The High Price Retirees Pay for Collecting Social Security Too Early

A lot of money can be left on the table when retirees collect Social Security too early. Read on about a recent study that illustrates why it pays to wait. Source: The Wall Street Journal Feb. 18, 2023. The High… Continue reading

Illustration by Jenn Liv

Financial Planning for Retirement: It’s More Accessible, but Be Careful

Financial planning has become a universally critical tool in planning for retirement. When hiring a financial planner, heed the advice that Mark Miller provides in this excellent article. Source: The New York Times, January 6th, 2023 Financial Planning for Retirement:… Continue reading


Hardship 401(k) Withdrawals, Explained

The current global economic situation is very demanding. A surge in inflation has stressed many family budgets. As a result, more people now rely on loans from their 401(k)s to bridge the gap in their expenses, according to data. The… Continue reading


The Rich Get College Subsidies While the Student Debt Debate Goes On

While we agree with the majority of this New York Times article, the challenge here is that it is critical and judgmental about an investment practice that has long been recognized as ‘best practice.’ Using 529 savings plans to save… Continue reading

With tax-loss harvesting, investors can use stock losses they incurred this year to offset realized capital gains. ILLUSTRATION: MIKEL JASO

Year-End Tax Moves That Investors Should Consider

Smart financial investors don’t just think about stock market gains and losses. They also look for ways to balance their investment accounts in order to minimize the taxes they must pay. After all, more money in your account is more… Continue reading

Power of Donor Advised Funds

Should I Start a Donor-Advised Fund?


It seems like everyone these days has started a foundation. There’s a reason for that. It’s easier than ever to create one and there are many incentives to go down that path, even with smaller amounts of money. The reason… Continue reading

a group of old friends singing, dancing, and playing guitar together

3 Questions Your Advisor Should Ask About Aging


When we’re young, retirement can feel like a far-off concept, more fantasy than reality. It’s in our middle years that the reality of aging and approaching retirement starts to hit home. By “home,” I mean your actual home, if you… Continue reading

What to Do with Inherited Money in a Volatile Market

What to Do with Inherited Money in a Volatile Market


The late John Bogle, the founder of Vanguard and for many decades the strongest proponent of common sense investing, had a wonderful way with words. By turning a phrase inside out he could change one’s perspective completely.  During challenging markets… Continue reading

Buying a House with Cash - Pros and Cons

Buying a House with Cash: Pros and Cons


Traditional home buyers should think through the implications of buying a house with cash and fully understand the long-term effects of such a decision. Today’s housing market clearly has buyers coming to the bargaining table with an offer that’s hard… Continue reading