Insights
Articles reflecting our low-cost, stay-the-course philosophy, written for people making a decision rather than browsing.
Apr 11, 2024
For over 3,000 years, people have been practicing some form of spring cleaning. While the original reasons may always remain shrouded in mystery, we can confidently say that nowadays, it’s time to clean out the attic and basement, get rid of old stuff, and give your house a deep cleaning. As a financial advisor, I […]
Read articleMar 25, 2024
Taxes in retirement are psychologically much worse than in your working years. When you earn a paycheck, and the government takes a chunk out of it, you understand that in two weeks or a month, you’ll get another paycheck, and another, and another – all the way until retirement. In retirement, though, you don’t replenish […]
Read articleMar 18, 2024
Our investing journeys can be broken down into three broad categories: accumulation, preservation, and, finally, decumulation. A strong growth mindset marks our climb up the career ladder, while in the twilight of our careers, we shift to securing those years of gains. When we retire, we find ourselves in unknown territory; our stable paychecks are […]
Read articleMar 15, 2024
The tax filing deadline is bearing down on us, and many Americans are expecting a hefty refund from the IRS.
Read articleFeb 22, 2024
When you think of the words ‘financial advisor,’ what comes to mind? Perhaps you envision a call from a fast-talking suit recommending purchasing a hot stock before it’s too late, or maybe an accountant-type poring over your budget and cutting out all those lattes you indulge in from the coffee shop. In reality, an advisor’s […]
Read articleFeb 16, 2024
Every four years, the world waits in anticipation as the American people head to the polls and vote for their preferred presidential candidate. Each time, the consequences are far-reaching, impacting America’s foreign and domestic policies, her standing on the world stage, and the economy as a whole. But what about the stock market? Should you […]
Read articleFeb 7, 2024
Capital gains – what better encapsulates our economic system than our ability to generate returns commensurate with our risk appetite? And with this risk comes preferential treatment in the form of lower capital gains tax rates. The logic is straightforward – recognizing the inherent risk of no guaranteed returns, the government offers incentives to invest […]
Read articleJan 23, 2024
In our last paper, we went over the best retirement plans for your small to medium-sized business. However, those retirement plans may not be helpful for you if you are the sole employee of your business or are a freelancer, such as a 1099 worker. In this paper, we’ll go into the top retirement plans […]
Read articleJan 23, 2024
Having the right retirement plan for your business may seem like an easy task, and it might be. But most business owners aren’t aware that there are many different plans to choose from and design options that could be tailored to their company’s and family’s unique situation. With these factors optimized, other pieces of the […]
Read articleJan 17, 2024
Are you ready to retire in 2024? After decades of working your way up the career ladder or nurturing your business, you may feel it’s finally time to hang up your hat and settle down into post-retirement bliss. Finally, you’ll get to go on that long-awaited road trip, visit Europe, spend more time with the […]
Read articleDec 5, 2023
There may come a time when you are the beneficiary of an IRA, whether from a spouse, family member, or other loved one. The rules surrounding Inherited IRAs are complex and full of exceptions and nuances. However, if you are a recent non-spouse beneficiary, you may be subject to the relatively new ten-year withdrawal window. […]
Read articleNov 29, 2023
The end of the year is nearly here, and while you may be focused on spending time with family and friends, holiday shopping, and vacation, your finances need your attention too. By taking the time to sort out your finances now, before the end of the year, you’ll be better able to proactively adapt to […]
Read articleAt some point the questions become specific to your situation. That is a conversation, and the first one is free.
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