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Ken Steiner, Fellow of the Society of Actuaries, Retired, and Bobbie Kalben, Fellow of the Society of Actuaries, Retired are solely responsible for the opinions expressed in this website. Ken has been advocating the actuarial approach for determining reasonable spending budgets discussed in this website for over 10 years. Neither Ken nor Bobbie has expertise in asset investing or financial planning. Neither receives any direct or indirect compensation from visits to this website or from any activity associated with this blog.
As discussed in the original March 2010 article contained on this website, there are many risks associated with self-insuring your own retirement. The general process described in the February, 2014 article and sample spending calculators in this website are made available to you as self-help tools for your independent use and are not intended to provide investment or financial advice. As with all planning tools, the reasonableness of the results (in this case, your “annual spending budget”) is a function of the accuracy of the data and assumptions that you input. Since you control these items as well as investment of your accumulated savings and your actual spending, we can make no claims or guarantees that you will not outlive your accumulated savings or experience significant decreases in amounts that may be spent in a future year if you follow the process described in this website. We assume no responsibility for those individuals who may outlive their accumulated savings or who may otherwise become dissatisfied in any way (or believe that they have suffered financially) by following the process described in this website as compared with some other strategy. All articles and sample spending calculators on this website are provided purely for your educational purposes. You are encouraged to seek professional advice from qualified investment/financial professionals before committing to any retirement spending plan and should not simply rely on the results you may obtain with the process and sample spending calculators described in this website.