Forbes Finance Council: the truth about portfolio risk exposure

Posted on June 22, 2018

In a recent article for Forbes, Covisum President, Joe Elsasser, CFP®, addressed common misconceptions surrounding financial risk and the dangers of relying on an outdated financial risk model. 

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Posted in In The News, portfolio risk, Joe Elsasser, Forbes

ThinkAdvisor: Covisum's advisor and quant discuss the benefits and risks of ESG investing

Posted on June 14, 2018

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. This week, we asked Joe and Ron to discuss, the benefits and risks of ESG investing.

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Posted in In The News, Joe Elsasser, Ron Piccinini, PhD, Advisor, Quant, ThinkAdvisor, The Advisor & The Quant

ThinkAdvisor: Covisum's advisor and quant discuss how to plan for health care costs in retirement

Posted on June 12, 2018

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. Check out the most recent installment, "How to Plan for Retiree Health Care Costs." 

This week, we asked Joe and Ron how to plan for health care expenses in retirement. 

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Posted in Retirement, Joe Elsasser, Ron Piccinini, PhD, Advisor, Quant, ThinkAdvisor, The Advisor & The Quant

USA Today: Social Security Q&A

Posted on June 11, 2018

Covisum President, Joe Elsasser, CFP®, was recently quoted in a Social Security Q&A in  USA Today

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Posted in In The News, Social Security, Joe Elsasser, Social Security Benefits

CNBC explains the best age to claim Social Security

Posted on June 06, 2018

According to an article from CNBC, the best way to determine the optimal age to claim your Social Security benefits is by calculating when you would break even. The break even point is when the amount you receive if you claim later equals the amount you would have received if you had started early. Generally, the age range when an individual would break even is 77 to 83-years-old.  

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Posted in Benefits, Joe Elsasser, Social Security Benefits, CNBC

ThinkAdvisor: Covisum's advisor and quant discuss how to manage sequence of returns risk in retirement planning

Posted on May 01, 2018

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. Check out the most recent installment, "How do you manage sequence of returns risk in retirement planning?" 

In this edition, Joe and Ron discuss how to protect clients from a down market in the crucial early withdrawal years.

Joe's response included:

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Posted in In The News, Joe Elsasser, Ron Piccinini, PhD, ThinkAdvisor, The Advisor & The Quant

The 7 books (and papers) everyone with an interest in financial tech should read

In honor of Financial Literacy Month, Covisum President, Joe Elsasser,CFP®, has created a reading list for anybody with an interest in the financial tech industry. As you know, this is evolving. Financial advisors, finance students, and those working in fintech can benefit from this reading list.

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Posted in Blog, Free Download, White Paper, Joe Elsasser, Grow your business

WealthManagement.com: Explain Risk To Clients Now

Covisum President Joe Elsasser, CFP® recently contributed an article to WealthManagement.com, "Explain Risk To Clients Now," discussing how clients often have unrealistic downside expectations and some of the possible investment mistakes that can be made without properly analyzing their portfolio. He answers questions about effectively estimating a client's risk, what clients need to know about risk, how much a portfolio could lose in a particular period, diversification, and historical

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Posted in In The News, Risk, portfolio risk, Joe Elsasser, Downside Risk, Risk Tolerance, WealthManagement.com

ThinkAdvisor: Covisum's advisor and quant discuss cryptocurrencies and financial planning

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. The most recent installment was published today, "The Advisor and the Quant: Cryptocurrencies and Financial Planning." 

In this edition, we asked both Joe and Ron what role will cryptocurrencies, like Bitcoin, play in financial planning strategies in the future?

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Posted in In The News, Joe Elsasser, Ron Piccinini, PhD, ThinkAdvisor, The Advisor & The Quant, Cryptocurrency

CNBC: Bad Social Security advice cost recipients $131 million, report finds

Covisum President Joe Elsasser, CFP® was recently quoted in a CNBC article, "Bad Social Security advice cost recipients $131 million, report finds." 

The article summarizes a report from the Social Security Administration's Office of the Inspector General, which estimated that 9,224 widow and widower beneficiaries, age 70 and up, were underpaid by over $131 million. The article goes on to explain how those who may have been affected can take steps to correct the issue. Joe offers this advice

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Posted in In The News, Social Security, Joe Elsasser, CNBC