Fast/Cheap/Good and the Illiquidity Premium The Illiquidity Premium is paid to those who allow others time with you money in order to earn outsized returns. While it is nice to have some liquid funds to pay emergency expenses, much of […]
Written Before Variants or Vaccines: From Killer to Common Cold A year after my book From Killer to Common Cold was published—well, what has changed? Did I get it right… or? Composed before variants and vaccines, what […]
Bridge the Gap – Social Security Bridge Strategy Social Security Bridge Strategy: This comprehensive guide helps you Bridge the Gap to optimize social security. For many, Social Security optimization is an important component of retirement financial security. How can you […]
RMD Strategy: Asset Allocation of RMDs Even if you have oversaved for retirement, once RMDs begin, you must withdrawal funds every year. What should your asset allocation be given RMDs, and how much “Safe Money” do you need because […]
Generalized Retirement Advice is The Retirement Mistake Here is the retirement mistake: generalized retirement advice. Think about what you hear on TV or read in the popular press. What passes for generalized retirement advice is often inaccurate or worse. Why […]
How can you maximize your social security bend points? Do you want to retire early but still get as much social security as possible? If so, you should understand the bend points of social security. Most financial planners don’t […]
Safe Withdrawal Rate Early Retirement Early retirement requires a lower Safe Withdrawal Rate. Not only is the future uncertain, there is a longer future when you retire early! Also, it is more difficult to study the Safe Withdrawal Rate over […]
What is Middlescence, and how does it change your investing? Middlescence is a time of life with unique challenges — including investing. Yes, middlescence is a real word—meaning—the middle part of your life, especially when it is filled with […]
Portfolio Stress Testing A Portfolio Stress Test is an important consideration when considering the resiliency of your present assets in the light of future potential risks. Future risks include known risks—market crashes, for one—and potential risks such as inflation and […]
