The 3-Fund Portfolio in Different Account Types

The 3-Fund Portfolio in Different Accouts

Three Accounts and the 3-Fund Portfolio   Simplicity is a 3-fund portfolio. Total US and International equity funds and a bond fund are baked together in a set asset allocation. There is much more to consider when you have different […]

Continue reading
risk tolerance and asset allocation

Risk Tolerance and Asset Allocation

Asset Allocation depends on Risk Tolerance  Risk Tolerance and Asset Allocation are tied at the hip and depend on age and recency bias. How you understand risk—and how you balance the stock/bond proportion in your portfolio—is the most important decision […]

Continue reading
Quiet Quitting in Medicine

Quiet Quitting in Medicine

Quiet Quitting in Medicine   Quiet quitting in medicine is topical, given epidemic levels of burnout in physicians. While burnout is increasingly discussed, quiet quitting in medicine offers a new spin. Though perhaps paradoxical or contradictory, it has nothing to […]

Continue reading
401a vs 403b

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 can access a 401a vs 403b vs 457b, you work for the government or a not-for-profit hospital system. Which […]

Continue reading
Real spending demonstrating inflation adjusted spending smile

Your Marginal Decade of Retirement

Go-Go, Slow-Go and No-Go phase of Retirement   The “marginal decade,” coined by Dr. Peter Attia, is the last 10 years of life. During this period, physical and cognitive function decline rapidly, and the incidence of chronic diseases increases exponentially. […]

Continue reading