Your Wealth Advisor - Canada
Wealth Management, GIC's, Pension Annuities, Worry Free Investments, Suitable & Appropriate Solutions For You
Risks & Risk Management
Find out why any amount of loss might become a permanent loss in a distribution portfolio, why efficient frontier, asset allocation, asset dedication, diversification, the concept of "long-term", Monte Carlo don't and can't work in a distribution portfolio as you might want to believe.
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Learn the concept of the "Zone Strategy" that will enable you to have lifelong income regardless of how much assets you have (well, within reason of course).
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Find out why the luck factor is the most important determinant of a distribution portfolio's success and how come the investor makes money only in 2.5% of the time, only during non-Gaussian market events.
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Jim Otar
Retirementoptimizer.com
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The Zone Strategy
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What you absolutely need to know. www.yourwealthadvisor.ca/zonestrategy.htmA Fresh Look
Posted at 12:12am on Sun, Aug 23 2009 -
Jim Otar and Jon Chevreau (Video) www.financialpost.com/video/index.html?category=Financial+Post&video=RObKVuR0GaESkSoT8BziQ95kF2EniNzhMyths of retirement CFP Jim Otar talks about his new book exposing myths of retirement
Posted at 8:33pm on Sat, Aug 22 2009 -
Good to Go? www.nationalpost.com/story.html?id=1918586Jim Otar & Jon Chevreau discuss retirement myths.
Posted at 8:41pm on Sat, Aug 22 2009 -
Get in the Zone www.yourwealthadvisor.ca/apps/webstore/products/show/779199What Zone are you in?
Posted at 9:04pm on Sat, Aug 22 2009 -
Wake-up call for Boomers www.nationalpost.com/story-printer.html?id=1917240Jim Otar with Jon Chevreau, Financial Post Wake-up call for Boomers Jonathan Chevreau, Financial Post
Posted at 6:58pm on Tue, Aug 25 2009 -
Unveiling the Retirement Myth with Jon Chevreau network.nationalpost.com/np/blogs/wealthyboomer/archive/2009/08/25/unveiling-the-retirement-myth-jim-otar-can-t-cope-with-downloads-of-his-controversial-new-book.aspxUnveiling the Retirement Myth: Author of a 525 page book on distribution-phase income planning, Jim Otar can barely cope with deluge of downloads of his controversial new book.
Posted at 7:10pm on Tue, Aug 25 2009 -
Offloading Risk to Insurance Companies (Video) www.financialpost.com/video/index.html?category=Financial+Post&video=IA1nh9__uHgdiLt8mYwYazBjdJAMlKDSJon Chevreau & author Jim Otar on why retirees need to offload risk to insurance companies
Posted at 4:51pm on Thu, Aug 27 2009
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Managing Risk in Retirement
The foundation of a sound retirement income plan.
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Sustainable Income www.retirementsolutionscentre.ca/en/product-allocation/who-is-income-wealthier.htmlIt isn't the investor with the most money who necessarily will have the most sustainable retirement nest egg. This illustrated case study will show some surprising results when we compare two very different financial scenarios and their ability to sustain their owners
Posted at 11:00am on Thu, Jul 02 2009 -
Part 2 www.retirementsolutionscentre.ca/en/Home/white_paper.htmlPosted at 11:02am on Thu, Jul 02 2009 -
Challenges www.retirementsolutionscentre.ca/en/Retirement_Challenges/retirement_challenges.htmlThe following challenges, unique to retirees, can determine financial success or failure in retirement establish whether or not an investor will be confident with their retirement plan Product Allocation
Posted at 11:05am on Thu, Jul 02 2009 -
Longevity risk www.retirementsolutionscentre.ca/en/opportunity/longevity.htmlCompared to previous generations, both male and female Canadians can expect to live longer, healthier lives. However, a longer life expectancy means extending the timeframe of retirement. Investors must plan for retirement income to last well into their 90s, otherwise they risk outliving their savings.
