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Estate Planning Financial Planning PT5 Planning Philosophy Retirement Planning Uncategorized

Ancient Wisdom of Pharaoh’s Dreams

Every workday I spend 30 minutes reading. This habit developed about 5 years ago after I was introduced to the world of personal development by my good friend Kevin. He’s been a big influence on my life, usually leading me to be a better person by example.  I try to read books about topics that […]

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401(k) Estate Planning Retirement Income Retirement Planning Social Security Tax Planning Taxes in Retirement Trusts Wills

The Plight of a Retired Widow–Part 2

In last month’s publication we explored the complications that can arise when a retirement plan is designed for a married couple (filing taxes jointly) suddenly gets turned on its head at the passing of one of the spouses. This month we will examine the real-life challenges from the view point of fictional couple, William and […]

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401(k) Estate Planning Retirement Income Retirement Planning Social Security Taxes in Retirement Trusts Wills

The Plight of a Retired Widow–Part 1

Death is never fun to talk about. However, it is an inevitable part of life. In 1789 Benjamin Franklin wrote in a letter to Jean-Baptiste Le Roy,    “Our new Constitution is now established, and has an appearance that promises permanency; but in this world nothing can be said to be certain, except death and taxes.” […]

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Estate Planning Financial Planning

Deconstructing the pro-investing argument against paying off your mortgage

Deconstructing the pro-investing argument against paying off your mortgage: In next month’s newsletter we’ll deconstruct several of the pro-mortgage viewpoints. We’ll stress test various rates of return assumptions in an attempt to determine where mortgage intertest rates and portfolio returns cross over from advantageous to disadvantageous. In doing so I hope to identify the level […]