Market downturns are uncomfortable, but they can create planning opportunities. Some of the most valuable planning moves invovle taxes, timing, and flexibility.

Learn how the Investment Decision Filter helps investors make informed choices by evaluating risk, return, cost, and taxes together. A simple way to avoid one dimensional decisions and improve long term outcomes.

Robo-advisors offer low fees, but taxes from trading and distributions can impact your true return. Learn why net cost should include both platform fees and after-tax results.

Learn why the overlooked Backdoor Roth should be considered a staple for high-income households. Understand its limits, spousal IRA options, and key rules.

Pension retirees face a higher tax floor in retirement than non-pension retirees. Learn how FERS and other pension households can plan for taxes through Social Security timing, RMD management, Roth strategies, taxable accounts, and early pre-retirement planning.

A simple year end financial checklist covering retirement deadlines, tax moves, FSA and HSA rules, Roth conversion timing, and key planning reminders to prepare for the new year.

A high yield savings account protects your balance, but taxes and inflation can still reduce your real return. Learn when a HYSA makes sense and where it falls short.

Retirees with more than enough savings can invest legacy dollars with a long time horizon. Learn how separating income needs from wealth transfer goals helps protect retirement and support tax efficient growth for heirs.

Opportunity shapes long term investing. This article explains the upside magnitude of outcomes, why investors often underestimate it, and how understanding opportunity helps support stronger investment behavior.

How an understanding of risk and severity helps investors avoid long term mistakes. Learn why understanding severity improves investor behavioral decisions

An explanation of risk, severity, and opportunity. As an investor Learn how the magnitude of upside and downside outcomes work together.

the Risk Wrap approach helps retirees and employees with pensions balance market growth and predictable income through diversified, structured retirement planning.

Learn how the Total Return approach creates flexible retirement income through market growth, disciplined withdrawals, and coordinated financial planning.

Learn how TSP L Funds work, what they are made of, and how to decide between L Funds and individual TSP funds. Understand how glide paths change over time and why investing with purpose matters.

Risk is not the enemy. It is the price of progress.
The goal of financial planning is to understand it and take it intentionally.

Many companies are in the middle of open enrollment season so it is a great time to revisit the Health Savings Account (HSA)-  a savings tool that is often overlooked but offers meaningful long-term benefits.

Wall Street saw stocks close lower last week as investors soured on risk following the release of weaker-than expected economic data and inflation worries. Each of the benchmark indexes ended the week in the red.

In 2024, nearly all S&P 500 sectors posted gains in a year defined by AI enthusiasm and a robust U.S. economy. Overall, 66% of companies ended the year in positive territory as the index achieved its best two-year performance since the late 1990s.

The Federal Thrift Savings Plan (TSP) is a tax-deferred retirement savings and investment plan set up to help federal civilian employees and military personnel save for retirement.