Welcome to the TRAK Retirement Planning Blog

Helping Advisors prepare their clients for retirement since 1986.

Latest Articles

The Cost of Leaving a Pension Early

The Cost of Leaving a Pension Early

The most powerful force in the Universe is compound interest. - Albert Einstein  In 1984, the Portland Trailblazers selected Sam Bowie over Michael Jordan as their draft pick—and as the saying goes, the rest is history. Although Sam Bowie was a terrific 7’3”...

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Trends in the Separation Rate for Public Employees

Trends in the Separation Rate for Public Employees

This past year, I’ve spoken about employee benefits and retention at several conferences around the country, and I’m particularly interested in the monthly separation rate for government employees. In 2020 and 2022, the numbers spiked, making it difficult for many...

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Helping Your Clients Not Walk Away From Their Money

Helping Your Clients Not Walk Away From Their Money

A few years ago, my wife went to a garage sale and bought a box of old books for $25. She came home as excited as I had ever seen her. Why? One of the books was a 1831 edition of The Federalist Papers. We searched online and were thrilled to see an estimated value of...

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Riches Are in the Niches

Riches Are in the Niches

Unfortunately, recently I have needed a little bit more dental care than usual. My dentist has referred me to several specialists, and the specialist has always been more expensive than my local dentist, and most of the time, it is by a lot. The adage, “Riches are in...

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Simple Engages

Simple Engages

Helping people get engaged in their retirement planning is much easier than you might think—you just have to keep it really simple. Getting clients motivated about retirement when they are young, well before age 85, can become a passion as well.

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Simple is Hard

Simple is Hard

Helping people get engaged in their retirement planning is much easier than you might think—you just have to keep it really simple. Getting clients motivated about retirement when they are young, well before age 85, can become a passion as well.

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Curse of Knowledge

Curse of Knowledge

Curse of Knowledge Three simple words can help us understand the problems many advisors face as they attempt to engage their clients toward retirement success: Curse of Knowledge.[1] Advisors know so much about their own world that they forget the context of those...

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Ironmans and Financial Advisors

Ironmans and Financial Advisors

Recently I finished a Half Ironman Triathlon in St. George, Utah. It was a great race: swimming 1.2 miles, biking 56 miles, and then running the half-marathon, 13.1 miles. That’s 70.3 miles in total! The elevation gain of just over 4,400 feet had me contemplating quitting. At times, it felt like torture. But I finished, and for me, I finished well, just 26 seconds shy of six hours. I was thrilled! I exceeded my expectations on a very tough course.

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