Is the 60-40 portfolio dead? The 60-40 portfolio has been used for many, many, years to diversify a person’s bonds and stock portfolio. Over the last few years, market changes, interest rates, and inflation have had people questioning the rule. So, today we will be taking a look at whether or not we should still be using it and what alternatives there are. What is the 60-40 rule? (1:45) What is a better alternative to...
Bonds are an alternative to stock, but they are not risk-free…it still is an investment that can fluctuate in value.
What is your number? You know, that number you have had in mind that means retirement is on the horizon?
You may or not be a football fan, but we’re sure you’ll benefit from learning about the red zone in retirement. In the game of football, the red zone is the last 20 yards before you score. In retirement, the red zone is the last five years before you retire, and the five years after.
Health Savings Accounts have become increasingly more popular over the last ten years, and rightfully so. They are an excellent resource to have as a retiree and we even joke that an HSA is a “Super Roth” (Spoiler Alert: it’s triple tax-free). In this episode, we will explain the exact tax advantages of an HSA. We will also show you how you can get the most out of your HSA as you approach retirement. Listen...
As we mentioned in our last episode, Roth conversions have become a popular strategy and there are plenty of good reasons to do one. What about the reasons NOT to? In our last episode we went over reasons to do a Roth conversion, but today we will be going over reasons you may not want to do one. There are many tax-related factors that come into play when making this decision. We review some examples...
The Roth conversion is a planning strategy that’s picked up more and more interest in recent years. There are many reasons behind its rise in popularity, and now is a great time to have a discussion with your advisor about whether it might be right for you.
You know about the many different types of risk that investors face but there’s one that might have a big impact on whether you run out of money in retirement that you might not know about.
You’ve probably heard the concept of risk versus return but have you thought about how risk impacts everything in your retirement?
Before we really hit the ground running into the financial and retirement topics that matter the most, we wanted to spend a few minutes laying the foundation for the podcast.