by Ethan S. Braid, CFA | Feb 21, 2025 | Asset Allocation, Blog
There is a simple litmus test to determine if your diversified portfolio will fail. Ask yourself the following questions. Do you understand every single investment in your portfolio? Do you know why you own every single investment in your portfolio? Can you...
by Ethan S. Braid, CFA | Feb 20, 2025 | Blog, Investing, Investment Risk
Investors looking for safety often put their money into certificates of deposit, aka CDs. But many of them would be better off if they purchased T-bills instead of CDs. In this article we will compare T-bills to CDs across three categories; taxes, fees and risk. Taxes...
by Ethan S. Braid, CFA | Feb 18, 2025 | Blog, Investment Risk, Retirement Planning
Sequence of negative returns risk is something that many investors fail to consider when planning their retirement or assessing their risk tolerance. Sequence of negative returns risk is the risk that at some point during your retirement, you will experience...
by Ethan S. Braid, CFA | Feb 17, 2025 | Blog, Investment Risk
The stock market has been in an incredible bull market since 2009. We all hope it keeps going but history shows that secular bull markets eventually end and turn into secular bear markets. There are two types of Bear Markets Secular Bear Markets Short-Term Bear...
by Ethan S. Braid, CFA | Feb 16, 2025 | Blog, Estate Planning, Tax Planning for Retirement
There are many reasons you should never buy an annuity; high fees, limited investment options, and surrender charges to name a few. But the number one reason to never buy annuities with after-tax funds is the tax structure. When you purchase standard investments like...
