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...
by Ethan S. Braid, CFA | Feb 15, 2025 | Asset Allocation, Blog, Investment Risk
There are many mistakes you can make when selecting an asset allocation strategy for your retirement. In this article we will review two serious mistakes an investor can make with their asset allocation strategy. Selecting an asset allocation that does not match...
by Ethan S. Braid, CFA | Feb 14, 2025 | Asset Allocation, Blog, Investment Risk, Retirement Planning
Choosing an asset allocation is a key decision in any retirement plan. With over 25 years of experience as a financial advisor, I have found that many retirees do not know how much they can make or lose with different asset allocations. The focus of this article will...
