Our Thinking
Retirement Planning isn’t complete without a tax strategy.
You’ve outlined your budget and built up a substantial investment portfolio. You have run calculations to see how much you should be able to safely spend in retirement. But have you thought through the tax implications? It’s very common for tax planning to be...
Why should you pay attention to DeFi? (This is not about Bitcoin.)
Crypto, blockchain, decentralized tokens… DeFi (Decentralized Finance) is a new world of jargon. It’s been made worse by hyperbolic claims and a get-rich aura that is at least reminiscent if not bigger than the Dotcom era. DeFi is the next wave of innovation for the...
Discussing money with your significant other.
Talking about money can be taboo even with significant others. We all have different money hangups, approaches, and scripts about our relationship with our finances. Among couples, one person typically takes responsibility for the daily finances. This allows us to...
What is your Retirement Spending Policy?
There are all sorts of different advice on spending in retirement. The most commonly discussed advice is the 4% rule. This research suggests that one could spend 4% of their original retirement portfolio per year, and increase the spending amount by inflation each...