Insights
Articles reflecting our low-cost, stay-the-course philosophy, written for people making a decision rather than browsing.
Nov 25, 2023
February 2024 Update: A new phishing scam is targeting the clients of major financial institutions such as Schwab. Scammers are duplicating sponsored Google search results, directing unsuspecting users to fake login pages that steal their credentials, giving the scammers access to client accounts. To avoid becoming a victim of this scam, you have several options: […]
Read articleOct 31, 2023
November is a great month – we get to meet with our loved ones around the Thanksgiving dinner table, ponder what we’re thankful for, and take stock of what’s really important in life. These feelings of self-reflection often inspire us to express our gratitude not just in words but also in action. Whether it be […]
Read articleOct 24, 2023
Longevity is a double-edged sword. On one side, the gift of a longer life brings more experiences, memories, and milestones. On the other, it introduces complexities into how one financially prepares for their later years. The complexities begin with trying to figure out just how long you will live. Using the Social Security Administration’s Life […]
Read articleSep 26, 2023
If you’re like many Floridians, you want to have the most tax-efficient financial plan possible, and one of the greatest tools available to investors is a Roth account which allows for tax-free growth and earnings and a more flexible withdrawal strategy. Unfortunately, many well-off Floridians are unable to directly contribute to the Roth due to […]
Read articleSep 26, 2023
Financial advisors love the Roth account. By providing tax-free withdrawals and eliminating Required Minimum Withdrawals (RMDs), Roth accounts give you much more flexibility in retirement. But if you look at your portfolio, how much of your funds are qualified as Roth? Maybe not as much as you’d like. Fortunately, it’s not too late to take […]
Read articleSep 14, 2023
Growth versus protection. Security versus potential. This isn’t a discussion on investment strategies, portfolio adjustments, or selecting the ideal retirement account but rather the junction where investing and insurance collide. One is designed to move you forward on your investment journey, the other is to protect you along the way. And just like investing, insurance […]
Read articleAug 30, 2023
Are you thinking of changing jobs? If you’re like most Americans, you just might be. According to a poll conducted by job search site Monster.com, an astounding 96% of Americans are considering a job change in 2023.¹ And this is fine – the American dream is one of upward mobility and freedom to choose where […]
Read articleAug 15, 2023
As we approach retirement age, we have a slew of options available to us; we can start withdrawing from our nest egg, claim Social Security benefits, or a combination of both. We also have the opportunity to continue working or not while claiming Social Security benefits. The decision as to when to claim Social Security […]
Read articleAug 3, 2023
In 1848, gold was discovered in California, leading to a massive influx of people from all over the world seeking their fortunes. Driven by their hopes of striking gold in the rivers and streams of California, these individuals were known as “Gold Rushers.” While most traveled west to mine for gold directly, a few savvy […]
Read articleJul 25, 2023
Many of us, at some point in our lives, will end up with a lump sum of cash, the likes of which we’ve never dealt with before. It may come from an inheritance, a business or patent sale, or even a lawsuit. Even if you are a high earner and have built up a sizeable […]
Read articleJul 7, 2023
Deep down, we all expect to live forever. Or at least long enough to live a long and fulfilling life, with several generations already below us, from children to grandchildren, to possibly even great-grandchildren. Unfortunately, we all know that some of us won’t reach that stage of life, whether due to accident, illness, or incapacitation.Yet […]
Read articleJul 3, 2023
The internet was created in the 1960s for inter-agency government, scientific, and university communications. However, it was popularized in the early 1990s thanks to the launch of the Mosaic browser in 1993. From 1993 to 1996, the number of websites skyrocketed from 130 to over 100,000, with the most popular web browser, Netscape Navigator, generating […]
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