On numerous occasions, the need to put pre-Medicare healthcare costs in context arises with this conversation: Me: “When would you like to retire?” Client: “Well, I’d like to retire soon but know that I can’t. I have to work until at least age 65 so that I have health insurance…” The client in the above dialogue might be right; he... Read More
by Scott Gerlach, CFP I’m clueless when it comes to cars. I take the bus to work, MAX to the airport and pretty much avoid driving at all costs (thanks Uber!). And despite my best efforts, my life is still dependent on them. You can imagine my anxiety when it comes to dealing with mechanics. They might as well be... Read More
How can I optimize my portfolio in retirement? Many people think of investing as a process that answers questions such as “which stock should I buy?” or “which mutual funds should I pick for my IRA?” While these are important questions to consider, the process of choosing the appropriate investments for your portfolio represents only a fraction of the value... Read More
Do you have enough to retire? Answering this question confidently is one of the biggest decisions of your life. And today’s retirement landscape is so complex that making this decision effectively requires individuals take a measured and planned approach to their retirement. But many at Intel (and elsewhere) do not feel prepared – and that’s not surprising considering the number... Read More
What's the best way to manage my accounts? As an employee of Intel, you have access to a wide number of investment options, accounts, and benefits through your Intel retirement plan. These can be very valuable for your retirement planning and – at the same time – very complex and time-intensive to manage. The fact is, the traditional financial advisory... Read More
"Money is like soap, the more you handle it, the less you will have." – Gene Fama The typical owner of an individual bond couldn’t care less about the current price of that bond. When asked “why not?” they’ll say it’s because they plan on holding it to maturity. This is a technically wrong but a behaviorally useful way of... Read More
As we enter December, the last month on the calendar marks the final chance to cross your financial T’s and dot your I’s. For many, this means making last-minute charitable contributions, maxing out your 401k or ensuring your health care is solidified for next year. And for those individuals in their 70’s, this means satisfying their Required Minimum Distributions (RMDs).... Read More
Video: Healthcare in Retirement The information contained in this presentation is for informational purposes only and should not be considered personalized investment, tax or legal advice. In our video, we answer your questions: Should health care costs dictate when you retire? Under what circumstances should one purchase a Gold Plan? And how does it differ from the Silver Plan?... Read More
*A version of this article originally appeared on the CFA Institute's Enterprising Investor blog. I recently participated in a fun exercise. My friend Phil Huber, CFA, asked a group of us to define Evidence Based Investing in 10 Words or Less My favorite definition came from Bob Seawright, who said, “A relentless focus on what works, what doesn’t, and why.” On... Read More
If you need to cross a river, it's unlikely the bridge below you will collapse. That's because the engineer has been trained in hundreds of years of best practices. From tension and compression to the latest on when and where to use a beam, arch, truss or suspension for support, she knows what's come before. Not only that, but the... Read More
