Using a Margin Loan to Purchase Your Home Due to your non-W2 income, you may not qualify for a traditional mortgage. However, you could use a margin loan from your equities to purchase your home. While I have written […]
Taxes in 2026 after TCJA Sunsets We are just two short years away from the 2017 TCJA (Tax Cut and Jobs Act) sunsetting, and taxes for physicians (both in accumulation and retirement) are set to increase. Since we only […]
Asset Drawdown Strategy in Retirement What is the optimal withdrawal strategy for a Retirement Portfolio? You have your portfolio, sure—your stocks and bonds. But what is your retirement strategy for asset withdrawals, and how does that help mitigate the known […]
The 4% Safe Withdrawal Rate in Action The 4% Safe Withdrawal Rate is back-of-the-envelope retirement planning. It is heavily talked about (and unnecessarily debated), so let’s see what it looks like in action! The 4% Basics Assume you have […]
Debt is Like a “Negative Bond” A mortgage is like a negative bond, and leverage increases risk. Jonathan Clements describes debt as a “negative bond.” He suggests if you have $100,000 in bonds and $100,000 in debt, your net bond […]
How can you maximize your social security bend points? Do you want to retire early but still get as much social security as possible? If so, you should understand the bend points of social security. Most financial planners don’t […]
Bond Tents for Retirement Asset Allocation Bond tents and Rising Equity Glidepaths are styles of glidepaths. Glidepaths describe the modulation of asset allocation before and after retirement. For example, traditional target-date funds decrease the stock percentage to or through retirement […]
Safe Withdrawal Rate Early Retirement Early retirement requires a lower Safe Withdrawal Rate. Not only is the future uncertain, but there is also a longer future when you retire early! Also, it is more difficult to study the Safe Withdrawal […]
Rising Equity Glide Paths and Early Retirement Rising Equity Glide Paths are an important consideration for those facing early retirement. You have a long horizon, so you want to be aggressive. This, however, sets you up for sequence of returns […]