Optimal Asset Location
Deep dive into Asset Location Optimization and Tax-Efficient Fund Placement. This is Asset Allocation in Multiple Accounts!
Author Archive: fiphysician
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If You Have Won the Game Quite Playing with Money You Really Need
If You Have Won the Game Quite Playing with Money You Really Need A smart doctor once said, “when you’ve won the game quit playing.” I convinced him to add “with the money you need,” but that is a long […]
On Being a Pseudo-Physician
On Being a Pseudo-Physician I am a pseudo-physician. There I said it! Being a pseudo-physician is an achievement (because I escaped the chains of usual employment due to financial independence), and I happily receive the award given to pseudo-doctors. […]
How the End Began
Tractors and How the End Began I want to share with you the beginning of the end. This is the tractor letter; how the end began. The intention was to set a boundary, to discover myself. She responded with […]
SEPP 72(t) in Early Retirement
Planning for a SEPP 72(t) and FIRE Learning about a SEPP 72(t) is a rite of passage on the journey to FIRE. Do you need a SEPP 72(t)? How can you model one? Or, wait, should I build a 5-year […]
What is the Safe Withdrawal Rate for a Early Retirement?
Safe Withdrawal Rate Early Retirement Early retirement requires a lower Safe Withdrawal Rate. Not only is the future uncertain but there is also a longer future when you retire early! Also, it is more difficult to study the Safe Withdrawal […]
Are you being sold a RILA Annuity?
What is a RILA? What is a RILA, and should you buy one? These annuities are taking off from a sales perspective, so I’m not surprised that you are being sold a RILA. Should you buy one? Let’s find […]
What does the 4% Rule look like in action?
The 4% Safe Withdrawal Rate in Action The 4% Safe Withdrawal Rate is back-of-the-envelope retirement planning. It is heavily talked about (and unnecessarily debated), so let’s see what it actually looks like in action! The 4% Basics Assume you […]
Using a Margin Loan to Purchase Your Home
Using a Margin Loan to Purchase Your Home In early retirement, you may not qualify for a traditional mortgage based on a lack of W2 income. What about using a margin loan from your equities to purchase your home? […]
