{"id":1232,"date":"2014-11-26T16:07:45","date_gmt":"2014-11-26T16:07:45","guid":{"rendered":"http:\/\/evergreensmallbusiness.com\/?p=1232"},"modified":"2019-06-27T13:24:13","modified_gmt":"2019-06-27T20:24:13","slug":"does-the-vanguard-personal-financial-plan-work-for-small-business-owners","status":"publish","type":"post","link":"https:\/\/evergreensmallbusiness.com\/does-the-vanguard-personal-financial-plan-work-for-small-business-owners\/","title":{"rendered":"Does the Vanguard Personal Financial Plan Work for Small Business Owners?"},"content":{"rendered":"

\"Picture<\/a><\/p>\n

A few days ago, Vanguard prepared a personal financial plan for me.<\/p>\n

I actually have a personal financial plan already\u2014one prepared based on the methodology our firm uses for our small business clients.<\/p>\n

But the Vanguard plan is free to many long-time Vanguard Group customers. And I’ve been using Vanguard for my own retirement plan and our firm\u2019s pension plan for years. I figured why not\u2026<\/p>\n

Note:<\/strong> Vanguard is apparently changing the way it provides personal financial plans but as I write this, the Vanguard plan is free for Flagship clients (more than $1,000,000 in Vanguard) and Voyager Select clients (more than $500,000 in Vanguard) and costs $250 for regular Voyager clients (more than $50,000 in Vanguard).<\/p>\n

The good news, and maybe the most important point, is this: If you can get a free or low-cost personal financial plan from Vanguard, you should.<\/p>\n

But can I issue three cautions regarding how Vanguard prepares its plans? Two cautions apply to everybody. One caution, a really important one, applies to small business owners.<\/p>\n

Does Vanguard Overestimate Your Ability to Bear Risk?<\/h2>\n

A first quick point: For mature investors\u2014say anybody aged fifty or older\u2014the Vanguard planning tool may overstate an investor\u2019s ability to bear risk. So you want to be alert to this possibility.<\/p>\n

Now this risk stuff is really hard to argue about. Your or my ability to bear risk is pretty subjective.<\/p>\n

But the Vanguard plan, based on my honest answers to its questionnaire, suggested an 80% allocation to stocks with only a 20% allocation to bonds. Wow, that\u2019s adventurous.<\/p>\n

My actual bond allocation equals 70% to stocks and 30% to bonds (all in Treasuries)\u2026 which is still pretty aggressive for someone aged fifty or older.<\/p>\n

Vanguard\u2019s own target retirement income funds for people my age, for example, have noticeably larger bond allocations.<\/p>\n

The upshot in all this? One has to wonder if the Vanguard risk assessment formula pushes mature investors into a higher \u201crisk\u201d bracket than is appropriate\u2026 Especially if you don\u2019t plan to draw money until you\u2019re 70 or you dealt courageously with recent market gyrations, you can get a very high stock allocation<\/em>. Maybe too high.<\/p>\n

Note:<\/strong> The Vanguard certified financial planner who presented the financial plan explained that their risk assessment formula mostly looks at how far into the future you plan to begin your drawdown and at your historical willingness to stay in stocks and even increase your stock holdings in bad bear markets.<\/p>\n

Should Vanguard Adjust its Recommendations for Valuation Levels?<\/h2>\n

Another quick point: The Vanguard personal financial plan uses time loops to come up with a bunch of different investment outcome scenarios including a median expected future value, a best-case-scenario value, and a worst-case-scenario value. The Vanguard personal financial plan then suggests savings tactics that should work 85% of the time.<\/p>\n

All that is good, as far as it goes.<\/p>\n

But here\u2019s a potential problem with this simplistic approach. Relatively high stock market valuations (at least in the US) suggest a strong possibility of below average returns over the next decade for US investors.<\/p>\n

Now, younger investors may not need to worry about this regression to the mean. They have decades of compounding left, decades of time for things to \u201caverage out.\u201d<\/p>\n

In fact, you know what? If you\u2019re in your twenties or thirties? Just ignore this late middle aged hand-wringing.<\/p>\n

However, for mature investors\u2014just the sort of people who tend to have financial plans prepared\u2014the unusually generous current valuations probably do matter. And in this case, the time loop methodology that Vanguard uses to come up with a handful of scenarios and an 85%-chance-of-success savings plan seems, well, overly optimistic.<\/p>\n

