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From the executive editor 执行主编的话
FINANCIAL PLANNING REVIEW Pub Date : 2024-06-27 DOI: 10.1002/cfp2.1188
Stephen M. Horan
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引用次数: 0
Optimal withdrawal frequency for sustainable retirement withdrawals 可持续退休取款的最佳取款频率
FINANCIAL PLANNING REVIEW Pub Date : 2024-05-15 DOI: 10.1002/cfp2.1183
Stephen M. Horan
{"title":"Optimal withdrawal frequency for sustainable retirement withdrawals","authors":"Stephen M. Horan","doi":"10.1002/cfp2.1183","DOIUrl":"10.1002/cfp2.1183","url":null,"abstract":"<p>Researchers have studied factors that influence the sustainability of retirement withdrawals (e.g., withdrawal rate, withdrawal rules, volatility, asset allocation, taxes, longevity) for 30 years. The frequency of withdrawal patterns (e.g., annual, quarterly, monthly) has escaped inquiry. This study uses Monte Carlo simulation to show that, despite intuitive reasons to believe that dividing retirement withdrawals into smaller amounts over more frequent intervals might control volatility or sequence of return risk, withdrawal frequency has no effect on retirement withdrawal sustainability. This result is robust to simulated markets characterized by: (1) a random walk, (2) simulated markets that are autocorrelated, (3) historical returns series randomly chosen from historical return records, and (4) historical returns in their original sequence. It also highlights factors (e.g., time in market, matching withdrawals to spending patterns, and maximizing optionality) that can enhance value or increase retiree utility.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/cfp2.1183","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140974538","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
U.S. Black adults' estate planning: The role of financial planner use, inheritance receipt, and life insurance ownership 美国黑人成年人的遗产规划：使用财务规划师、接受遗产和拥有人寿保险的作用
FINANCIAL PLANNING REVIEW Pub Date : 2024-04-02 DOI: 10.1002/cfp2.1181
Kimberly Watkins, Shinae L. Choi, Miranda Reiter, Megan McCoy, Shelitha Smodic, Cory Thompson, Kenneth White Jr, Bertranna Muruthi
{"title":"U.S. Black adults' estate planning: The role of financial planner use, inheritance receipt, and life insurance ownership","authors":"Kimberly Watkins,&nbsp;Shinae L. Choi,&nbsp;Miranda Reiter,&nbsp;Megan McCoy,&nbsp;Shelitha Smodic,&nbsp;Cory Thompson,&nbsp;Kenneth White Jr,&nbsp;Bertranna Muruthi","doi":"10.1002/cfp2.1181","DOIUrl":"10.1002/cfp2.1181","url":null,"abstract":"<p>While an emerging body of research has documented the significance of estate planning, there remains limited understanding regarding the extent of Black adults' engagement with estate planning in the United States. The objectives of this study were to examine whether the utilization of financial planners, the status of inheritance receipt, and religion are associated with engagement in estate planning among U.S. Black adults, and how these associations vary based on life insurance policy ownership. Participants for this study were 673 U.S. Black adults aged 25 and older who completed an online survey in July 2021. We estimated logistic regression models to predict Black adults' engagement in estate planning. Results indicated that in fully adjusted models, Black adults who used the services of a financial planner had significantly higher odds of executing a valid will or trust than those who did not seek assistance from a financial planner. The status of inheritance receipt, frequency of attendance at religious services, and ownership of life insurance policies were positively and significantly associated with engagement in estate planning among Black adults. However, as a moderator, patterns did not differ significantly depending on whether they owned life insurance policies. These findings may assist professionals and other stakeholders in financial planning to develop strategies or interventions to enhance estate planning for U.S. Black households.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/cfp2.1181","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140754749","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Dollar cost averaging and fair value dispersion 平均成本法和公允价值分散法
FINANCIAL PLANNING REVIEW Pub Date : 2024-03-29 DOI: 10.1002/cfp2.1182
Thomas J. O'Brien, Christopher D. Piros
{"title":"Dollar cost averaging and fair value dispersion","authors":"Thomas J. O'Brien,&nbsp;Christopher D. Piros","doi":"10.1002/cfp2.1182","DOIUrl":"https://doi.org/10.1002/cfp2.1182","url":null,"abstract":"<p>This study proposes a simple theoretical model to compare dollar cost averaging and buy-and-hold strategies for investors who perceive that equity's unobservable fair (intrinsic) value is symmetrically dispersed around the observable price. For reasonable model inputs, the study shows that if the fair value dispersion is relatively high, dollar cost averaging can be superior to a buy-and-hold strategy.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141488970","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
From the CEO 首席执行官的话
FINANCIAL PLANNING REVIEW Pub Date : 2024-03-21 DOI: 10.1002/cfp2.1179
Kevin R. Keller
