ETFs and mutual funds come with separate structures and don’t trade the same way, but they also stack up fairly equally along lines of diversification and tax
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Life insurance is a financial product and requires periodic care, just like any other asset. Income, family structure, and health can all change over time
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Gap thinking means measuring ourselves by the distance between where we are and where we want to be or by what others have achieved. Gain thinking means looking
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Accumulating assets is like building a ship in a bottle; spending those assets in retirement is like getting the ship out without breaking it. That’s why a plan
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Individual securities, bond funds, ladders – there are quite a few approaches to buying fixed income, and the optimal path for you can depend on a lot of
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When deciding which investments should go into which accounts, think in terms of expected after-tax return as well as after-tax risk. Are there opportunities to
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A consistent theme among dynamic rules for determining how much you can safely spend each year in retirement is adaptation. The ability, if we must, to adjust
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From financial aid and the expected family contribution to selection strategies and the big-fish-little-pond effect, choosing the right college or university is
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Every behavior around money – even those that seem totally illogical to you or others – may actually make perfect sense when we understand the experiences
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Last year certainly had its challenges, not the least of which were changes to the way we work. It’s entirely possible the whole thing made you want to up and
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We all tend to create “mental accounting” rules about how we will spend and save. These shortcuts can help us make sense of our finances. However
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Few pieces of financial advice are more universally accepted than “save as much as possible as early as possible.” But contributing too much, too soon in the
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