Intrafamily Loans Tax Implications If you have oversaved for retirement, you might consider giving your kids or grandkids a loan for a downpayment on a house. The tax implications of these intrafamily loans are important to understand. With […]
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 when you are […]
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 […]
Demographics and the US Economy in the 2020s There seems to be a worker shortage in the US right now. The job (and stock) market is hot despite recent dire recession calls. Why? What about Covid’s effect on the […]
Modeling and Building a Roth Conversion Ladder in Early Retirement Folks get confused when talking about Roth Conversion Ladders, a series of partial Roth IRA conversions, and backdoor Roth IRAs. Here, we are discussing early retirement and trying to access […]
Mitigation of Retirement-Specific Risks For those approaching or already in retirement, “risk” is complicated. Risk usually means market risk or volatility, the fact that the stock market goes up and down. This is especially true for the most vocal […]
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 […]
How to Invest Conservatively for Retirement If you are retiring soon, you might wonder: how conservatively should I invest? What asset allocation should I have given sequence of return risk? First, let’s look at a 50/50 portfolio’s historical returns. That’s […]
Guardrails vs Other Withdrawal Strategies I’ve spent some time looking at withdrawal strategies during the spend-down phase of retirement. The planning software allows me to model several versions, including Guardrails, Floor and Ceiling, and also let future spending be […]
