Question Everything
I took some form of a personality test many years ago and the results showed, among other things, that I am “a questioner.“That means that I have to know why and how things work. It used to get me into…
James Rutter
Taxable vs. Tax-Free Buckets
Most people don’t realize this, but there are both 𝗧𝗔𝗫𝗔𝗕𝗟𝗘 and 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘 buckets you can use to grow your wealth. Nearly everyone is familiar with the “taxable bucket.” If an investment is in a “taxable bucket” then that means that…
How Many Times Do You Lose When The Market Drops?
How many times do you lose in a down year when you have “managed funds” where you pay management fees. 🤔 In a down year your investment portfolio/retirement account loses money. So you lose once just from the market dropping.…
Is A 529 Plan The Best Way to Save For College?
AN ALTERNATIVE WAY TO SAVE FOR COLLEGE: Many years ago when my wife and I were looking to setup some college funding accounts for our children, we went to our CFP and were given a couple options. One of those…
Fees, The Silent Killer
“It’s just a 1 or 2% fee. It’s such a small amount.” That’s what most people are told and believe, but they don’t understand the effect of compounding negative returns and how it will affect your retirement. The truth is a…
