Sources of Income in Retirement What are the sources of income in retirement? Let’s develop a semi-comprehensive list and discuss when you might access each. Sources of Income Retirement accounts IRAs and 401k plans represent the largest bucket of […]
Roth Conversions Let’s talk about what is new for Roth Conversions. The point: there are many different types of Roth conversions, and they may be affected differently by changes in the law in the next few years. Let’s start with […]
Retiring Physician Checklist Retiring Physician Checklist. Physicians love to make lists and check off stuff. ABG, check. CXR, check. Notes and basic hygiene… later. What about retirement? What list of items do you need to check off in your retiring […]
Are Target Date Funds Useful In Retirement? Let’s discuss reasons not to use target-date funds during the retirement drawdown phase. A fund-of-funds (like a target-date fund) is simple, efficient, and easy during accumulation. Remember, though, during de-accumulation, everything changes. […]
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 […]
Upstream Gifting and Gifting Gains What is upstream gifting? What if you gift your elderly parent an asset with massive capital gains? What if they held them until they get the step-up in basis at death, and then you inherit […]
If You Have Won the Game Quite Playing with Money You Really Need A smart doctor once said, “when you’ve won the game quit playing.” I convinced him to add “with the money you need,” but that is a long […]
What are the Mitigatable Retirement-Specific Risks? So, what are the mitigatable Retirement-Specific risks? We have looked a little at which risks are worth mitigating in retirement. Then there is the how. How do you mitigate those retirement-specific risks. Next, […]
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.
