The Math of Gains and Losses
Understanding the math of gains and losses is an important investment management skill. The best way to learn it is through running the numbers. Below is a percentage gain calculator…
Tax Planning: Start with Tax Bracket Management
Tax planning is all about keeping more of what you've earned. Effective tax planning must start with tax bracket management. Tax bracket management is about WHEN you pay your tax.…
Roth Conversion Planning Process for 2022
If you had the choice … Would you pay sales price or full price? We all like finding a good deal. This is what makes Roth Conversion planning so great.…
Old habits die hard
You've likely read that our childhood experiences often linger through adulthood and influence our decisions with money. As someone very curious about all things money I think about this phenomenon…
Why drawdowns matter
Drawdowns are public enemy #1 for retirement portfolios. What are drawdowns? It's the amount an account falls from it's previous high point. Year 1 = 20% investment loss. Year 2…
It’s All About Cash Flow
The happiest retirees have a confident cash flow plan. A confident cash flow plan doesn’t mean it’s bulletproof. The future is unknowable. Uncertainty is never eliminated. A confident cash flow…
What Retirees Really Want
“RICH PEOPLE ARE JUST POOR PEOPLE WITH MONEY” - ANONYMOUS Throughout my career, I’ve been blessed with great experiences. Most of these experiences come from the nature of my job.…
Democrat Tax Proposal: Tax Planning Calculator
Democrats released details of proposed tax increases on September 14, 2021. This is phase one of Biden's new American Families Plan tax proposal. You might be wondering... what will it…
The Tax Triangle
Building wealth isn’t about what you earn, it’s what you keep. Understanding the Tax Triangle is a great start in understanding how to increase what you keep. The Tax Triangle…
A Guide to Holistiplan: Best-in-class tax software
Analyzing a tax return is a complex and time-consuming process. Holistiplan simplifies this process through its state of the art tax planning software. After years of preparing tax returns I…