Wyatt Moerdyk

AIF®
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“Wyatt A. Moerdyk, Accredited Investment Fiduciary® and founder of Evidence Advisors Investment Management, is committed to bringing the advancements in technology and modern finance to more investors, and making it personal.”
Firm:

Evidence Advisors Investment Management

Job Title:

CCO/Managing Member

Biography:

Wyatt A. Moerdyk is an Accredited Investment Fiduciary® and founder of Evidence Advisors Investment Management. Wyatt has twelve years of experience providing financial planning and investment advice. Also, as a former educator he truly has the “heart of a teacher”, and takes great care in providing clients with an understanding of investing. Wyatt is committed to upfront, transparent, and reasonable pricing and following a fiduciary standard of care.

​At Evidence Advisors, LLC, Wyatt and his team provide their clients with discretionary investment management services. Their focus is primarily on building passively managed or index fund portfolios that are customized to meet their clients’ level of risk. Their investment strategies are strongly based upon the academic research of leaders in the field of finance. Evidence Advisors, LLC takes an “evidence based” approach to investment management. Wyatt believes that there is a significant body of scientific evidence that can be applied to practical investing.

Wyatt and his team also provide asset management and financial planning services to individuals, high net worth individuals, trusts, estates, corporate pension and profit-sharing plans, charitable organizations, foundations, endowments, corporations and small businesses. They are committed to the precept that by placing the client’s interests first, they will add value to the asset management process and earn the client’s trust and respect. Wyatt values long term relationships with his clients whom he regard as strategic partners in his business.

CRD Number:

4644751

Disclaimer:

Investment advice provided through Evidence Advisors, LLC a Registered Investment Advisor firm.

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October 2016

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    Retirement, Investing
What should I do with my retirement account as I approach 59 1/2 years of age?
100% of people found this answer helpful

It sounds as if your airline retirement plan may be a defined benefit plan, especially if the monthly payment of $900 dollars is based on a formula (for example, years worked plus your age). Many defined benefit plans of this type will pay a higher monthly income than the income you could generate from rolling a lump sum into an IRA. However, as you mentioned, you do give up some of the flexibility for a higher income.

Let's say you did the rollover, had a very successful investment over the next 8 years, and were able to double your money (no guarantee, just thinking best case scenario). How much do you think $180,000 dollars would generate for you in monthly income? As a general rule, I use a 5% distribution rate. So, (180,000 X .05)/12 = $750 dollars a month.

I would take a second look at the airline monthly payment scenario, and get a local financial advisor to help you analyze your options. My guess is that the airline prefers you take the rollover so that they are not on the hook for the annuity payments. Also, I would be hesitant to recommend a rollover if you are going to face "substantial penalties."

If you can afford a longer timeframe to invest the rollover money, then that may be an option to consider. However, if you need to generate income in the next 8 years, then you will need an advisor and a well thought out investment plan to meet your income goals.

Hope that helps,

Wyatt A. Moerdyk, AIF®

Managing Member/Chief Compliance Officer

Accredited Investment Fiduciary®

Evidence Advisors Investment Management

Office: 210-591-1170

Email: wyatt@evidenceadvisors.com

Web: www.evidenceadvisors.com

Investment Advisory Services offered through Evidence Advisors, LLC, a registered investment advisor. Investopedia, LLC and Evidence Advisors, LLC are not affiliated

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    Pensions
How do new regulations affect 403(b) plans?
100% of people found this answer helpful
October 2016
    Investing
How should I invest my 403(b)?
100% of people found this answer helpful
October 2016
    401(k), IRAs
What are the best potential options regarding my IRA and 401(k)?
100% of people found this answer helpful
October 2016
    Retirement, Investing
How should I invest my money towards retirement?
100% of people found this answer helpful
October 2016