Upstream Gifting
Upstream Gifting and Gifting Gains What is upstream gifting? What if you gift your elderly parent an asset with massive capital gains? What if they held them until they get the step-up in basis at death, and then you inherit […]
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How Often Does the Yield Curve Stay Inverted for 14 Months?
How Often Does the Yield Curve Stay Inverted for 14 Months? The yield curve has been inverted for 14 months, and we have not had a recession. How common is the yield curve to be inverted for so […]
Codependency
Codependency Codependency is hard to wrap your mind around. I couldn’t do it for 20 years. It just never made sense to me; it was as if the synapses wouldn’t fire. Now it is not as if the term […]
Why Fiduciary is Meaningless
Doctor “Financial Advisor” is Why Fiduciary is Meaningless Fiduciary is meaningless when describing financial advisors. Fiduciary is a shortcut for fee-only, meaning you don’t accept commissions or sell insurance products. But it doesn’t mean you provide common sense recommendations […]
Optimal Asset Location
Deep dive into Asset Location Optimization and Tax-Efficient Fund Placement. This is Asset Allocation in Multiple Accounts!
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. […]
Tax Planning Window in Retirement
Tax Planning Window to Save in Lifetime Taxes What is the optimal time to do tax management for retirement? The tax planning window! Not infrequently, that tax strategy is a yearly series of partial Roth conversions. These pre-pay future taxes, […]
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 […]
