“End of Plan” – A Vital Financial Planning Decision
You might be unaware of the giant ripples created when you adjust your assumed longevity in your financial plan.
The Best Interest »
2026
Why I Joined A New Firm
I’m excited to share that I’ve joined one of the fastest-growing, most forward-thinking independent financial planning firms in Upstate NY.
Using Fidelity, Schwab, or Vanguard as Your Advisor?
Reader Doug wrote to me this week: Any thoughts on using one of the ‘Big Three’ as a financial advisor. Fidelity, Schwab and Vanguard have… Read More »Using Fidelity, Schwab, or Vanguard as Your Advisor?
Will US Stocks Continue to Outperform International Stocks?
Do you (or your advisor) have skill at making macroeconomic bets? If not, then home-country bias is an unrewarded active risk.
Do *Not* Withhold Taxes from Your Roth Conversions
By electing this withholding choice, you are using qualified Roth IRA dollars to pay your taxes. That could probably be the end of the article… Read More »Do *Not* Withhold Taxes from Your Roth Conversions
If You’re Not Thinking About “Full Price,” It’s Holding You Back.
We are asking the wrong question. “Can we afford it?” focuses on a sticker price. And we’re missing the bigger issue.