The SECURE Act Puts Roth Accounts Front And Center In Retirement Plans
The SECURE Act’s pushback for the start of RMDs to age 72 opens the Roth conversion wider. High taxes forced […]
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Impact Of The New Tax Law On Financial Planning And Retirement
Current strategies for tax optimization by asset location in after-tax, pre-tax, and tax-free (Roth) accounts are unchanged. Because of lower […]
Cash – Getting A Bang For Your Buck
Paper money is the original risky asset, pays nothing, and is fully exposed to inflation. Wall Street would have you […]
Game Guide to Income, Savings, Wealth and Taxes
Summary One thing income is not is wealth. This is the first confusion we might encounter: High income does not […]
Market Gyrations And Retirement Spending Volatility
Wall Street is selling wealth management by managing returns volatility when the vast majority of us probably need something else. Depending on where you are in the lifecycle, you likely will be better served managing savings or managing spending.
Client Note – The Brexit Leave – Upside in a Falling Market
For existing portfolios I rebalance when Upside regional allocations fall more than 20% outside of their regional target percentage. This rebalancing allow us to add to those regions in the global market portfolio that are now selling at a lower cost—buying low—while we sell at higher prices those regions that exceed their targets by 20% when that occurs. Buy low, sell high!
Catching a Falling Knife Without Bleeding – Value Averaging Down
Value averaging down increases market returns by lowering your basis. Dividends increase the total return further.
That’s how you catch a falling knife without bleeding. And that’s why this is a good time for those who have a strong balance sheet and a long-term plan to manage Upside, Floor, Longevity, and Reserves.
Looking at Floor Five Years Out
Most folks think investing is about picking stocks and dodging in and out of the market before the roof falls […]
What Are You Paying Your Advisor For?
You know that the fees you pay to invest your savings matter, and that these costs, even tiny percentages, can […]
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