Don’t Die with your HSA Let’s keep this short and to the point: Don’t Die With your HSA! Yes, non-spouses can inherit leftovers from your Health Savings Account. However, while it is tax-free to you, unfortunately, it is fully taxable […]
Where to take Investment Risks Should I take risk in my stocks or bonds? When constructing your portfolio, where do you take investment risk? Do you “gamble” in your stocks or your bonds? Wait, which one is low risk? While risk […]
Getting Rich Vs. Staying Rich You get rich differently than you stay rich. Some get rich with concentration, and some stay rich with diversification. Concentration when you are young is your human capital. It can be your W-2 J.O.B. […]
Merton, SeLFIES, and Target Retirement Solutions Merton is a smart guy. He started publishing on lifecycle investing in 1969. He won a Nobel for valuing derivatives. Like most academics, he looks at the retirement problem differently than us in […]
Estate Planning for Doctors While often neglected, an optimized estate plan is vital to your legacy. The need to protect your assets never goes away, though you often don’t have much initially. As you age, assets increase; legacy and the […]