by Ethan S. Braid, CFA | Mar 20, 2025 | Blog, Estate Planning, Retirement Planning, Tax Planning for Retirement
Annuities are among the worst investments an investor can make for their retirement. In this article, we will explore nine reasons why you should never buy an annuity. All Gains are Taxed as Ordinary Income Annuities do not qualify for favorable tax treatment in the...
by Ethan S. Braid, CFA | Mar 13, 2025 | Blog, Retirement Planning
The year you retire can make or break your retirement plan. Will you retire at a good time or a bad time? You cannot really know if you have bad timing until after the fact. If you retire at a bad time, right before a recession and crash in the stock market, you won’t...
by Ethan S. Braid, CFA | Mar 4, 2025 | Blog, Retirement Planning
Most retirement planning is done with complicated software. Unless the user is highly trained both on the software and with math and investments, mistakes frequently occur and go unnoticed. Making a mistake when building a software-based financial plan is extremely...
by Ethan S. Braid, CFA | Feb 27, 2025 | Asset Allocation, Blog, Investing, Investment Risk, Retirement Planning
The recent research paper, Beyond The Status Quo: A Critical Assessment of Lifecycle Investment Advice, has created a lot of buzz since the paper was published. The authors advise an optimal retirement portfolio that is 100% equities with 33% in domestic stocks and...
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 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...
