Crucial Conversations: A New Retiree's Bear Market Risk

Crucial Conversations: A New Retiree's Bear Market Risk
Craig L. Israelsen, Ph.D.
7Twelve Portfolio
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CFP® - 1 credit
IMCA - 1 credit
Live CPA - 1 credit
Program Id: 803501531

Your clients and you face a growing risk: bad luck. When newly retired clients suffer a plunge in their portfolios for two or three years in row (aka a bear), it can break an investor's spirit, making it hard to stick with a sensible plan.

Even a retirement portfolio that suffers several years of losing or low returns soon after inception can recover and flourish -- as the last decade vividly illustrated.
This webinar deconstructs the math of sequential portfolio losses, imparting wisdom about a topic that becomes more relevant every month as the 110-month old expansion closes in on the 120-month record longest boom bracketing the 1990s. This is a crucial conversation for clients and advisors.

The objective is to increase your competency in quantifying a retirement portfolio's capacity for recovering and in explaining this risk to clients. Analyzing the 33 rolling 25-year periods over the last 57 years, Dr. Craig Israelsen, who has taught college and post-graduate classes on family financial management for three decades, teaches about:

the effect that variable sequence of returns has on a retirement portfolio's balance during the first five years of withdrawals
the capacity to recover fully
the final account balance after 25 years of withdrawals, in 33 rolling 25-year periods
the importance of a diversified portfolio with equity and fixed income during retirement

Craig Israelsen, Ph.D., for three decades, has helped define best practices for fiduciaries in managing low-expense portfolios, publishing his research monthly in Financial Planning magazine and teaching on A4A for many years.

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Craig L. Israelsen, Ph.D., provides A4A members monthly classes on low-expense investing. Craig's taught family financial management at universities for over two decades, and his research for practitioners has been published monthly in Financial Planning magazine since 1996. He's currently Executive-in-Residence in the Financial Planning Program at Utah Valley University. If you're paying a TAMP or custodian for managed portfolios, Craig's classes can lower your fees and enable a business model better for your clients and you. He has partnered with A4A and leads classes monthly.

Join Craig Israelsen for the 9th Annual 7Twelve Portfolio Conference Aboard the Norwegian Getaway!


This webinar is eligible for one hour of CE credit towards the CIMA® and CPWA® certifications, CFP® CE, 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 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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