PHD. ARTICLES
Musings, reflections, and stories from the PHD. team and outside contributors about $$Money$$, Retirement, Repurposement, Behavioral Finance, Behavioral Economics, Plan Design and Choice Architecture. And life. And football…
Annuity Horror Story
Millions of American investors are at risk of falling prey to a financial industry that often exploits their trust and lack of sophistication. I want you to know the story of how one woman was led down a potentially ruinous dead-end path just so a hotshot insurance...
Outliving your money in retirement?
As baby boomers approach and reach retirement age, there's a lot of anxiety regarding whether or not they will have enough financial resources. Many somewhat simplistic formulas have been applied to this question, each of which is at least somewhat useful — but each...
Set it and Forget it?? Fuggedaboutit!!
A lot of American workers are being asked to SET IT AND FORGET IT. FUGGEDABOUTIT! That requires a ton of faith in the Retirement Plan Committee (RPC) that’s watching their money for them. Unfortunately, many of those RPCs have dropped the ball. Part of the heritage of...
Fugged About It!!
Forget something? Or has your 401(k) given you the finger? Perhaps you've heard your retirement plan provider say "Set it and forget it." You’re not sure what it means … but kind of like when cousin Sal says “Fugged about it” you’re pretty sure you shouldn’t. Here’s...
Juggling Priorities
Everyone has to juggle (5) balls in life. FamilyFriendsHealthIntegrityCareer The first four are crystal... fragile... to be handled with care... delicate and breakable and highly valuable. They’re glass... and we're juggling them as if it's no big deal. The last one...
401k teams with losing records
This is going to sound a bit like a rant, and I don't mean for it to. But one of my pet peeves is when we call our 401(k) committee an Investment Committee rather than the Retirement Plan Committee. It seems like a small point of semantics, but words are important,...
The Rule of 70
Retirement is not an age. Retirement is not a number. Retirement is a percentage. A common misperception is that retirement is like a destination, a station along the track, a target for our journey. If only it were that simple! Retirement is not a...
Podcast
The founder of PHD. Retirement Consulting and the author of Repurposement, Troy Redstone, recently appeared on the podcast "Better Business with Marvin Carolina," with the president of the Better Business Bureau of Greater Kansas City. Check it out below, or click...
Overpaying your 401k Advisor?
There are two questions on the minds of most Plan Sponsors, questions that you’ve probably wondered about if you manage the retirement plan at your office, but questions that maybe you didn’t know that you could ask (or didn’t know were legal to ask). We’ll add new...
Hypocrites cannibalizing your 401(k) Plan?
A key axiom is that even if something is not illegal it still might not be good. All things are lawful but not all things are beneficial, helpful or profitable; All things are permissible but not all things are constructive, build up, or edify. No one should seek...
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Overland Park, Kansas 66210.