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Like how diner coffee gets more bitter as the waitress tops off your cup with more coffee from the pot, so too the growth on your nondeductible assets increases your tax owed by decreasing the percent post-tax assets in your cup.

Sometimes the change can be in a direction you did not expect.

You can’t invest for the future in the future. Don’t let your fear of the future ruin your future.

Every pay period, pay yourself first. You won’t miss what you don’t see.

Yikes! This is a costly mistake.

Failure to plan for retirement is the primary reason why retirement plans fail.

Trusts are like Calvinball except that the government is trying to play referee. It is quickly confusing.

Retirement doesn’t give you a second chance. Measure twice and retire once.

Families that consider generational financial planning techniques can reduce the burden of taxes on the family as a whole.

Unfortunately the age restriction makes the charitably-inclined young, who are more likely to be in the 0% capital gains bracket, unable to make QCDs.

I have learned there are so many more wise plans than just “top of the bracket” conversions.

I normally try to refrain from “bashing the competition,” but in this case, the competition’s practices are, at least to me, a moral issue.

Find out today how much you should be saving and investing this month! If you think a $1 million dollar portfolio is overkill, you haven’t really run the numbers.

A few years ago, there was a great rise of so-called robo-advisers, computer programming that enabled setting a simple asset allocation on the security level and then automatic rebalancing to those targets for each security.

You are unlikely to need funds for any long-term care episode until about age 85. Given the long time horizon, we suggest investing your HSA for appreciation.