risk tolerance and asset allocation

Risk Tolerance and Asset Allocation

Risk Tolerance affects Asset Allocation  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 an […]

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are stocks less risky over time?

Are Stocks Less Risky with Time?

Stocks and Time   People say that stocks get less risky the longer you own them. Actually, stocks are riskier the longer you hold them. You know: don’t invest money you need soon. But for the money you need in […]

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IRMAA 2023 roth conversions

IRMAA 2023 and Roth Conversions

IRMAA 2023 and Roth Conversions IRMAA stands for Income-Related Monthly Adjustment Amount. What a mouthful-She is a modest penalty for a high-income retiree to swallow. What you do now affects your IRMAA Brackets two years from now! Two aspects make […]

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The Health Benefits of Compassion

The Health Benefits of Compassion

The Health Benefits of Compassion   Cultivating compassion in your life brings not only inner peace but good health. If you want to be a healthy human in 2023, you understand that there are health benefits to mindfulness. Above and […]

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advice-only

Advice-Only Retirement Planning

What Is Advice-Only Retirement Planning? Advice-Only Retirement Planning. My version is hourly planning, and you keep access to professional planning software to use in your future planning. Contact me PRN. Advice is the value.  

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Hope and Optimism

Hope and Optimism

Hope and Optimism   Now and again, I turn to hope and optimism because it is fun. While I admit I’m a gruff pessimist most of the time, I do hope and have optimism for a better future. Hope is […]

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QHFD

QHFD: Using IRA to fund HSA

QHFD: Qualified HSA Funding Distribution QHFD (Qualified HSA Funding Distribution). What a fun term. If you are less than 59 years old and have an HSA, consider funding it with your IRA. Especially if an inherited IRA or there is basis […]

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Awakening as Re-Discovery

Awakening as Re-Discovery

Awakening as Re-Discovery   Awakening means re-discovering your buried heart and soul. Who is your authentic self? When awakened, you are curious about your thoughts. Also known as “metacognition,” while it is re-discovered from different paths, you better understand the […]

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