by Ethan S. Braid, CFA | Jan 20, 2026 | Blog, Investing, Tax Planning for Retirement
Investors in Schwab prime advantage money fund SWVXX need to know they have better alternatives for large cash holdings. SWVXX is Expensive. The fund costs .34% per year. That is a hefty fee for a low-risk money market investment. SWVXX has Underperformed SWVXX has...
by Ethan S. Braid, CFA | Jan 14, 2026 | Asset Allocation, Blog, Investing, Investment Risk, Retirement Planning
The 60/40 equity-to-fixed-income retirement portfolio is a great asset allocation strategy used by many retirees. Contrary to what some people think, this asset allocation strategy is still relevant and a perfect investment plan for some retirees. Pros of the 60/40...
by Ethan S. Braid, CFA | Jan 1, 2026 | Investing, Retirement Planning, Tax Planning for Retirement
Zero coupon municipal bonds are an excellent investment for retirement planning. Investors in high tax brackets can purchase zero coupon municipal bonds, to lock in great yields and predictable future cash flows. Zero coupon municipal bonds are simple, you buy them at...
by Ethan S. Braid, CFA | Dec 25, 2025 | Blog, Estate Planning
What is it really like to be a trustee? How much time will it take? What are my legal requirements and responsibilities? I have been in wealth management for over 25 years and have helped dozens of families with their trust planning. I have been a trustee myself for...
by Ethan S. Braid, CFA | Dec 23, 2025 | Blog, Retirement Planning
What does twenty years of owning a variable annuity do to your ability to accumulate wealth for retirement? I think a lot of investors do not realize just how much a variable annuity can set them back when planning for their retirement. Variable annuities are commonly...
