Articles on retirement planning, portfolio management, rules-driven investing, and the Required Return framework from Rulicent Investments — a rules-driven wealth management firm based in Oklahoma City, serving clients nationwide.
The timing of market declines matters more than their magnitude for retirement investors. Here is why Oklahoma retirees need to think differently about this risk — and what a rules-driven strategy does about it.
Every retirement plan is built on a return assumption. Most investors have never seen that number explicitly calculated. Here is what it is, how to find it, and why it changes everything about how you should evaluate your portfolio.
The difference between fee-only and fee-based advice is not a technicality. It is a structural conflict of interest that affects every recommendation you receive. Here is how to tell the difference — and why it matters.
The worst bond market decline in modern history exposed a fundamental flaw in the conventional wisdom that bonds are always a safe haven. Here is what it means for retirement investors who still hold permanent bond allocations.
Broad diversification is often presented as the solution to market risk. But for retirement investors, the question is not how to own everything — it is how to own what is working when it matters most.
Not every financial advisor in Oklahoma City is a fiduciary. Here is what the fiduciary standard actually means, how to verify it, and the questions to ask before trusting someone with your retirement.
The difference between fee-only and fee-based compensation is not just a technicality — it determines whose interests the advisor is structurally incentivized to serve. This article explains the distinction and why it matters for Oklahoma retirement investors.
There is a fundamental difference between managing an allocation and managing capital. One is a permanent assignment. The other is an active decision. Most investors have the former and believe they have the latter.
The standard approach to retirement planning begins with a risk tolerance questionnaire. The result is an allocation — conservative, moderate, or aggressive. But allocation is not a strategy. Your Required Return is the number that actually determines whether your retirement plan works.
Average returns are not the same as actual returns. Sequence of returns risk — the danger that a poor market early in retirement can permanently impair a portfolio — is the most underappreciated threat in retirement planning.
Rulicent publishes market commentary, retirement planning education, and rules-driven investment analysis. Every article is written by Dustin Wigington, founder and Chief Investment Officer of Rulicent Investments — a former Regional Vice President at Fisher Investments and author of The Retirement Plan Paradox.
Topics covered include: Required Return analysis, sequence of returns risk, fee-only vs. fee-based compensation, fiduciary standards, rules-driven portfolio management, SectorPulse™ sector rotation, BondPulse™ fixed income strategy, Oklahoma City retirement planning, and estate planning for retirees.