SPF The Test That Comes Before the Plan

Frank L Day

Published on: 05/10/2026

A Single Point of Failure, or SPF, is the one part whose failure takes down the whole system regardless of how well everything else performs. In engineering, a system with a single point of failure is not considered reliable, no matter how strong its

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Running on Retirement: 3 Retirement Tests

Frank L Day

Published on: 29/09/2026

I use running as an illustration of a tuned system, not as a claim that retirement is running, and not as a comparison to any athlete, brand, shoe, or research source. I am borrowing familiar mechanics because the standard matters:

How to Make the Most of Your Retirement?

Frank L Day

Published on: 29/09/2026

The PVFVG$IN™ Magic Quadrant changes the question. It begins with what I have now, separates what is guaranteed or reliable from what is forecast, and then measures the growth and income my money may produce. This is the difference between Participat

How to Test Retirement Plan Volatility

Frank L Day

Published on: 27/09/2026

I have two honest choices. I can participate fully in volatility and accept both the upside and the downside. Or I can design my assets and contracts so the downside has less ability to damage the retirement outcome I am trying to create.