Over the last couple of years in a higher interest rate environment, the appeal of I Bonds went from Zero (kind of like their returns prior to 2021) to Kardashian-level break-the-internet appeal. Many clients have asked if they should get on that train. My answer – as always – is “it depends.” Last week’s blog…
After many years of low inflation, starting in 2021 I Bonds began having their moment. So, here is a primer on how I Bonds work (today’s blog) and how you might use them in your portfolio (next week – that’s right, a two-part cliffhanger blog!) I Bonds are a type of U.S. Treasury savings bond…
Thanks to alert reader and all around supportive husband Sean Sullivan for showing me this graphic from Visual Capitalist illustrating how much income it takes to live comfortably in each state. This is helpful in my business, because often clients talk about relocating to a less expensive place to live. But what does…
It’s looming! Around the country, freshman dorm move-in date is coming up in 2 weeks. Let’s all join hands and NOT spend as much as a semester’s tuition on stuff for our kids’ dorm rooms. Now, I realize that some of you have girls and it’s going to be much harder to reign in the…
Do we have to be serious all the time about investments? Here’s hoping that even when stocks and bonds go down, a sense of humor can keep us from making emotional trading mistakes.
I’ll make this quick: Roth Conversions for people entering retirement are often not the best idea, despite what you read in (numerous, unending, relentless) articles in financial media. Yes, some of you may have outsized buckets of tax-deferred money, which means you did a great job saving in tax-deferred retirement accounts when that was the…
Waaayyyy back in the day, when I worked for a large discount brokerage that shall remain unnamed, but was headquartered in Boston, and still shall remain unnamed, management introduced a groundbreaking new software called the Retirement Income Planner. The irony that our new offering for those transitioning to retirement was called R.I.P. was not lost…
Have you ever wondered why your financial advisor describes your retirement readiness in terms of a known gambling mecca? Is he or she so uncertain of their advice, that they are actually saying it’s all just a crap shoot? It might help to explain the progression of retirement projection techniques by giving a little history.…
It feels like a tale of two economies out there. On the one hand, headlines talk of lower unemployment claims and plenty of job openings. On the other hand, clients from experienced professionals to my teenaged kids are sending out 100 resumes and barely getting a look. What is up? Here are some insights: Economic…
The Oracle is not me. It’s always good to hear wise words from someone who has been there and done that. When world news seems ever more dire, you may be wondering how to handle your investments in the face of uncertainty. Who better than Warren Buffett to soothe our collective worried brow? Here are…
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