MAR 2025
The Roth Conversion Window Most People Miss
The years between retirement and required withdrawals are often the cheapest time to convert. Waiting past 73 usually costs more in lifetime tax than it saves.
INSIGHTS
Planning notes for long-term investors
Short, fee-only perspectives on the decisions that actually move a plan forward.
JAN 2025
Why We Rebalance on Bands, Not Dates
A calendar rebalance ignores what the market actually did. Threshold-based rebalancing trades less, harvests more losses, and keeps risk where you set it.
NOV 2024
Social Security: The Case for Waiting Until 70
Claiming early feels safer, but for most married couples the survivor-benefit math favors the higher earner delaying as long as possible.