Jon Luskin interviews Dana Anspach about actionable advice for those planning retirement: asset allocation, bond ladders, annuities, and more.

Chapters:
0:00 Introductions
0:54 Tax mitigation strategies
3:12 Roth conversion planning
5:11 “Age in bonds” rule as opposed to asset/liability matching
7:43 Alternative assets
10:23 Proper plannign as a way to give more
11:55 Is a Vanguard target-date fund adequate for a retirement portfolio?
14:29 Story time! (Largest financial mistakes Dana has seen.)
16:56 Concentrated stock positions
18:30 Asset allocation for a retiree not spending from savings
21:33 Dana’s own retirement plan
24:55 Resources for researching annuities
26:51 MLPs in a retirement portfolio
28:28 Portfolio simplification: rip off the band-aid?
29:40 Best strategy for mitigating capital gains on highly appreciated stock
31:40 SPIA vs deferred annuity
33:43 Discussing assets with adult children
35:55 Bond ladders
37:24 Pros and cons of 401(k) rollover
40:22 What to do with stock with large capital loss
41:38 How to balance taxable/tax-deferred/Roth
43:02 Diversifying across multiple brokerage firms
44:23 Tax planning for premium tax credit

Recorded on October 14, 2023.

The complete Bogleheads 2023 Conference Proceedings can be found at

Bogleheads University 2023 is split into two tracks: Bogleheads 101 Investing Fundamentals and Bogleheads 501 Advanced Topics.

The Bogleheads University Courses can be found at Slides and transcripts are also available.

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Bogleheads® Conference 2023: Dana Anspach & Jon Luskin on Planning for Retirement

The Bogleheads® Conference, an annual event dedicated to promoting low-cost investing and financial planning, is set to feature Dana Anspach and Jon Luskin in a session on planning for retirement in 2023. Both Anspach and Luskin are respected financial planners known for their expertise in helping individuals navigate the complexities of retirement planning.

Anspach, the founder of Sensible Money, LLC, and author of “Control Your Retirement Destiny,” has been a proponent of the Boglehead investment philosophy since the early days of her career. Her practical approach to retirement planning and emphasis on long-term financial security has made her a trusted resource for pre-retirees and retirees alike.

Luskin, a Certified Financial Planner and founder of Define Financial, is known for his focus on holistic financial planning and personalized retirement strategies. He has a knack for breaking down complex financial concepts into simple, actionable steps, making him a sought-after advisor in the retirement planning community.

In their session at the Bogleheads® Conference, Anspach and Luskin will delve into the key considerations individuals need to address when preparing for retirement. From navigating Social Security and Medicare to managing retirement income and investment portfolios, the duo will provide attendees with insights and strategies to help them achieve financial security in their golden years.

Topics likely to be covered during the session include how to create a retirement budget, how to optimize Social Security benefits, the role of annuities in retirement income planning, tax-efficient withdrawal strategies, and the importance of healthcare and long-term care planning.

Attendees can also expect Anspach and Luskin to address the impact of rising healthcare costs, inflation, and market volatility on retirement planning. They will likely emphasize the need for a flexible and adaptive approach to retirement planning, given the ever-changing economic landscape.

Furthermore, Anspach and Luskin are expected to touch on the psychological and emotional aspects of retirement, including the transition from a savings mindset to a sustainable spending mindset. They will likely share insights on how individuals can find fulfillment and purpose in retirement beyond just financial considerations.

The Bogleheads® Conference 2023 is shaping up to be a must-attend event for anyone seeking practical, actionable guidance on retirement planning. With Dana Anspach and Jon Luskin leading a session on the topic, attendees can look forward to gaining valuable insights and strategies to help them navigate the complexities of retirement with confidence and peace of mind.