The Chamberlin Group

It sounds like common sense: Spend your career accumulating assets as you bring in paychecks, then when it’s time to retire, start taking distributions from that nest egg. But what happens when those assets are put in jeopardy because of market volatility and economic uncertainty? Is there a way to help ensure your hard earned resources don’t run out while you still need them? 📺 Join Certified Financial Fiduciary Don Chamberlin for a discussion about adding a preservation stage to your plan, keeping the assets you’ll need in the nearer term safe while giving assets that can wait for longer-term distribution time to recover from downturns and instability. Tune in here⬇️ https://hubs.la/Q03gtJ5c0

Is income protection missing from your retirement plan? 🦺 Saving, then spending. That might sound like a common sense way to think about retirement planning. But with your assets tied to market trends, are you missing a third part of that formula? Tune in tomorrow to learn more! https://hubs.la/Q03g9zrH0

Chamberlin's new digital home: let's make retirement everything you've worked for. Check out more of our new website! Learn about why Chamberlin might be a great fit for you, who you might be working with, and what it's like to be a member of our team. All found in our brand new site below⬇️ https://hubs.la/Q03g7dms0

Happy #RetirementPlannerFriday! This week, we asked Certified Financial Fiduciary® and Holistic Planner Derrick Gibbs a few questions about his role at Chamberlin. Here’s what he had to say: Q: What is bucket planning, and why is this concept central to our mission here at Chamberlin? A: “At Chamberlin, we take a three-bucket approach to retirement planning. The goal behind bucket planning is to time-segment your money for different periods of your retirement. Your “now bucket” is for a one year or less timeframe, your “soon bucket” is going to be for years 2-12 or so, and then your “later bucket” would be for 13+ years. The strategy would be to take all your income from your “soon bucket,” while simultaneously allowing your “later bucket” assets to grow. As long as you're not taking money directly from the assets in your later bucket, you're not exposed to the number one risk in retirement: the sequence of returns risk. This is when you take money out of a depreciating portfolio in those years when the market might be down. Don came over from the broker-dealer side of finance in the early 2000s when the market was down, and one of the main reasons he decided to go the independent route and start Chamberlin in 2002 was to better protect his clients from a market downturn. We've been using the bucket plan to protect our clients’ money since then, and it really can be one of the most protective ways we know of to shield our clients’ income from market risk while still having a strategy for accumulation of assets over time.”🪣🪣🪣 Q: What is evidence-based investing in retirement planning and why is this concept central to our mission here at Chamberlin? A: “So with evidence-based investing, we have to talk about the three different ways of investing. A lot of people are familiar with two of them. The first one is the use of active funds — fund managers that are actively trying to beat Wall Street every single year. Then you have index funds, such as Vanguard funds. You know when you invest in an index fund, you're going to get the market return, minus the expenses inside of the fund. Dimensional Fund Advisors — we have an exclusive partnership with them — have analyzed academic research from 1926 until now. They’ve found that if you take an index fund with certain tilts towards small-cap companies and value companies, those funds actually tend to outperform other index funds over time. So you might not necessarily see a lot of changes or a lot of growth in the first couple years, but if you stick with a long-term approach with that strategy, your funds grow at a lower cost. You're also improving your tax efficiency, and you're picking up those additional incremental returns over time.”📊 #RetirementPlanning #FinancialPlanning #Retirement #BucketPlan #EvidenceBasedInvesting

April is the month when taxes are top of mind. But are taxes part of your retirement plan? 🤔 Tax laws and IRS rules change frequently, but there are strategies out there you can use to help optimize your retirement income and keep taxes from derailing your plans. Certified Financial Educator Don Chamberlin is here to dig into these tax-efficient strategies that can help you keep more of your hard-earned money so you can achieve your goals and dreams for a fulfilling retirement. Watch Now on Youtube: https://lnkd.in/epNAJfE2 #Chamberlin #DonChamberlin #TaxPlanning #Financialmanagement #financialadvisory #401k #rothIRA #planretirement #taxfunnels #retirement #retirementplanning

Check out the Learning Center on our new website! Explore our library and start learning about ways to secure a fulfilling retirement today. Access webinars, podcasts, blogs, and videos for insights that are helpful to make informed decisions about your financial future. ⬇️⬇️⬇️ https://hubs.la/Q03djGHK0

Your Retirement Income Bucket: Explained!🪣 Setting up your retirement income? We break down the 'income bucket' strategy: conservative assets for stable income. Learn how to protect your future! Watch the full video here⬇️ https://lnkd.in/e_wcM95M

Keeping up with financial news these days can be unnerving, especially if you’re close to or entering retirement. There’s so much uncertainty and change in the economy right now, reflected in sudden market declines and rebounds. This economic environment, and the media coverage of it, can be scary, but instability and downturns don’t last forever. This is the type of situation bucket planning is designed for. 📺 Tune in to this video for an insightful discussion on how time-segmenting your money for different periods of your retirement can help you maintain financial stability in an uncertain environment.: https://lnkd.in/g5bUKrDb

Shout out to our teammate Reagan….Keeping the crowd pumped for opening game! Whether it's working with the Cards, Blues or Chamberlin, she represents and excels! 📣📣📣

Can Your Retirement Portfolio Survive This?🔎 Stock market crashes happen! Are you prepared? We look at the S&P 500's biggest drops since 2000. Learn more about how you can protect your investments on our learning center. https://lnkd.in/dHusR8ig Tune in tomorrow for the full video!