A few bad years or an ugly bear market at the tail end of your savings when your balances are biggest or at the front-end of your retirement when you have decades of withdrawals left can really screw up your financial planning numbers.<\/p>\n

If it were me? I\u2019d recommend you double-check Vanguard\u2019s numbers using the simulator available at www.firecalc.com<\/a>.<\/p>\n

A Big Bug for Business Owners<\/h2>\n

Here\u2019s the big drawback with the Vanguard financial plan for small business owners: The plan doesn\u2019t provide any way to incorporate the wealth you have built up in your small business.<\/p>\n

For example, you may have a business worth, say, $200,000 or $500,000.<\/p>\n

If that\u2019s the case, you should be able to sell the business at some point and then use the proceeds for retirement savings. But the Vanguard personal financial plan doesn’t let you include this reality.<\/p>\n

By the way, I get that a small business owner is in a special situation. And valuing a small business and understanding the tax consequences of a sale go way beyond what a certified financial planner is trained to do.<\/p>\n

But 100% of small business owners need to include the value of their firms in their retirement planning. So not providing a way to deal with this reality means the Vanguard approach doesn’t work as well for business owners and entrepreneurs.<\/p>\n

And a related note: This same problem confronts people who’ve accumulated significant direct real estate investments, because the Vanguard personal financial plan also excludes these outside-of-the-box investments.<\/p>\n

Two Final Points<\/h2>\n

Some final housekeeping matters as this blog post ends…<\/p>\n

Two past posts at this blog may be interesting if you’re thinking about your personal financial plan\u2014especially if you’re a small business owner. Accordingly, let me just point those out here:<\/p>\n

Big Benefits of Entrepreneurial Longevity<\/a> (a post about the surprisingly powerful rewards of staying in the game a little longer).<\/p>\n

Income Allocation Versus Asset Allocation<\/a> (a post about how the most important thing to get right with your retirement planning is simply to save enough money).<\/p>\n

 <\/p>\n

Are You a Small Business Owner Looking to Save\u00a0Taxes?<\/h2>\n

\"\"<\/a>This is sort of off-topic, but since you’re already here and probably a small business owner or entrepreneur, can I briefly plug an e-book we’ve written just for people like you? Don’t worry.\u00a0I’ll make this quick…<\/p>\n

Okay, here’s the deal: You may be able to, probably can, save a bundle on your income and payroll taxes by getting strategic about maximizing your business tax deductions. And if you’re interested in exploring this idea in detail, you may want to consider\u00a0our instantly downloadable, $50 e-book, Small Businesses Tax Deduction Secrets<\/em>.<\/p>\n

The\u00a0e-book, which of course comes with a money-back guarantee,\u00a0provides detailed instructions\u00a0about how business owners can annually save thousands or even tens of thousands of dollars in income and related taxes simply by more effectively using legitimate small business tax deductions.<\/p>\n

Tip:<\/strong> If you are a client of our CPA firm, you don\u2019t need to purchase this e-book–or any of our other e-books. Just email us and ask for your complimentary copy. Also, if you’re in the process of becoming a client? Don’t buy the e-book yet. Rather, wait until we’re working together. We’ll then provide you with your complimentary copy.<\/p>\n

Instantly Downloadable & Money Back Guarantee<\/h2>\n

The book as noted is instantly downloadable. You get the e-book when you purchase it. (We also send you an email after your purchase with a link you can also use to download the e-book pdf.)<\/p>\n

By the way, we provide a money-back guarantee. If you don’t information you need or want, no problem.\u00a0 Just email us<\/a> and request your refund.<\/p>\n","protected":false},"excerpt":{"rendered":"

A few days ago, Vanguard prepared a personal financial plan for me. I actually have a personal financial plan already\u2014one prepared based on the methodology our firm uses for our small business clients. But the Vanguard plan is free to many long-time Vanguard Group customers. And I’ve been using Vanguard for my own retirement plan […]<\/p>\n","protected":false},"author":1,"featured_media":1245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[12,10,16],"tags":[],"class_list":{"0":"post-1232","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-management","8":"category-personal-finance","9":"category-strategy","10":"entry"},"yoast_head":"\nDoes the Vanguard Personal Financial Plan Work for Small Business Owners? - Evergreen Small Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evergreensmallbusiness.com\/does-the-vanguard-personal-financial-plan-work-for-small-business-owners\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does the Vanguard Personal Financial Plan Work for Small Business Owners?\" \/>\n<meta property=\"og:description\" content=\"A few days ago, Vanguard prepared a personal financial plan for me. 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