The Cordant Blog

Five Myths About Landing a Good Job Later in Life [Infographic]

by Isaac Presley, CFA on April 25, 2017

Next week we will be hosting a webinar titled Accelerate Your Journey to Financial Independence where we expand on recent blog topic that proved to be quite popular (see How To Reduce Your Target Number and Retire Earlier). In the webinar, we'll look at the tremendous value of using supplemental income in retirement to create a shorter path to achieving financial independence.

With baby boomers more healthy and living longer than ever before, these "encore" or second careers are becoming increasingly common. In fact, a 65-year-old can now expect a lifespan of nearly twenty additional years—over five years longer than a 65-year-old in 1950.

These increases in health coupled with the shifts in the U.S. economy to service work and white color jobs and away from manufacturing jobs add up to an attractive opportunity for anyone nearing the traditional retirement age to bring in some supplemental income and, ultimately, get to financial independence earlier. Consider that:

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How to Generate a Paycheck in Retirement (or After Leaving Intel)

by Isaac Presley, CFA on August 30, 2016

For many retiring from Intel, or simply leaving to pursue other opportunities, one of their primary questions is: how do I get a paycheck now that it’s not coming from Intel? I still need to pay bills, buy groceries, etc., so, how do I fund my bank account?

For most, it means a transition from accumulating assets (contributing to the 401k, deferring income from bonuses, etc.) to supporting your spending from the portfolio you've built. Getting a paycheck from your investments can be done in two ways: 1) By spending investment income (interest and dividends) as you earn it—called an Income Approach or, 2) Through a rebalancing process on your broadly diversified portfolio—known as a Total Return Approach.

The Income Approach is simple to setup and execute but has significant drawbacks. Let’s find out what they are and learn the key to generating a paycheck from your investments via a Total Return approach.

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Life After Intel: An Interview with Intel Retiree Ben Manny

by Isaac Presley, CFA on May 26, 2016

As part of our ongoing “Life After Intel” webinar series, we’ve conducted several interviews with Intel retirees to draw on their insights and experiences making the transition from Intel and to learn more about what life looks like after this transition. 

Given the current situation at Intel, we know many are considering what life after Intel might look like for them, and they are looking for ways to make this transition happen. The following interview with 2006 Intel retiree, and current chairman of the Intel Retiree Organization Volunteer Committee, Ben Manny provides perspective from someone that has been in your shoes and offers some tips on making the most of retirement. 

For those looking for financial advice about this decision or simply wanting to be ready for the next opportunity (like Ben was), please get in touch with Cordant

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Understanding the Intel Pension Plan

by Isaac Presley, CFA on October 07, 2014

At Cordant, we work with number of corporate executives—especially the employees of Intel. As a result, we frequently receive questions regarding the Intel pension plan.

And for good reason—there are many factors to consider, and any pension plan can get complex. For many, it is one of the more difficult of corporate benefits to understand.

In this post, we aim to provide a general overview of pension plans and highlight a few specifics about the Intel plan. We will cover the following areas:

  • How pensions work
  • How benefits are calculated
  • Considerations when choosing between monthly income or lump-sum distribution
  • Recent changes to the Intel pension plan

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Maintaining your Investment Strategy in Retirement

by Isaac Presley, CFA on July 17, 2014

Previously on the Cordant blog, we discussed the importance of building an optimized portfolio in retirement. Taking an intentional approach to selecting and managing your assets is crucial to developing an effective investment strategy – particularly in retirement, when these decisions can have a significant impact on the amount you can prudently spend.

While building an optimized portfolio is important, it represents only half the battle when it comes to preserving your wealth in retirement. Once you’ve built a robust portfolio, it is equally important (if not more so) to stay disciplined with your investment strategy. Doing so can add tremendous value to your assets – allowing you to enjoy retirement with confidence in your financial plan.

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How to Select & Manage your Assets in Retirement

by Isaac Presley, CFA on July 01, 2014

Preserving your quality of life in retirement is no simple task. It requires not only a holistic approach to your overall wealth management, but also a deliberate focus on building an optimized portfolio. Being intentional with your investment decisions can add tremendous value to your portfolio in retirement.

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