Bond Tents for Retirement Asset Allocation

Do Bond Tents Beat a 60/40 Portfolio in Retirement?

Bond Tents for Retirement Asset Allocation Bond tents and Rising Equity Glidepaths are styles of glidepaths. Glidepaths describe the modulation of asset allocation before and after retirement. For example, traditional target-date funds decrease stock percentage to or through retirement and […]

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HSA and Medicare Penalty

What is the HSA and Medicare Penalty?

HSA and Medicare Penalty: the HSA Medicare 6 Month Rule     What is the HSA and Medicare Penalty? Did you know that Medicare enrollment impacts your ability to make HSA contributions? That is, you cannot make any HSA contributions […]

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Are Inherited HSA taxable

Don’t Die with your HSA – Inherited HSA

Inherited HSAs Are Fully Taxable the Year of Death Let’s keep this short and to the point: Don’t Die With your HSA! Yes, non-spouses can inherit leftovers from your Health Savings Account. However, while it is tax-free to you, unfortunately, […]

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QHFD

QHFD: A Backdoor HSA?

QHFD: a 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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Cashing Out a 401k to Invest in Real Estate

Cashing Out a 401k to Invest in Real Estate

Cash-out a 401k for real estate investors Have you thought about cashing out a 401k to invest in real estate? Real Estate Investors invest in real assets rather than retirement accounts. Investors with significant qualified retirement accounts discuss cashing out […]

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