CPI-Adjusted COLAs In Retirement Income Distribution Portfolios; Craig Israelsen, June 2023

What's the best way to adjust the annual withdrawal from a retirement portfolio to account for inflation? Do you use an average inflation rate, such as 3%?  Or do you use the actual annual rate of inflation each year as that year’s COLA?   

This webinar reviews these two methods and the impact on average annual withdrawal, average ending balance after 25 years of withdrawals, and other metrics.

When inflation increases, clients will naturally ask about the feasibility of annual COLAs that are equivalent to the rate of inflation.  This webinar gives you specific guidance on both approaches and their different impacts on a retirement portfolio.

Craig Israelsen, Ph.D. , has taught classes to candidates for the CFA-charter and about family financial management, at the graduate and undergraduate level, at universities for three decades. His course on A4A since 2009 is well-suited to professional fiduciaries seeking to minimize investment expenses on a broadly diversified portfolio core.

Craig's classes on A4A are about:

• the importance of including diverse asset classes in portfolio construction
• how to manage a broad group of asset classes in a low-expense  
• how to illustrate key portfolio design concepts to clients
• return and risk statistics of a core portfolio invested for the long run     

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 been a regular contributor to Advisors4Advisors since April 2009, and has taught monthly on A4A for 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. Published monthly in Financial Planning magazine for 25 years, Craig has a documented history for providing a sustainable system for advisors to manage low-expense portfolios.

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This webinar is expected to be 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.