Spring 2016 Welcome Letter

In April 2016, Welcome Messages from Adam Cufr by Adam Cufr

I’ve heard it said that ‘a watched pot never boils.’ I sometimes wonder if this phenomenon holds true with the markets. It seems the more we fixate on them, the less likely they are to give us what we want, when we want it. All eyes have been on the markets in 2016. My, my, it’s been interesting, hasn’t it?

Before we get to matters of the markets, let’s take a moment to remember why we go through all the trouble to plan for retirement in the first place. You might simply respond, “To be able to retire, silly!” While you’re correct, retiring from paid work by not having to work for money any longer is not as easy as it once was. The days of simply collecting a guaranteed pension check from a big company and a Social Security check from the government are not how things work for most people these days. So, guys (and gals) like me must study and apply the modern science of retirement income planning so that you can sleep well at night knowing you’ll have a ‘personal pension’ in-place for you during your golden years.

While that may seem straightforward enough, there are many things that can go wrong if attention is not paid to the particulars. Even for those who do engage someone like me to help, we have to collectively contend with 27 specific risks during retirement! So, it is with all of this in mind that we bring you this newsletter and the Weekly email newsletter (contact us if you’re not receiving it and would like to). We want you to not only have access to plenty of retirement planning information, but I also need to stay at the forefront of planning techniques and strategies, so you’re getting the very best available. In other words, by regularly writing about these matters, I must research continually and apply what I learn to your situation to be able to write about it. It’s a win-win as they say.


We have fostered countless litters of kittens for the Humane Societies over the years. This time, we tried puppies and were quickly made aware that puppies are another level beyond kittens in their care needs. But look how cute they are!

In this edition of the Steward, we’ll take a closer look at one of those 27 retirement risks in the Back To the Basics, ‘retirement date risk.’ In the Briefcase Study, we’ll discuss the recent stock market volatility and how an investor might choose to approach the markets from a risk tolerance and risk capacity perspective. In a related piece, By the Numbers, we translate market losses to time lost.

Finally, in light of all of the discussion about the mechanics of retirement planning, I thought it appropriate to give you an update on how we’re doing as a firm. I’m happy to tell you that Fourth Dimension had an amazing year in 2016, meeting many new aspiring and newer retirees. How did we manage to meet so many incredible people? Two ways. First, we benefitted from quite a few introductions from the families we serve. People were looking for retirement planning advice and a relationship, and you sent them to meet us. That’s incredible and means the world to us to have received the honor of an introduction from those we serve.

The other way we meet a lot of people is through various education events. One in particular, the Retirement Elevated classes I teach at BGSU at Levis Commons, has connected quite a few families with us. Each of the class attendees receives six hours of intensive retirement planning education taught over two evenings. Not only is that a sizable commitment of time on the part of the attendees, it’s a substantial effort on our part as well. The result, however, is a well-educated consumer of retirement planning advice and a powerful opportunity for them to connect what they’ve learned with they might consider as their next steps. All of this is done with no obligation and no sales pitch whatsoever. We’re very proud of this outreach. So, to connect the two methods of reaching people in-need, will you consider who might benefit from attending a future class? In other words, give a friend or co-worker the gift of an education by letting them know such a class is available and you know where to find it. There’s more information in this Steward about our next class, so please consider passing it on to someone you care about!

As always, I’m humbled by the trust you place in us. Let’s have an amazing spring by living fully and helping others do the same, shall we?

To your success,

Adam Cufr Signature

Adam B. Cufr, RICP®