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How do we manage accounts when everything is up? With cooperative markets, many investors have accumulated substantial capital gains in their investment accounts. We analyze the trade-off between ideal allocation & paying tax to achieve it. In general, we advocate paying tax along the way to avoid over-concentration. When I was growing up, my granddad … Continued

Key Takeaways: Having a fixed-rate mortgage keeps a large portion of your budget constant versus the variability of rental costs Lower expenses in retirement creates more disposable income, greater flexibility in combatting rising costs, and the ability to invest Saving what’s left rarely works – making monthly mortgage payments creates a forced savings vehicle saving … Continued

So often in life and in financial planning, perfect can be the enemy of good.  This is certainly the case when it comes to saving for college.  There are many ways to go about it, but the most important choice is the choice to begin saving.  Nonetheless, we often meet parents of five- and ten-year-old … Continued