Do I Really Need Bonds in my Portfolio?
In a New Era of Bonds Do I need Bonds in my portfolio? We are in a new Era of bonds, so I thought it was time to ask whether I need bonds in my portfolio? Bonds, not Cash […]
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Sources of Income in Retirement
Sources of Income in Retirement What are the sources of income in retirement? Let’s develop a semi-comprehensive list and discuss when you might access each. Sources of Income Retirement accounts IRAs and 401k plans represent the largest bucket of […]
How to Get Motivated in Retirement
Motivation and Intention in Retirement There is a lot of stuff to do in retirement. If you choose to be busy, you can! But what motivates you to do the things you love doing, and how reliable are those […]
When Should I Stop Disability Insurance?
Disability Insurance- When Should I Stop Once you are Financially Independent (FI), you no longer require income to pay bills. If you don’t need your income to pay bills, you don’t need disability insurance! So, when should you drop disability insurance […]
How Roth Conversions are like Longevity Insurance
Roth Conversions are Longevity Insurance Roth conversions are a little like longevity insurance! Longevity insurance pays you more the longer you live. It protects against living too long a life. Social security is longevity insurance, too. Interested? Let’s talk about […]
Partial Roth Conversions
Roth Conversions Let’s talk about what is new for Roth Conversions. The point: there are many different types of Roth conversions, and they may be affected differently by changes in the law in the next few years. Let’s start with […]
What is the Widow’s Penalty?
Widow’s Penalty: Increased Taxes after Loss of a Spouse What is the widow’s penalty? What happens at the death of the first spouse? After the emotions, there are also tax and financial implications: The Widow’s Penalty. Also known as the […]
Mega Backdoor Roth
A Step-by-Step Guide to the Mega Backdoor Roth The Mega Backdoor Roth is an excellent way for high-income earners to tuck away a ton of Roth money for retirement. There are a couple of things you need: High Income a […]
A Priceless Retirement Revelation
Retirement Revelation Retirement revelations are priceless. In a short time, you can reinvent yourself, anytime you choose, and retirement is a great time to make that choice. Every day, you can decide who you want to be and how […]
