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Dirk Pierce

Home Equity Retirement Loan Specialist

NMLS# 582984

1-760-348-8039

5076 Marc Dr., Nashville, Tennessee 37211

Adaptive-Based Retirement Spending

Wed, Mar 20, 2024 11:00 am


Presented by: Jamie Hopkins, Esq., LLM, MBA, CFP®, RICP®

Join us for an enlightening webinar featuring renowned retirement income expert and IncomeLab board member, Jamie Hopkins, as he delves into the cutting-edge concept of adaptive-based retirement income planning.

In an era of evolving financial landscapes, technological enhancements, and uncertain market conditions, traditional retirement income strategies like the 4% distribution strategy may no longer suffice. In fact, most of our planning today is too binary, focused on success and failure rates that miss the whole point and behavioral aspects of generating real world retirement income for clients. Adaptability is critical in retirement income planning, allowing you to navigate the complexities of today's financial world with confidence and resilience.

Learn how to tailor your retirement income to your client's unique circumstances, effectively managing risks and optimizing an adaptive guardrail-based retirement income approach to deliver a more sustainable retirement income plan.

• Understand how to assess clients' evolving financial needs and risk tolerance, enabling advisors to tailor adaptive based retirement income plans that align with individual goals and circumstances.
• Learn how to effectively incorporate dynamic asset allocation strategies within retirement income planning, enhancing the ability to adapt to changing market conditions and optimize portfolio performance.
• Gain insights into advanced withdrawal strategies, such as the Guardrail Strategy and the Spend Safely in Retirement Strategy, to provide clients with more flexible and resilient income solutions.
• Discover how to leverage technology and digital tools for real-time monitoring and adjustment of retirement income plans, ensuring ongoing alignment with clients' evolving objectives.
• Grasp the key principles of tax-efficient retirement income planning, including strategies for minimizing tax burdens while maximizing after-tax retirement income, to provide clients with more tax-efficient retirement solutions.



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Using Housing Wealth to Improve Financial Outcomes in Retirement – with Barry Sacks

Tue, Jan 19


Tuesday, Jan 19th 11:00am-12:00pm PT

As clients retire, and hence end the receipt of regular income from employment or professional activity, cash flow considerations become paramount. Indeed, studies have shown that for most retirees, the concern about “running out of money” later in life outweighs any other concern. Also, studies show that more than half of all retirees are homeowners. This webinar examines four situations in which home equity can be used to diminish retirees’ risk of cash flow exhaustion while maintaining an acceptable level of living expenses. Quantitative examples will be given to illustrate each of the four situations. In this one-hour session, you will: • The effect of skipping a few distributions from a securities portfolio, replacing the income with draws on a buffer asset such as home equity, and how the result is greater cash flow sustainability and a greater legacy. • Using a reverse mortgage to replace a conventional mortgage, and thereby reducing cash needs during retirement. (This is important for the many retirees who want to “age in place.”) • How to use a “reverse mortgage for purchase” to downsize or to change location, and to provide additional funds to invest for additional cash flow in retirement. • Using a reverse mortgage to provide liquidity for the division of assets in “silver divorce.” Barry H. Sacks is a tax attorney specializing in pension law. He also has a Ph.D. in theoretical physics from MIT. He published the pioneering research paper modeling the use of reverse mortgage credit lines to mitigate the effects of adverse sequences of returns in retirement accounts. While developing his model for the use of reverse mortgages in retirement income planning, Barry became aware of other needs of retirees (or soon-to-be retirees), including those who are moving to new homes and those who are in the process of divorce. As a result, Barry has published papers demonstrating various uses of reverse mortgages to address these retirees’ needs.

No Portfolio is an Island, Presented by David Blanchett

Tue, Mar 30


Wednesday, March 17, 2021 11:00am-12:00pm PT

Financial assets, such as stocks and bonds, are only one component of an investor’s total economic worth. Other assets, such as human capital, real estate, and pensions often represent a significant portion of an investor’s total wealth but are commonly ignored when building portfolios. It is important to understand into how important it is that we help our clients prepare financially for retirement by considering their total wealth, and not only their investable assets. David Blanchett, head of retirement research at Morningstar Investment Management, explores various frameworks to design more efficient portfolios from a total wealth perspective in this presentation. Topics discussed include the relevance of human capital, optimal endowment allocations given donation risk, the impact of liabilities on optimal portfolios, efficient income investing, taxes, and optimal portfolios for different investing durations. In "No Portfolio is an Island" by David Blanchett, you will: Discover different types of risks to consider when building portfolios that are more efficient for clients when viewed from a total wealth perspective Understand why there is no one efficient portfolio for all investors Learn frameworks for incorporating different risks and preferences into the portfolio optimization process.

When and Where?

Fri, Apr 16


Friday, April 16, 2021 11:00am - 12:00pm PST 2:00pm - 3:00pm EST

About our speaker:

Barry H. Sacks is a tax attorney specializing in pension law. He also has a Ph.D. in theoretical physics from MIT. He published the pioneering research paper modeling the use of reverse mortgage credit lines to mitigate the effects of adverse sequences of returns in retirement accounts. While developing his model for the use of reverse mortgages in retirement income planning, Barry became aware of other needs of retirees (or soon-to-be retirees), including those who are moving to new homes and those who are in the process of divorce. As a result, Barry has published papers demonstrating various uses of reverse mortgages to address these retirees’ needs.

Content Overview:

As clients retire, and hence end the receipt of regular income from employment or professional activity, cash flow considerations become paramount. Indeed, studies have shown that for most retirees, the concern about “running out of money” later in life outweighs any other concern. Also, studies show that more than half of all retirees are homeowners. This webinar examines four situations in which home equity can be used to diminish retirees’ risk of cash flow exhaustion while maintaining an acceptable level of living expenses. Quantitative examples will be given to illustrate each of the four situations.

1-Hour Session | Key Topics: 1. The effect of skipping a few distributions from a securities portfolio, replacing the income with draws on a buffer asset such as home equity, and how the result is greater cash flow sustainability and a greater legacy. 2. Using a reverse mortgage to replace a conventional mortgage, and thereby reducing cash needs during retirement. (This is important for the many retirees who want to “age in place.”) 3. How to use a “reverse mortgage for purchase” to downsize or to change location, and to provide additional funds to invest for additional cash flow in retirement. 4. Using a reverse mortgage to provide liquidity for the division of assets in “silver divorce.”

Using Housing Wealth to Improve Financial Outcomes in Retirement

Fri, Dec 31


An Overview for financial planners and their clients Presented by Barry Sacks, Ph.D., J.D.