A bond ladder is helpful psychologically and for predictable cash flow. You can build one with individual Treasuries and TIPS and with ETFs.
Latest Blog Posts
ACA Health Plan Premiums When One Spouse Starts Medicare
The ACA health plan premiums may decrease, stay the same, or even increase when one spouse starts Medicare. Here’s why.
How Does Claiming Social Security Affect ACA Health Insurance?
How claiming Social Security affects ACA health insurance depends on if there’s a cliff, and your household income before and after Social Security.
When to Claim Social Security: How Much Does It Matter, Anyway?
The best strategy for when to claim Social Security benefits resides in a wide zone. It doesn’t matter much when you choose a date within the zone.
Taking Risks That the Market Decides to Reward
Getting rewarded by the market for the risks you take can be life-changing, but a diversified portfolio is more reliable.
Proof of Funds or Balance Confirmation for Fidelity Accounts
How to create a proof of funds or balance confirmation for your Fidelity accounts. Don’t share your account statement. The less you disclose, the better.
Trump Account: IRA for Kids With No Earned Income
Trump account is a non-deductible Traditional IRA for kids with no earned income. It isn’t as good as a custodial Roth IRA, a 529 plan, or a UTMA account.
2025 2026 Tax Brackets, Standard Deduction, Capital Gains, QCD
The tax brackets, standard deduction, and the capital gains tax cutoff point for single and married filing jointly filing statuses will go up in 2026.
2025 2026 401k 403b 457 IRA FSA HSA Contribution Limits
The contribution and income limits for workplace retirement plans, Traditional and Roth IRA, FSA, and HSA will go up in 2026 to adjust for inflation.
2026 Social Security Cost of Living Adjustment (COLA)
We project the Cost of Living Adjustment (COLA) for Social Security benefits next year under different scenarios. Retirees are better off with a lower COLA.