We strive to provide the necessary resources for anyone to prepare their own investment plan and meet their financial objectives. We actively encourage the do-it-yourself people of financial planning to subscribe to our newsletter and provide themselves with comprehensive wealth management. For people who don’t want to do it alone, we encourage you to see if we are a good fit for you and get started as a client.
How to Budget for Emergencies
on March 4, 2025
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It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.
#TBT Fund Your HSA To Cover Retirement Healthcare Costs
on February 27, 2025
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This 2007 post offers us a bit of timeless advice. Funding a Health Savings Account can be as much about your present medical bills as it is about your end of life care.
Professionals Agree: Having a Fee-Only Advisor Matters
on February 25, 2025
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We write frequently about the value of having a fee-only fiduciary as your financial planner. In this article, I compiled others’ voices on this same issue.
#TBT How to Calculate Your Own Safe Spending Rate
on February 20, 2025
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Questions regarding spending are often best solved by determining the safe withdrawal rate.
How to Find the Fidelity Secure Message Center
on February 18, 2025
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Even Fidelity says that their Secure Message Center is hidden and they should have a tutorial to find it.
#TBT The History of Mutual Funds
on February 13, 2025
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93 years ago there was only one mutual fund. Today, there are thousands. This 2003 article tells the story of how this staple of the financial services world got its start.
The Right Day to Distribute Your RMD Monthly
on February 11, 2025
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If you want to take our word for it, you can schedule your monthly RMD for the 8th. If you are curious as to the calendar math that suggests this date, read on.
#TBT It is Time to “Scrap the Tax Code”
on February 6, 2025
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Our first article posted online is a wonder to behold. This 1998 beauty is written by George Marotta, founder of Marotta Money Management. In the article, he reminds us that, “Anyone of us could design a better system, but 500 congress people cannot resist the pressure groups who want to twist the code to benefit their particular constituencies.” Decades old, this post still rings true today.
Freedom Investing’s Returns Have Been Disappointing But Normal
on February 4, 2025
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The fact that a strategy can routinely underperform by -6% while still having an average out performance of +2% is a perfect representation of the inherent volatility of the markets.
#TBT How Long Should I Give An Investment Plan?
on January 30, 2025
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Even the most brilliantly crafted investment plan has to be given time to work.
Freedom Investing in Review (December 2024)
on January 28, 2025
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In 1-year returns ending December 31, 2024, Emerging Markets outperformed Emerging Markets ex-China by 10.1%
#TBT Realize Some Capital Gains Each Year To Keep Taxes Low
on January 23, 2025
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There are at least four different capital gains tax rates. This 2017 article has how to minimize your tax owed at each one.
#TBT A Short History Of Wall Street
on January 16, 2025
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Only recently has Main Street been so fully invested. This 2007 article chronicles how it all got started.
Q&A: What is Your Client’s Average Portfolio Size and Life Stage? (2025 Update)
on January 14, 2025
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We have a large distribution of clients at all portfolio sizes and, surprisingly, have all life stages nearly equally represented.
#TBT Fourteen Ways to Avoid Paying Capital Gains
on January 9, 2025
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The capital gains tax is economically senseless. This 2014 post has fourteen of the loopholes the government’s gain tax unintentionally incentivizes.