To convert or not to convert? Too often investors want to convert to a Roth IRA without fully understanding the risks, benefits, and how a…
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Is a Roth Conversion Right for You?
Err on the Side
“Most people make their investment decisions on the basis of an unreliable hodgepodge of half-baked logic, biases, hunches, emotion, and vague fantasies or fears about the future.” – William Green, author of Richer, Wiser, Happier We hear a lot of...
read moreWhy are ETFs Tax-Efficient?
“Those of you who make investments outside of any retirement accounts are absolutely crazy if you are using actively managed funds rather than ETFs.” Suze…
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Why Trend Following Could Make Sense for Retirees
“To be uncertain is to be uncomfortable, but to be certain is to be ridiculous.” – Michael W. Covel, American author. Most investors have heard…
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Retirement Simplicity is Beautiful
“Life is really simple, but we insist on making it complicated.” – Confucius, Chinese philosopher My morning inbox routine, delete, delete, delete… “Boom in Securities-Based…
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The Biggest Risk to New Retirees
“Consider two degenerate gamblers flipping a quarter for $100 per flip. One of the gamblers has heads and the other has tails for the duration…
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Is the 4% Rule Dead?
Mental shortcuts or heuristics are used to make quick decisions, either because of time constraints or to simplify a complex problem. The further away a…
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Monte Carlo Analysis: Worthless or Worthwhile?
“Oh, Monte Carlo, I’ve done that. It’s worthless!” “This simulation is the greatest thing ever!” “I don’t know what I’m going to do. I’m waiting…
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What is Your “Enough?”
“Mo money, mo problems.” – Notorious B.I.G Unless your name is Jeff Bezos, most of us will never be the richest person on the planet….
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Mitigating Damage without Placing a Trade
“We will all feel pain in the next recession or stock market drop, but what can we do now to mitigate the damage?” – Pure…
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