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Vanguard BETR Roth Conversion – Its Rigged

Vanguard BETR Roth Conversion – Its Rigged

by Ethan S. Braid, CFA | Feb 20, 2026 | Blog, Retirement Planning, Tax Planning for Retirement

Vanguard BETR Roth Conversion Calculator Default Options The default options for the Vanguard BETR Roth Conversion calculator are set up in a way that will show almost anyone a favorable result for Roth conversion. The default option that you should be most critical...
Retire in Denver. What you Need to Know! Pros vs Cons.

Retire in Denver. What you Need to Know! Pros vs Cons.

by Ethan S. Braid, CFA | Feb 15, 2026 | Blog, Retirement Planning, Tax Planning for Retirement

Retire in Denver and you can have an amazing retirement, but Denver does have its challenges. I am going to review the pros and cons of Denver as a retirement city on twelve different factors. For each factor, I am going to give it a grade of Excellent, Good, Bad or...
60/40 Retirement Portfolio. Pros & Cons for Retirees.

60/40 Retirement Portfolio. Pros & Cons for Retirees.

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...
Retirement Planning with Zero Coupon Municipal Bonds

Retirement Planning with Zero Coupon Municipal Bonds

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...
How 20 Years of Annuity Fees Can Cost $ Millions

How 20 Years of Annuity Fees Can Cost $ Millions

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...
How To Build Your Own 5% Annuity, Without The Fees!

How To Build Your Own 5% Annuity, Without The Fees!

by Ethan S. Braid, CFA | Dec 17, 2025 | Blog, Investing, Retirement Planning

How do you build your own guaranteed cash flow stream, but without the fees of an annuity? Today I am going to show you how to build your own annuity for two different objectives. Method one will be to provide a guaranteed cash flow. Method two will be to provide a...
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Recent Posts

  • Vanguard BETR Roth Conversion – Its Rigged
  • Retire in Denver. What you Need to Know! Pros vs Cons.
  • Trust Planning – 80% of People Make This Mistake
  • Schwab SWVXX Costs .34%. Sell it and Buy T-Bills or SGOV.
  • 60/40 Retirement Portfolio. Pros & Cons for Retirees.

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