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Welcome to the Puget Sound Chapter of the
American Association of Individual Investors

We are a grassroots, nonprofit organization with a mission to provide honest, unbiased investment information to individual investors in the Puget Sound area.

We are managed by a board of directors that is entirely made up of volunteers. We sponsor an educational seminar in every odd-numbered month. Members, their guests and non-members attend our seminars.

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Our next seminar:

Bucket Approach to Retirement Allocation: The Devil Is in the Details

Christine Benz
July 20, 2019 from 9:45 am to 12:45 pm

For investors trying to get cash flow from portfolios in today’s low-yield environment, the bucket approach may be a godsend. Structure the portfolio by spending horizons, set aside a cash component for near-term spending needs, and then spend through a long and happy retirement. Implementation can be a bit messy. However, the bucket approach will not guarantee that you won’t run out of money. There are no ironclad rules about how to manage and extract cash from a bucket portfolio across accounts with different tax treatment: traditional tax-deferred, Roth, and taxable accounts. This presentation delves into the logistics of building and maintaining a bucket portfolio on an ongoing basis.

ABOUT THE PRESENTER

Christine Benz, director of personal finance for Morningstar and senior columnist for Morningstar.com, is the author of “30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances” (Wiley, 2010). Benz is also co-author of “Morningstar Guide to Mutual Funds: 5-Star Strategies for Success,” a national bestseller published in 2003, and author of the book’s second edition, published in 2005. Before assuming her current role in 2008, Benz also served as Morningstar’s director of mutual fund analysis. She has served as editor of several of Morningstar’s publications over the years, including Practical Finance, Morningstar Mutual Funds, and Morningstar FundInvestor. She has worked as an analyst and editor at Morningstar since 1993. Benz has a bachelor’s degree in political science and Russian/East European studies from the University of Illinois at Urbana-Champaign.

Attend this seminar to learn:

  • How the “right” withdrawal depends completely on market history.
  • How to customize asset allocations based on expected cash-flow needs.
  • How to extract cash from portfolios and maintain the portfolios’ asset allocations throughout retirement in a tax-efficient manner.
  • Meeting Location:

    Mercer Island Community Center
    8236 SE 24th St.
    Mercer Island, WA 98040-2235
    206-236-3545
    Get Directions

    Registration:

    Please preregister 48 hours before the event to give us an estimated headcount.

    If you would rather not pay with a credit card, you can register by mail.

    Free parking in event center parking lot.

      9:30 a.m. — Registration
      9:45 a.m. — Presentation begins
    12:45 p.m. — Adjournment

    Open to the public. AAII membership is not required to attend.

    Each One, Bring One

    AAII members who preregister are entitled to bring a guest — at no charge to you or your friend — who has never attended an AAII seminar before. Your guest will not be asked for a contribution of any kind.

    When you preregister, you don’t need to know the name of your friend or even whether you’ll invite one at all. But if you do, just have your guest show up and mention your name. It’s that easy!

    Payment

    Please send a contribution of ANY AMOUNT of your choice for each person who will attend. The more you contribute, the better speakers we can bring you. Contact us at least 24 hours prior to the seminar for a full refund.

    At the Door: 

    Space permitting, maximum 200.  We accept a contribution of any amount at the door for each person who attends.


    Disclaimer

    The opinions of speakers are their own and not necessarily those of AAII. It is not the policy of AAII or its local chapters, officers, or directors to promote any specific investments or techniques of analysis. Presentations are provided solely for informational purposes and should not be construed as solicitations. There are no representations or warranties of any kind, expressed or implied, about the completeness, accuracy, reliability, or suitability of meeting information. Investment information presented may not be appropriate for all investors and should be independently verified.


    Special Interest Groups:

    AAII Special Interest Groups (SIGs) are small gatherings sponsored by Local Chapters where members meet for general discussion or to explore a specific investment topic of interest to the group. 

    Eastside SIG

    Chair: Jim Shaw
    JGShaw@live.com

    This discussion group meets in Bellevue or Mercer Island at 7 p.m. on the second Tuesday of each month (except in July and August). To receive a notice prior to each meeting, send a blank email to AAIIEastsideSIG-subscribe@YahooGroups.com

    North End SIG

    Chair: Lowell Wickman
    wick912yukon@hotmail.com

    For those who live north of Seattle, this discussion group meets in Lynnwood once a month. Please preregister by emailing Lowell Wickman at wick912yukon@hotmail.com