I Thought The 60/40 Portfolio Was Dead??
I Thought The 60/40 Portfolio Was Dead?? At least that’s what the financial media was saying in 2022 when the 60/40 was having its worst year in past 50 years, returning -17.8%.
HSA & HDHP Increases For 2025
The IRS released Revenue Procedure 2024-25 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2025.
The Case For Muni Bonds
How about a 6.40% yield* for a AA rated school district? Sounds interesting, right? If you are a small business owner in California, looking for passive income, and tired of being gouged by taxes, consider California Municipal Bonds
An Update on I-Bonds
Remember when I-bonds were all the rage?? If you purchased I-bonds in August of 2022 when a popular investing website article declared "Run, Don't Walk, for I-Bonds," your investment would be yielding 2.96% right now.
2024 Tax Planning
Congrats! You just finished paying your 2023 taxes! Now is the perfect time to get started on tax planning for 2024.
The Profit First Method
The Profit First Method is a way to transform your business by separating profit from your income first, and then paying expenses after. This ensures you are reserving enough cash to pay yourself and creating a cushion for expansion, taxes, a slowdown in income, or unexpected expenses.
The Tax Hack Every Investor Should Know
IRS Code 852(b)(6) is the greatest tax hack that every investor should know.
Passive Income Vol. 4: Bond Ladders
Bond ladders are a series of fixed income investments with different maturity dates. Over time you will receive interest payments, usually semi-annually, as well as your initial investment at maturity.
The Solo 401k
ATTN: Solopreneurs – The Solo 401k is the secret wealth hack you didn’t know you needed. If you are a business owner and your only employee is yourself, you can save a massive amount in taxes by opening a Solo 401k plan. These plans can be setup at a reputable firm like Charles Schwab, and often have low/no fees.
Time In The Market > Timing The Market
The human brain is laughably terrible at being able to correctly predict when you should buy and sell investments. Here are some fun facts that show the benefit of staying invested for the long term.
Money Avoidance
Money Avoidance - Not wanting to look at your financial situation, over fear of shame or guilt about what you may find.
You are not alone.
The American Dream
From 1980-2023, the U.S. housing market returned 8.6% while the S&P 500 returned 14% when including dividends.
Passive Income Vol. 3: Preferred Stock
Not quite a bond, and not really equity, preferred stock sits between these two major portfolio building blocks in the capital stack. So why should you consider adding preferred stock to your portfolio?
Financial Habits
40% of your daily actions are habits, not decisions!
Market Timing
"Stocks are so expensive! I can't invest now!" - Everyone
The Fixed Income Fallacy
"My advisor picks the best bond funds. These portfolio managers can add alpha because bonds are less liquid than equities." 🤔 🤔
Passive Income Vol. 2: Municipal Bonds
Tax-free income and protection of capital?!?!… Its not an IUL, its municipal bonds!!
Passive Income Vol. 1: REITs
If unclogging toilets at 2am at your rental property is not your idea of passive income, then you may want to consider a Real Estate Investment Trust.
A Rudderless Boat
A rudderless boat only has the freedom to sail in circles.
Lessons From Dish Network
Charlie Ergen, the co-founder and chairman of Dish Network, is in a tough spot. After amassing $26bill in debt, Dish has to shore up their balance sheet while trying to negotiate with its bondholders.