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Battle of the Plans III, Part 2—Investments

Updated: Apr 7, 2021

RL055 - Battle of the Plans III, Part 2—Investments

Roshan Loungani, Erik Olson, and Adrian Nicholson are back with the second installment of Battle of the Plans III, Part 2. They continue the discussion to see the different investment tactics a hypothetical couple can implement in their plan. In Part I, the hosts discussed optimal withdrawal strategies, the couple’s spending levels, and how they can manage the risk of long-term care. In this episode, Roshan and Erik examine the couple’s investment portfolio. They debate how best to balance managing volatility and seeking growth and how much cash the couple should hold in reserve. They also present the potential tax benefits of variable and fixed annuities, the tax implications of Roth IRA conversions, and how the couple can optimally allocate their portfolio across taxable, tax-deferred, and tax-free accounts.

[03:03] Background

[04:47] Determining Risk Tolerance

[19:47] Conservative, Moderate and Aggressive Asset Allocations

[22:58] Asset Allocation, Roth IRAs and Tax Efficient Investments

[31:32] Variable and Fixed Annuities: Opportunity Cost, Tax Deferral and Living Benefit Riders

[50:42] Refinance vs. Reverse Mortgage

[59:48] Diversifying a Portfolio Outside of Conventional Asset Classes

Roshan Loungani can be reached at or at 202-536-4468.

Erik Olson can be reached at or 815-940-4652.

Adrian Nicholson can be reached at or at 703-915-8905.

Listen to the whole episode on our website here:

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All opinions expressed by podcast hosts and guests are solely their own. While based on information that they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only, and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

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