Posted at 11:08am on Thu, Jul 02 2009 -
Sequence of Return Risk www.retirementsolutionscentre.ca/en/Retirement_Challenges/volatility.htmlDuring retirement, the interplay between an investor's rate of withdrawal and the order or sequence that they receive their market returns can have a dramatic impact on their portfolio's ability to last. Poor returns early in retirement can spell financial disaster because the investment may not have the time required to fully recover.
Posted at 11:10am on Thu, Jul 02 2009 -
Retirement Risk Zone www.retirementsolutionscentre.ca/en/products/retirement-risks.htmlDuring retirement, the interplay between an investor's rate of withdrawal and the order or sequence that they receive their market returns can have a dramatic impact on their portfolio's ability to last. Poor returns early in retirement can spell financial disaster because the investment may not have the time required to fully recover.
Posted at 11:13am on Thu, Jul 02 2009 -
Market Volatility www.retirementsolutionscentre.ca/en/opportunity/market-volatility.htmlMarket Volatility
Posted at 8:15am on Thu, Nov 05 2009
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Retirement Income Planning
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You don't have a pension, then buy one! www.retirementsolutionscentre.ca/en/ProductAllocation/immediate_annuity.htmlNotice: I specifically do not endorse any GMWB product from any company. The product needs mork work and better features
Posted at 11:27am on Thu, Jul 02 2009 -
You need to manage your Wealth differently in retirement. www.retirementsolutionscentre.ca/en/ProductAllocation/asset_allocation_limits_.htmlNotice: I specifically do not endorse any GMWB product from any company. The product needs mork work and better features
Posted at 11:50am on Thu, Jul 02 2009 -
What's Your RSQ - Retirement Sustainability Quotient www.retirementsolutionscentre.ca/en/product-allocation/rsq.htmlPosted at 11:36pm on Thu, Jul 02 2009 -
Asset Allocation vs Product Allocation www.retirementsolutionscentre.ca/en/product-allocation/asset-vs-pa.htmlNotice: I specifically do not endorse any GMWB product from any company. The product needs mork work and better features
Posted at 11:39pm on Thu, Jul 02 2009 -
Product Allocation - Protecting you, from yourself www.retirementsolutionscentre.ca/en/ProductAllocation/gpa2_.htmlPosted at 11:42pm on Thu, Jul 02 2009 -
A Systematic Withdrawal Plan (SWP) is not enough. www.retirementsolutionscentre.ca/en/ProductAllocation/swp.htmlPosted at 8:41pm on Fri, Jul 03 2009 -
Try Your Luck. Spin the wheel and see for yourself. www.retirementsolutionscentre.ca/en/PlanningTools/sor.htmlSequence of Returns During the Retirement Risk Zone. The sequence of market returns impacts how long your retirement income will last. See for yourself!
Posted at 12:21am on Sat, Jul 25 2009 -
Retirement Preferences www.retirementsolutionscentre.ca/en/opportunity/retirement-preferences.htmlYour personal preferences with respect to liquidity, wealth transfer and most importantly your preference with respect to simplicity all are important. Within the realm of retirement planning, an investor's behavioral responses to market conditions, for example, moving in and out of the market, can greatly impact the success of a plan. In addition, a retiree may not wish to be actively involved in the market and may seek products that require less maintenance.
Posted at 7:05pm on Mon, Sep 28 2009 -
Income Annuities www.retirementsolutionscentre.ca/en/products/annuities-intro.htmlAnnuities
Posted at 8:19am on Thu, Nov 05 2009 -
Joint Life Annuities www.retirementsolutionscentre.ca/en/products/joint.htmlJoint Life Annuities
Posted at 8:21am on Thu, Nov 05 2009 -
Single Life Annuities www.retirementsolutionscentre.ca/en/products/single-life.htmlSingle Life Annuities
Posted at 8:23am on Thu, Nov 05 2009
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