Articles
Senior Investment Advisor · 18 published articles
Your Social Security filing strategy for married couples isn't just about timing, it's about protecting the surviving spouse. See the break-even math and learn why delaying the higher earner's benefit can make a significant difference for…
Read more →Taxes are confusing. The Form 1040 is confusing. Marginal tax brackets are confusing. Sometimes those of us who work around these things every day forget that most people only look at their tax return once a…
Read more →A Roth conversion can save on future taxes, or trigger higher Medicare premiums and a bigger tax bill than expected. See what actually determines the tradeoff.
Read more →The Dry Powder Principle is not defensive in spirit. It is disciplined in design. It allows you to pursue long-term growth while protecting your near-term lifestyle. And most importantly, it ensures that when volatility inevitably returns,…
Read more →See how a pledged asset line let one couple buy their next home in cash, avoid a mortgage, and sidestep capital gains from selling stock.
Read more →Roth IRA and Roth 401(k) early withdrawals follow very different rules. See which one to tap first before age 59½, and how to avoid pro-rata penalties.
Read more →Don’t assume you only need a Last Will & Testament once you’re “old.” Anything can happen at any time. Even a bare-bones plan is better than leaving your family completely unprepared, especially if there are minor…
Read more →It is tax season, likely the most (un)wonderful time of the year. No one likes taxes, not even accountants.
Read more →When it comes to investing, I have seen how FOMO can easily tempt a would-be disciplined investor to modify their long-term investment strategy in exchange for their emotions pushing them to ‘hit a home run’. And…
Read more →I spend a fair amount of time helping people with their benefits filing strategy. Oftentimes, I discover that would-be retirees are not aware of how filing early could have a negative impact on their monthly Social…
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A clear, no-pressure guide to deciding whether converting pre-tax retirement savings to a Roth may fit your situation.
