Higher Interest Rates are Definitely (maybe) Coming (eventually). Should I Sell My Bonds?

The thing I find most interesting about investing is how paradoxical it is: how often the things that seem most obvious—on which everyone agrees—turn out not to be true.” --Howard Marks, Co-Founder Oaktree Capital Management You may have heard the saying that “economists (and/or markets) have predicted 9 of the last 5 recessions.”  Perhaps then, [...]

Medicare Open Enrollment: Important Considerations and Mistakes to Avoid

With the annual Medicare Open Enrollment upon us (October 15th – December 7th), we thought it would be helpful to highlight some key areas that you should focus on during this time to make the most of this valuable benefit. Original Medicare or Medicare Advantage – You can change between the two (from Original Medicare [...]

Long-Term Disability Insurance – Group vs. Individual Coverage

From an economic perspective, insurance is useful to protect against low frequency, high severity events.  Quite simply, we are well served to insure infrequent events that would be financially devastating like the loss of a home to fire or an untimely death.  This ultimately begs the question of why people purchase insurance to protect against [...]

IRA Rollover or Leave Assets in a 401k?

In a country founded on the idea of individual freedom, Americans value the idea of choice.  We inherently believe that maximizing individual freedom increases our individual welfare or happiness and that the best way to maximize individual freedom is to maximize choice.  A bar with 120 beers on tap is perceived better than a bar [...]

Good and Bad Reasons Why High Income Earners Miss the Opportunity With 529 Plans – Part I

Related Posts: Part II: High Income Earners and the Math of 529 Contributions Is Overfunding 529s Really so Terrible? More than 50,000 visitors in 2021… click here to sign up for our newsletter and never miss a post! (Don’t worry, we will not take up too much space in your inbox.  After four fun introductory [...]

How the Pandemic Can Affect Retirement Planning

Anyone who remembers the stock market crash of 2007 and the recession that followed may remember the panic and devastation this caused for newly retired individuals and those about to begin retirement. Work with the retirement consultants at Resource Planning Group of Atlanta, Georgia, to find out how the coronavirus pandemic might affect your retirement [...]

High Income Earners Fail to Appreciate the Math of 529 Plans – Part II

We made the case in this earlier post that Section 529 College Savings Plans present a huge tax saving opportunity for high income parents but that most fail to exploit the opportunity.  Based on experience and observation, we cited five reasons that parents and grandparents fail to maximize the potential benefits.  Two of those reasons [...]

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