Journal of Personal Finance

2012

Presorted Standard US Postage PAID Mansfield, OH Permit #158

Journal Personal Finance

Volume 11

www.journalofpersonalfinance.com

Market Performance and the Timing of Retirement Rui Yao, Ph.D., CFP®, University of Missouri Eric Park, CFP®, CFS, University of Missouri

Factors Related to the Financial Vulnerability of Small Business Owner-Manager Households

Intergenerational Transfers in the Immigrant Family: Evidence from the New Immigrant Survey Jinhee Kim, University of Maryland Haejeong Kim, Independent Researcher Sharon DeVaney, Purdue University Journal of Personal Finance

Find a Member at: www.IARFC.org International Association of Registered Financial Consultants

HoJun Ji, CPA, PH.D. Candidate, The Ohio State University Sherman D. Hanna, Ph.D., The Ohio State University

How can you be sure a financial consultant is among the finest? Just visit with a Registered Financial Consultant®.

Those financial advisors who meet high standards of education, experience and integrity carry the RFC® designation.

The Financial Planning Building 2507 North Verity Parkway Middletown, Ohio 45042

What the best financial consultants carry

INTERNATIONAL ASSOCIATION OF REGISTERED FINANCIAL CONSULTANTS

IARFC

Issue 1

of

Are Safe Withdrawal Rates Really Safe?

Todd R. Tresidder, Financial Coach

Tools, Techniques, Strategies & Research to Aid Consumers, Educators & Professional Advisors Volume 11 Issue 1

2012

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Volume 11, Issue 1

77

Figure 1 The Effect of Age on the Business Income to Total Household Income Ratio, at Mean Values of Other Independent Variables

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Created by authors based on business income to total household income ratio regression result in Table 4.

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2012

Presorted Standard US Postage PAID Mansfield, OH Permit #158

Journal Personal Finance

Volume 11

www.journalofpersonalfinance.com

Market Performance and the Timing of Retirement Rui Yao, Ph.D., CFP®, University of Missouri Eric Park, CFP®, CFS, University of Missouri

Factors Related to the Financial Vulnerability of Small Business Owner-Manager Households

Intergenerational Transfers in the Immigrant Family: Evidence from the New Immigrant Survey Jinhee Kim, University of Maryland Haejeong Kim, Independent Researcher Sharon DeVaney, Purdue University Journal of Personal Finance

Find a Member at: www.IARFC.org International Association of Registered Financial Consultants

HoJun Ji, CPA, PH.D. Candidate, The Ohio State University Sherman D. Hanna, Ph.D., The Ohio State University

How can you be sure a financial consultant is among the finest? Just visit with a Registered Financial Consultant®.

Those financial advisors who meet high standards of education, experience and integrity carry the RFC® designation.

The Financial Planning Building 2507 North Verity Parkway Middletown, Ohio 45042

What the best financial consultants carry

INTERNATIONAL ASSOCIATION OF REGISTERED FINANCIAL CONSULTANTS

IARFC

Issue 1

of

Are Safe Withdraawal Rates Really Safe?

Todd R. Tresidder, Financial Coach

Tools, Techniques, Strategies & Research to Aid Consumers, Educators & Professional Advisors Volume 11 Issue 1

2012