This destroys the "stocks are less risky in the long term" narrative. Something I never even thought about actually. I'm reading this paper, "Are Stocks Really Less Volatile in the Long Run?" by a couple professors. They make the argument that if stocks are actually...

Ben Johnson, CFP®, RLP®,AEP®,MS  Providing Clarity, Confidence, and Peace of Mind to your Financial Plan, so you can Enjoy Life Now and In the Future. October 21, 2025 In a world where innovation and complexity reign supreme, it’s easy to believe that the best...

Here's something that might surprise you: a portfolio that bounces up and down can actually be better for retirement than one that stays perfectly stable. Yes, even those scary down years can work in your favor. The Unexpected Power of Volatility Let's look at a real...

We need to tackle the big scary monster that lurks in every retirement conversation: long-term care costs. You've probably heard the frightening statistics. “The average cost of a nursing home varies significantly by location, but recent data from 2024 shows a...

I want  to revisit a huge issue that is often overlooked with Monte Carlo scenarios.  Remember, Monte Carlo’s provide a probability of success around three inputs, return expectations, volatility around those return expectations and inflation.  The problem here is...