Hidden Value: Beware the Social Security Tax Torpedo

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he discusses how combinations of different retirement incomes can create ugly distortions in tax rates. 

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Taxes, Retirement, Tax Clarity

Hidden Value: How to Help Retirees Pick the Right Life Insurance

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week Joe tackles how to help clients pick the right life insurance. 

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Retirement, life insurance

Hidden Value: How do you compare two financial plans?

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week Joe tackles how to compare two financial plans. 

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Posted in ThinkAdvisor, Joe Elsasser, Hidden Value, Financial Planning

ThinkAdvisor: A Major Shift is Coming in How Advisors Use Fintech

In a recent article for ThinkAdvisor, Covisum President, Joe Elsasser, CFP®, suggested that full integration will overtake open architecture as the theme of the next decade. 

When financial tech begins to provide full integration, it will enable greater efficiency and the ability to provide mass-customization processes in financial firms. Highly customized, quality advice will be more affordable to the mass affluent, while still adding value for the consumer.

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Posted in ThinkAdvisor, Joe Elsasser, FinTech, Tech, In The News

ThinkAdvisor: Covisum's Advisor and Quant discuss the 4% rule

Posted on July 05, 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 4% rule

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

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

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

ThinkAdvisor: Covisum's advisor and quant discuss how to help married couples maximize their social security benefits

Posted on May 08, 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, "Social Security Timing: What couples should consider."

In this edition, we asked both Joe and Ron how a married couple should decide when to claim Social Security.

Joe's response included:

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Posted in The Advisor & The Quant, ThinkAdvisor, Social Security Benefits

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

ThinkAdvisor: Covisum's advisor and quant discuss the impact of tax reform on investment portfolios

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 New Tax Law Affects Investment Portfolios."

In this edition, we asked both Joe and Ron what kind of impact tax reform has on investment portfolios.

Joe's response included:

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Posted in ThinkAdvisor, The Advisor & The Quant, New Tax Law, Tax Cuts and Jobs Act