Research and Writing for Individuals


Please refer to our newsletters for our most current thoughts on the financial markets and other topics.

Big Changes to Claiming Strategies for Social Security Benefits

On November 2, the "Bipartisan Budget Act of 2015" became law, bringing with it significant changes to Social Security that will affect retirement income planning for married couples when one or both spouses have not yet filed for benefits.

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Four Simple Savings Rules

It's both important and challenging to stop living month-to-month and to begin building retirement savings. Here are our four simple rules for getting a healthy start that anyone can follow, but are particularly important for young people just getting started toward their financial future. These tips have been featured on the Faith Middleton Show on Connecticut Public Radio.

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National Savings Guidelines

Robert and Charles Kreitler co-authored a landmark retirement savings study, the National Savings Rate Guidelines for Individuals, with Roger Ibbotson, Peng Chen and James Xiong of Ibbotson Associates in the Journal of Financial Planning. The study addressed the complex issues of retirement saving and created a methodology for individuals to simply and quickly estimate the savings rate needed to retire successfully.

The study received wide coverage from the press. MSNmoney.com described it as “Your Magic Number.” Both MSNmoney.com and Morningstar.com use it as the basis for their online retirement calculators.


Getting Started in Global Investing: The Island Principle

Written in 2000 by Robert Kreitler, Getting Started in Global Investing: The Island Principle™ was one of the first practical guides for individual investors seeking ways to get exposure to foreign investments.

With a whole world full of stocks, the investor who lives on an island would probably not limit him or herself to buying only companies headquartered on the island, but would buy stocks from many countries. He or she would have a globally diversified portfolio. This was the basis for the Island Principle.

The Island Principle approaches global investing logically and thoughtfully, seeking to make global investing into a less risky proposition than many investors seem to believe it is. It suggests new ways to diversify, ways that can possibly help investors reduce portfolio risk. Then they can enjoy another benefit: lowering risk gives investors the freedom to make new choices, with the potential to increase their portfolio returns.

You can learn more at the book’s website, www.islandprinciple.com/.

Global investing also involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. Investing involves risk and investors may incur a profit or a loss. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests.


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