{"title":"From the CEO","authors":"Kevin R. Keller","doi":"10.1002/cfp2.1179","DOIUrl":"https://doi.org/10.1002/cfp2.1179","url":null,"abstract":"","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140181719","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
From the Executive Editor 执行编辑的话
FINANCIAL PLANNING REVIEW Pub Date : 2024-03-21 DOI: 10.1002/cfp2.1180
Stephen M. Horan
{"title":"From the Executive Editor","authors":"Stephen M. Horan","doi":"10.1002/cfp2.1180","DOIUrl":"https://doi.org/10.1002/cfp2.1180","url":null,"abstract":"","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140181639","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
A Study on the Risk Factors involved in Investing in Equity Linked Securities (ELS) 股票挂钩证券（ELS）投资风险因素研究
FINANCIAL PLANNING REVIEW Pub Date : 2024-02-29 DOI: 10.36029/fpr.2024.02.17.1.71
Seunghee Lee
{"title":"A Study on the Risk Factors involved in Investing in Equity Linked Securities (ELS)","authors":"Seunghee Lee","doi":"10.36029/fpr.2024.02.17.1.71","DOIUrl":"https://doi.org/10.36029/fpr.2024.02.17.1.71","url":null,"abstract":"","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"2002 15","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140416349","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Way of life: A future research agenda for how worldviews impact financial attitudes and behaviors 生活方式：世界观如何影响财务态度和行为的未来研究议程
FINANCIAL PLANNING REVIEW Pub Date : 2024-01-24 DOI: 10.1002/cfp2.1177
Shane Enete, Sean McDowell
{"title":"Way of life: A future research agenda for how worldviews impact financial attitudes and behaviors","authors":"Shane Enete,&nbsp;Sean McDowell","doi":"10.1002/cfp2.1177","DOIUrl":"10.1002/cfp2.1177","url":null,"abstract":"<p>The purpose of this paper is to provide a future research agenda to study how worldviews impact financial attitudes and behaviors. In addition, this paper will help operationalize many of the constructs associated with an individual's values and personal worldview. As a result of this research agenda, researchers and financial planners will move towards developing personal value and worldview identification tools that will help individuals more intrinsically adopt savings goals that help meet their life goals.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/cfp2.1177","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139599606","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Human capital and pandemic-related stimulus usage 人力资本与大流行病相关刺激措施的使用
FINANCIAL PLANNING REVIEW Pub Date : 2024-01-24 DOI: 10.1002/cfp2.1178
Sabina Pandey, Michael A. Guillemette, Sarah D. Asebedo
{"title":"Human capital and pandemic-related stimulus usage","authors":"Sabina Pandey,&nbsp;Michael A. Guillemette,&nbsp;Sarah D. Asebedo","doi":"10.1002/cfp2.1178","DOIUrl":"10.1002/cfp2.1178","url":null,"abstract":"<p>Using nationally representative data from the 2021 National Financial Capability Study (NFCS), this study investigates the association between human capital, as proxied through education and objective financial knowledge, and stimulus payment usage for spending, debt repayment, savings, and investments during the COVID-19 pandemic. The results from a sample of 23,344 observations suggest that human capital relates to differences in how people used their COVID-19 stimulus payments. In particular, the study found that human capital is associated positively with using stimulus payments to add to savings or invest in the stock market.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"7 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/cfp2.1178","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139600379","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Optimal decisions under price dynamics for Roth conversions 罗斯转换价格动态下的最优决策
FINANCIAL PLANNING REVIEW Pub Date : 2023-12-26 DOI: 10.1002/cfp2.1174
James A. DiLellio, Philip M. Goldfeder, Edward F. McQuarrie
{"title":"Optimal decisions under price dynamics for Roth conversions","authors":"James A. DiLellio,&nbsp;Philip M. Goldfeder,&nbsp;Edward F. McQuarrie","doi":"10.1002/cfp2.1174","DOIUrl":"https://doi.org/10.1002/cfp2.1174","url":null,"abstract":"<p>Retirees are faced with a variety of choices during their working and retirement years on how to best support their retirement lifestyle and estate planning goals. One of these choices is the option to convert a portion of their pretax savings from a tax-deferred account (TDA) into a tax-exempt Roth account. In this article, we quantify the Roth conversion payoff and when/how it depends on investment returns. We show that, while the use of taxable account assets may produce a larger payoff than early withdrawals from the Roth IRA, large unrealized taxable account gains and estate plans may change this calculus. Our work provides a recommendation on how current dividends or cash versus appreciated assets should be used to optimize Roth conversion payoffs, and informs FinTech companies and robo-advisors on how to best support this important option for millions of current and future retirees.</p>","PeriodicalId":100529,"journal":{"name":"FINANCIAL PLANNING REVIEW","volume":"6 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143253481","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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