Where Intelligent Planning
Meets Real-Life Outcomes
-Larry Kotlikoff
At CB Investment Management, we believe that true financial planning is your greatest asset in an unpredictable world. And we deliver it using the only tools and methods we trust — those backed by the best
minds in finance, economics, and math.
Why Financial Planning Matters More Than Ever
Yet it is crucial to understand that most, if not all, conventional financial planning is based on flawed methodology that has already failed badly and led to the collapse of Defined Benefit retirement Plans. Yet the same unacceptable approach is still widely used. You must understand the difference between different financial plan approaches and their accuracy and value.
There are two very different approaches:
Economics’ approach to financial planning was developed over the past century by a Who’s Who of economists plus one extraordinarily brilliant physicist and computer scientist, John von Neumann. The focus of economics-based planning is raising and sustaining your living standard and properly trading off risk and return in guiding your investments. Spending is anchored to what you can afford to spend, not to what you’d like to spend.
Conventional financial planning has the opposite anchor. Its first question is “What do you want to spend in retirement?” When you respond, “One trillion dollars a year.”, conventional planning sets your target for you based on a crude retirement-income replacement ratio formula. The formula will invariably set your target far too high. But that’s the point. It gives the planning industry the opening to market its high-yield, but also high-risk and high-fee investment management services to meet “your” target.
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Maxifi focuses on your current known net income
and net asset. The calculations are reliable and
accurate and the whole process flows with the
best possible tools for planning. -
Maxifi is widely used and is not just great for
your financial planning, it will also change the
game in investment planning, tax planning and
even estate planning. -
It’s also backed by the best practitioners. Here are
two planning experts who reinforce this conclusion. - Liz Weston is the most-read personal finance columnist on the Internet. She uses Maxifi. Jonathan Parker, is a finance professor at MIT and renowned for his extensive research in policy and economics. He and everyone else at MIT uses Maxifi.
- The Alpha Planning Edge Alpha Financial & Retirement Planning™ is our comprehensive service that integrates your investment, retirement, and tax planning into one powerful process — built to optimize your lifetime standard of living, not just your portfolio.
Our approach starts with two essential steps:
The benefits of
Maxifi are multiple:
- Eliminating assumptions as far as possible in a base plan. Then you have a base line for testing what-ifs.
- Focusing on after tax sustainable lifetime spending. That’s what really matters.
- Providing an accurate and reliable basis for a range of investment planning approaches.
- Providing an accurate and reliable basis for optimizing multiple retirement options, from real estate, to social security, to withdrawal rates.
- Providing an accurate and reliable basis for tax planning, Maxifi now includes a powerful tool for optimizing Roth IRA Conversions, which can transform retirement outcomes.
- Excellent support, with regular office hours.
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Constant expert flow of information about economic, financial and retirement topics to
stay up to date. - Center of influence on matters related to the communication and conduct of Social Security, Medicare, and the IRS. Don’t take on retirement without a network of support.
Strengthen Your Investment Planning
With your Maxifi Financial Plan
advice — not sales-based investment pitches.
- Invest With Purpose
- Plan With Precision
- Your financial plan is your foundation
