Mark Schwarzmann

Spring is a time to refresh, and there is no bigger need for a refreshing perspective than your retirement plan. The thing is, there are so many variables, where should you begin. Today we will give you a few ideas on ways to tackle this monumental, yet vital bit of spring cleaning. No doubt it is not a once and done exercise, but making some headway will clear your mind for Summer.

Refreshing Perspective on the economy
Any review of your retirement plan necessarily begins with an assessment of economic conditions. Here are some perspectives to consider.
The US yield curve is moving toward inversion. The indicator with an almost perfect record of predicting US recessions is edging towards a tipping point
Global debt levels are at record highs. That is a drag on growth and limits central banks ability to respond to recessions. World Debt Hits Record $164 Trillion
Cut through the noise and decide for yourself what an appropriate withdrawal rate will be. What’s a Sustainable Withdrawal Rate for a Retirement Portfolio?
Then there’s the fact that the stock and bond markets have done really well for a long time. It sure feels like 1987
Don’t forget, there is always a different opinion when it comes to the economy and markets. Chris Ciovacco makes a pretty good bullish case. Volatility: Reasonable Expectations and Tariffs May Not Slow Profit Momentum

Refreshing Perspective on retirement planning
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Here are some helpful tips so you don’t forget something important. 12 Retirement Investment Factors That are Frequently Overlooked
We have talked about this before, but don’t forget healthcare. RBC Report Finds Investors Misjudge Costs of Health Care in Retirement
Depending upon how complex your retirement planning is you may consider DIY. If You Download These 5 Apps, You Probably Don’t Need a Financial Advisor

Refreshing Perspective, ideas for today’s markets
No matter what your planning stage for retirement, you will need to consider ways to protect your portfolio. Here are some ideas to consider.
Even absent a major correction, as volatility has returned to markets it needs your consideration. 3 Strategies for Managing Higher Volatility
If you want to get sophisticated in your tactics, you may consider these ideas from Charles Schwab. Portfolio Protection Using Stock Index Futures and Options
Here is a suggestion you will not see often, but it comes from Roger Ibbotson, a well-respected voice in the industry. De-Risking with Bonds can be Risky: Accumulation Index Annuities Could be an Answer