Why We Recommend Global Diversification
Betting your retirement on one country staying on top is a bigger wager than it looks. Why we own companies across the globe, and why the last 15 years can’t predict what happens next.
Entries by Allen Mueller, CFA, CFP®
“Y’all Street” Is Open: What the Texas Stock Exchange Means for Your Money
On Friday, the Texas Stock Exchange started trading in Dallas. A financial planner in the area explains what TXSE actually is, why $275 million of institutional money is behind it, and whether it changes anything for a retiree with a diversified portfolio.
The Retirement Risk No One Plans For
Most disciplined savers don’t run out of money in retirement – they run out of time. The same instincts that built the nest egg can quietly stop you from ever enjoying it. Here’s the retirement risk no one builds a plan around.
Turning 65 in Dallas: The Complete Financial Checklist for DFW Pre-Retirees
Miss the Medicare window and you pay a penalty for life. Trip an IRMAA cliff by $1 and you owe thousands. Forget the over-65 property tax exemption and you leave money on the table. Here’s what to do, in the order it matters, the year you turn 65 in Dallas.
The International Travel Gap in Your Retirement Plan
Medicare provides virtually zero coverage outside the United States. If you travel internationally in retirement, here’s what you need to know about the gap in your plan and what it costs to close it.
Trump Account Calculator: How Much Could Your Child’s Roth Be Worth?
How much could a Trump Account grow if you started funding it at birth? Our interactive calculator models contributions, tax-deferred growth, and Roth conversion to show what your child’s account could be worth by retirement.
Everything You Need to Know About Gifting Money (and Why 99% of People Will Never Owe Gift Tax)
Gift tax is one of the most misunderstood parts of the tax code. With an annual exclusion and a massive lifetime exemption, the vast majority of people will never owe a dime. Here’s what you actually need to know – including when you need to file Form 709 and smart ways to avoid it.
Understanding your RTX 401(k) plan
Whether you’re a new hire or you’ve been with RTX for decades, you may have questions about your 401(k). This benefit is a critical element in your retirement planning and it’s essential to understand the nuances of the plan.
Annuities: The Good, The Bad, and The Ugly
Annuities are neither miracle products nor financial disasters. They’re tools – great for some situations and awful for others. Learn the truth about annuities and how they can affect your retirement plan.
Is $2 Million Enough to Retire in Texas?
Is $2 million enough to retire in Texas? For most retirees, the answer is yes – but only with the right income strategy. We break down the real numbers, including Social Security, taxes, and sustainable withdrawal rates.