Should I Self-Insure Long Term Care?

Self-Funding Long Term Care Building wealth and self-funding long-term care insurance gives you the best of both worlds. Since there are no good options for long-term care insurance, the baseline case is self-funding. Neither Medicaid nor insurance are great options; […]

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The "Enough Mindset" In Retirement

“Enough” In Retirement

The opposite of scarcity is enough   The opposite of scarcity is enough. Not abundance. In retirement, it is okay to be enough, and it is okay to have enough. Enough is the goal in retirement rather than abundance.   Scarcity […]

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purpose of that money

The Purpose of “that money”

Annuities in Retirement What is the purpose of that money in retirement? When you buy an annuity, you trade a lump sum to access a risk pool. You pool your risk with others to mitigate the risk. You don’t invest […]

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you cannot take time with you

You Cannot Take Time With You

My Portfolio of Time  You cannot take time with you. When your time is up, there is no more time or money to spend. We must spend our time now before it is too late. Today, some say, is the […]

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Bullet Bond ETFs

Bullet Bond ETFs

Bullet Bond ETFs   Your asset allocation has risk on one side and safer assets on the other. For instance, a 60/40 portfolio has 60% Stocks and 40% Fixed Income. Different ways of structuring your safer part of the portfolio […]

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5 years from retirement asset allocation

Asset Allocation 5 Years From Retirement

Asset Allocation 5 Years From Retirement   What should your asset allocation be five years from retirement? Should you De-Risk your portfolio for retirement? What does a good pre-retirement glidepath look like? Five years from retirement, let’s consider your asset […]

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retirement reinvention

Retirement Reinvention

Reinvention in Retirement     If you are getting ready to retire, you need to understand that retirement necessitates reinvention of yourself. When does your re-invention start? When you start to think about retirement. Retirement is reinvention. Let’s talk about […]

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