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Even the most brilliantly crafted investment plan has to be given time to work.
This is a summary of the six steps required to create a well-crafted investment plan.
Investment brokers like Schwab offer many services local banks offer but there are a few reasons why you might want to resist consolidating all of your accounts to a broker.
Retirement planning should begin the moment you receive your first paycheck.
The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.
These are just some examples of the creative beneficiary designations, but the important part is to dream big about what your wishes are.
After you reach the age of 70 1/2, the IRS requires you to begin taking minimum distributions from your traditional retirement accounts.
Carefully computing and adding your Social Security early retirement safe withdrawal rate can safely boost your early retirement standard of living without jeopardizing your future finances.
We highly recommend a Donor Advised Fund for generous investors.
A swimmer takes one stroke at a time and yet makes great progress.
Here are the most common reasons that your plan might need to be updated or revised and what to do about them.
You’ve opened your HSA and funded it for several years. When should you stop funding it?
If you prefer to keep your down payment money invested in the markets for longer, there are two alternatives.
Here are some rules for handling your digital security.
Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.
I have outlined some steps to help you figure out how to pay down your debt and get back on track.
Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.
Your future path is sure to take many unexpected twists and turns, but you should run the numbers. Your future self will thank you.
For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.
Careful tax planning can avoid much of the capital gains tax.
Your investment strategy is critically important but the implementation requires wise fund selection.
Should we have a “Free Countries Asset Class” or a “Foreign Stock Asset Class?”
As with many financial decisions, our gut feelings deceive us on this matter.
The process of defining your sectors is an attempt to identify the quintessential features of your strategy and formalize your selection criteria.
It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.
The value of not running out of money when making withdrawals cannot be measured.
Portfolio design and rebalancing is both a science and an art. Knowing that rebalancing boosts returns is useless unless you as the investor follow through.
Rebalancing can both boost returns and lower volatility, but most investors do not understanding how.
A computer algorithm cannot help you with these things.
Most investors are not aware of an important separation in the professionals of the financial services industry.
The new holiday cliché is to complain about hyper-materialism, but gifts and gift giving help shape our identities.
It is a simple thought experiment. Would you rather invest in South Korea or in North Korea?
There is no accounting for how many heirs an account might need to be divided among in an estate plan. Here are the best practices for how to divide the estate.
There are five ways that both you and the government could make charitable giving more significant.
“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith
Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.
Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.
The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.
Despite their complexity, these exchanges have the potential to save vast amounts of money.
Our firm decided to become a 3(38) investment manager because playing this role offers our clients administrative relief. By taking on the role of a 3(38) adviser, we accept responsibility for selecting a prudent investment strategy.
With as little as $25 you can begin loaning money to developing world entrepreneurs.
The president’s hope to restrict the plans should actually make owners more interested in creating one.
Trying to wait until market conditions are perfect likely means you will miss a good investing opportunity.
Before a grandmother passes away, both her sons predecease her. Left with only her daughter and grandchildren, depending on her titling one of three things may happen.
Retirement Planning is perhaps the single most important goal of comprehensive wealth management.
The complete guide to saving money while washing your clothes. What temperature should the water be? What cycle should I use? What detergent should I use?
Five principles from analyzing the last decade of returns.
As the wife of a 2013 college graduate and a 2012 college graduate myself, I can boldly say this was the most helpful advice given to me.
The optimum asset allocation to physical gold and silver is 0%. Instead, we recommend you use resource stocks as an inflation hedge.
A dollar saved on taxes is worth more than a dollar earned. If you earn another dollar, they will just tax you again.