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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...
Schwab SWVXX Costs .34%. Sell it and Buy T-Bills or SGOV.

Schwab SWVXX Costs .34%. Sell it and Buy T-Bills or SGOV.

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...
Retire on Dividends. Pros & Cons Explained.

Retire on Dividends. Pros & Cons Explained.

by Ethan S. Braid, CFA | Dec 13, 2025 | Blog, Investing, Retirement Planning, Tax Planning for Retirement

Retiring on stock market dividends is a great way to retire but this approach is not for everyone. This article will review the pros and cons of retiring on dividends. The PROS are: Inflation protection Lower taxes Predictable Income Low volatility of your income....
Annuities are a Trap. Four Ways the Trap Happens.

Annuities are a Trap. Four Ways the Trap Happens.

by Ethan S. Braid, CFA | Dec 11, 2025 | Blog, Estate Planning, Investing, Retirement Planning, Tax Planning for Retirement

Annuities are bad investments designed to hold you hostage for the duration of your life. Annuities are nothing more than a complicated trap that many investors fall victim to. Here are the four most common ways investors get trapped in annuities. Taxes Death Benefits...
Municipal Bonds. Are They Right for You?

Municipal Bonds. Are They Right for You?

by Ethan S. Braid, CFA | Dec 5, 2025 | Blog, Investing, Retirement Planning

Municipal Bonds, are they right for your portfolio? I am going to show you a process to determine if municipal bonds are a good deal for you. We are going to focus on two areas: Taxable Equivalent Yield Liquidity What Are Muni Bonds? First, let’s quickly go over what...
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Recent Posts

  • 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.
  • Retirement Planning with Zero Coupon Municipal Bonds

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