Insights
A quiet, unhurried record of how we think about planning, markets and family finance. Published only when we have something worth saying.
The conventional advice — 'wait until 70' — is right roughly half the time, and badly wrong the other half. Here is how we decide, family by family.
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An afternoon spent reading every TOD, POD and beneficiary designation in the house is, by some margin, the most valuable financial work most families never do.
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We are paid to think clearly about the next twenty years. The next twelve months are weather, and weather is not our specialty.
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For owners of profitable, mature small businesses, a properly designed cash balance plan can move six-figure pre-tax sums into protected retirement assets each year.
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The window between retirement and the start of required minimum distributions is, for many households, the most valuable tax-planning room of their lives.
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It is not a board meeting, and it is not a will reading. Done well, it is the single best way to keep a wealth plan from outliving the family that built it.
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A quiet quarterly letter