughful financial planning professional.
