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Battle of the Plans – Software Edition

Updated: Feb 16, 2022

RL103 – Battle of the Plans – Software Edition

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson use their complex financial planning software packages to analyze a hypothetical retirement plan. They go through capital market assumptions, the benefits of budgeting in retirement, and how life expectancy influences retirement spending.

[04:39] The Tools and Assumptions Erik Used for His Retirement Planning

[07:57] Client Profile for Our Hypothetical Financial Plan

[10:50] Adjustments to a Hypothetical Retirement Plan

[16:02] Adrian's Retirement Forecasts

[18:50] Assumptions Versus Risk Tolerance

[21:50] Capital Market Assumptions

[26:24] Why You Need to Make Adjustments Throughout Retirement

[31:47] Retirement Budgeting and Why It's Important

[36:05] Roshan's Analysis and Tools Used

[39:30] Factoring In The Life Expectancy Variable

[44:55] Conversions and Retirement Planning

[51:00] Investments and Specialized Allocations

[57:45] The Smile Spending Curve

[01:00:37] Parting Thoughts

For more links and the full show notes keep scrolling down!

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.

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Select episodes, like this one, can be found on YouTube:

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Full Show Notes:

Retirement Planning Assumptions

Planning for retirement is arguably one of the most important things people can do to safeguard their future. However, retirement planning can be confusing because assessments are built on assumptions. No one truly knows what will happen ten years from now, and it's even harder to predict the economic landscape when you finally retire. So, what do financial experts do when trying to recreate personalized and sustainable retirement plans? They typically use historical averages, make assumptions around the current and future economic landscape or how well your investments will perform in the long term.

Nonetheless, if assumptions are off by some margin, retirees could face too little or too much retirement money. None of these outcomes is favorable because too little will obviously cause lifestyle problems, while having too much would mean unnecessary sacrifices were made when growing your retirement bundle.

Retirement Budgeting and Why It's Important

Running out of money is the one thing most people fear as far as retirement is concerned. This makes sense because if you're physically healthy and financially prepared, your retirement could last as long as you're working years. The good news is that creating a retirement budget can help you make sure you're set for life. However, some people go to extremes and budget to the last penny. Although we don't advocate for such extremes because nothing's guaranteed in retirement, we believe in having a reality-based plan that has some allowance for your spending. Under representing your spending estimates has significant consequences when you extend that out on an inflation-adjusted basis over the long run.

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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