I came across this news story about Millennials and retirement. I have not read the book yet (although I just ordered it and will read it shortly) but the idea seems pretty straightforward. Being a millenial, and having a client base that skews heavily millenial, I...
I get asked a lot about whether people should put their money into a ROTH IRA or a Traditional. It is always a tough question and usually the answer is “it depends”. But I thought I would lay out a little quick “rule of thumb”. First a quick refresher: A ROTH IRA (or...
One of the more common questions I get asked by my client is what to do with the cash they have sitting in a savings account making, well, nothing. I always recommend having cash in a savings account (how much is a story for a different day!) but if you have ever...
I ran across this pretty cool site the other day courtesy of one of my clients, @distefam. It basically back tests (checks against historical data) various versions of popular evergreen portfolios. These are portfolios like the Permanent Portfolio that are designed to...
I have referred a bunch of you over to Betterment.com for investment account and this just came up in the CFOAndrew Slack Channel. Here is a great article/video from the founder. So many of his points tie out to why I do what I do, which is why I love it. I love the...
Came across a great article about withdrawal rates. What is a withdrawal rate, you ask? Nailing it is the holy grail of financial planners and is in fact the only thing you really care about in retirement. It is the rate at which you withdraw money from your...
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