Practical, Boston-anchored insights on retirement income planning, Roth conversions, the flat-fee model, and how to choose a fiduciary advisor.
Not always. Plenty of people with $5 million manage their own money well. But at $5 million the hard parts are no longer picking investments. They are taxes, Medicare surcharges,…
Not always. Plenty of people with $5 million manage their own money well. But at $5 million the hard parts…
A backdoor Roth lets someone whose income is too high for a direct Roth IRA contribution put money into a…
If you are married, the first $500,000 of gain on your home is tax-free ($250,000 if you are single). Everything…
If you are married and your combined assets — house, retirement accounts, investments, everything — are above roughly $2 million,…
You diversify a concentrated stock position by selling it down on a written schedule while controlling which tax bracket each…
A qualified charitable distribution (QCD) is a direct transfer from your IRA to a qualified charity that never enters your…
If you inherit an IRA from anyone other than your spouse, you almost certainly have to empty the entire account…
Tax-loss harvesting is real but badly oversold: banking a capital loss usually does not eliminate tax, it only delays it,…
Most retirees should hold 12 to 24 months of portfolio withdrawals in cash — not 12 to 24 months of…
No, Social Security will not run out. The program’s trust fund reserves are projected to be depleted in the early…