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Financial Independence | Early Retirement | Semi-Retirement

11/03/2023

Of the lessons from , perhaps the most relevant to individual investors is that predicting the markets is *really* hard. Prescient are the few! In 2022, SVB execs eagerly chased 1.75% YTM bonds, failing to see the much larger yield curve changes on the horizon. Their bank is now in receivership as a result. Consistently predicting or beating the market over a long timeframe is not possible.

https://www.netinterest.co/p/the-demise-of-silicon-valley-bank?utm_source=direct&utm_campaign=post&utm_medium=web

02/06/2022

Folks with financial advisors are happier across all four predictors of happiness than those without.

26/03/2022

Phased retirement options are on the rise and we're here for it! Downshifting makes so much more sense than going from decades of full time work to zero work at all.

Workers have longed for a way to ease into retirement while keeping some pay and benefits. More companies are giving it a try.

09/02/2022

If your advisor isn’t a fiduciary, they aren’t actually your advisor. They’re someone else’s salesperson.

02/02/2022

More usury advisor fees. Make sure you know how much you’re paying and what services you’re getting in return.

14/12/2021

% based financial advisor fees are great for the advisor… not so great for the families being served.

Make sure you know what you’re paying, and the conflicts of interest that result.

30/11/2021

Ever wondered about holding real estate in an LLC? We consulted with Troxel Fitch, LLC to bring you the gritty details.

When done properly, holding rental properties in an LLC can limit the owner’s liability to the equity held within that entity.

15/11/2021

Yet another article calling into question the “it’s always been done this way” 1% advisor fee.

How are you paying your advisor? Does the fee structure properly align their incentives to your goals while minimizing conflicts of interest?

https://www.wsj.com/articles/problem-with-how-many-financial-advisers-set-their-fees-11636403280?st=1ylg5co0i3nownx&reflink=article_imessage_share

When you’re charged based on a percentage of your assets, it’s worth asking yourself: Am I paying too much?

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