Instructions
\nRead case application: Retirement Planning
\nAt the retirement planning meeting, Richard and Monica were in agreement that they were well short of the money they needed for retirement at Richard\u2019s age (65). Richard said he wanted to manage the investments and thought that savings outside the pension given current lower tax rates for capital gains and dividends made sense.
\nIn working out the capital needs analysis, it became apparent that there was need for an additional $17,000 of savings annually over what was previously calculated. The first reason had to do with a recent job development that resulted in a project ( help with nursing paper writing from experts with MSN & DNP degrees)ed moderation in Richard\u2019s raises in salary to a level 1\u20132 percentage points below the inflation rate and that made his job more risky. The second was the running of the total portfolio management approach, which indicated that the assumed investment rate needed to be lowered to 5 percent.
\nMonica thought that their tolerance for risk would have to be cut back. She said she would consider taking a full-time job if necessary. Monica thought they could downsize by selling their house and realizing an extra $100,000. She wondered what level of insurance she could afford and whether they should cut back on the amount. Richard didn\u2019t like that idea.
\nCase Application Questions:
\n1.\tWhat are Richard and Monica\u2019s alternatives in covering the shortfall in annual retirement savings? What are your recommendations?
\n2.\tWhat do you think of Monica\u2019s offer to take a job?
\n3.\tUnder the TPM approach, should the risky portion of their asset allocation be raised or lowered?
\n4.\tShould their insurance be raised or lowered?
\n5.\tDo you feel they should downsize their dwelling?
\n6.\tWhat are your recommendations for savings, investing, life insurance?
\n7.\tWhat kind of follow-up with the advisor would you recommend?
\n8.\tConstruct the retirement planning portion of the financial plan using your answers to the above questions.
\nRead Web Appendix D: Comprehensive Financial Plan\u2014Dan and Laura.<\/p>\n
Expectations:
\no\tHomework for this course consists of Case Applications related to the topic (sample nursing essay examples by the best nursing assignment writing service)s covered during the week. You have to read the case background and analyze the financial issues by answering case application questions assigned.
\no\tYou should demonstrate the ability to apply personal finance concepts, vocabulary, and models to analyze financial situations, synthesize the week\u2019s course material, and relate it to the case.
\no\tCase analysis should be substantive and insightful. Student should use assigned readings to support case analysis and use proper MLA in-text citations and works cited formatting where applicable.<\/p>\n
—————<\/p>\n
Instructions
\nRead case application: Retirement Planning<\/p>\n
At the retirement planning meeting, Richard and Monica were in agreement that they were well short of the money they needed for retirement at Richard\u2019s age (65). Richard said he wanted to manage the investments and thought that savings outside the pension given current lower tax rates for capital gains and dividends made sense.<\/p>\n
In working out the capital needs analysis, it became apparent that there was need for an additional $17,000 of savings annually over what was previously calculated. The first reason had to do with a recent job development that resulted in a project ( help with nursing paper writing from experts with MSN & DNP degrees)ed moderation in Richard\u2019s raises in salary to a level 1\u20132 percentage points below the inflation rate and that made his job more risky.<\/p>\n","protected":false},"excerpt":{"rendered":"
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