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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
Every behavior around money – even those that seem totally illogical to you or others – may actually make perfect sense when we understand the experiences
Read More
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
Read More
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
Read More
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
Read More