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 […]
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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? […]
Early Retirement Plans for Physicians
Physician Early Retirement Plans Physician early retirement is not a novel idea, but perhaps one that now has a more developed framework. It is an idea whose time has come: take back the keys to your j.o.b. and work […]
Equity-Alternatives in Asset Allocation Discussions
A Unified Asset Allocation Equation Asset Allocation can be more useful. The intent of asset allocation is to reflect the amount of risk to which you are exposed. But what about assets that are not stocks or bonds? Equity-Alternatives are […]
Have a 401a vs 403b? 457b? Physician Retirement Plans
401a, 403b, and 457b Plans Physicians are high-income professionals who optimally defer income into retirement plans during peak earning years. If you have access to a 401a vs 403b vs 457b then you either work for the government or a […]
Friendship- How Can We Meet to Support One Another?
How can we meet to support one another? All you love, if you let it go, it will return. That is like friendship when true and honest. What is the value of friendship? And how can we meet to […]
Teach Children Hope
Teaching Children About Hope Hope can and should be taught to our children. While temperaments such as optimism or pessimism may be less malleable, hope is learned. Children will take certain actions as they hope for a good […]
Structured Product as a “Hedge”
Structured Product as a Hedge Are you being sold structured products as a hedge? What is a structured product, and why should you avoid them? Or, if you are convinced that they do in fact offer downside protection, what do […]
