Happy New Year everyone! I hope you’re enjoying the time off and doing some reflecting. I’ve returned to San Francisco and am ready to relax some more! Now that I’ve shared my 2024 year in review, I wanted to share my goals and resolutions for 2025. Although 2024 was a great year, I still have … Read more
“How much can I spend in retirement?” is perhaps the most fundamental question a client brings to their advisor. Answering it well requires a range of assumptions – from estimating average investment returns to understanding correlations across asset classes. These assumptions are rooted in Capital Market Assumptions (CMAs), which project how different assets might perform … Read more
Is FIRE – Financial Independence Retire Early – the best way for most of us to change our lives for the better? Author, podcaster, and entrepreneur Rob Dix is back to suggest another approach. Please enjoy this extract from his upcoming book: Seven Myths About Money: And The Truth About Finding Financial Freedom. MYTH – … Read more
There’s a lot of enthusiasm for Roth IRA conversions and Mega Backdoor Roth IRAs—and for good reason. Paying taxes upfront on your retirement accounts can be a savvy move, especially if you’re in a mid-to-lower federal income tax bracket, as it allows for tax-free withdrawals in the future. That said, thanks to the latest standard … Read more
A reader asks: A little about me: I’m 38 (getting close to middle age) and moved to the U.S. from India in 2008 for my master’s degree. I started working full-time in 2011 but delayed contributing to my 401(k) until 2014, as I wasn’t sure I’d stay here permanently. Life changed when I met … Read more
