Annuities can be a very hot button issue.

Therefore, instead of giving you an answer about whether they are good or not, I thought I would put together a quick video that breaks down the framework I use when considering whether to buy an annuity.

The decision about whether to include highly volatile assets like Bitcoin in your portfolio is a very controversial topic in the investment world. You can ask two advisors what they think and get two completely different answers.

In this video, I provide a mathematical framework that will empower you to draw your own informed conclusions on whether to include assets like Bitcoin in your portfolio.

Dave Ramsey could not be more wrong about what you should assume as a safe withdrawal rate in retirement.

For those not sure, a safe withdrawal rate is the amount of money you can pull out of your account per year during retirement and never expect to run out.

I love Dave Ramsey's advice regarding budgeting and getting out of debt. However, his advice about safe withdrawal rates and the assumptions you should use about how much money you need to save for retirement is dangerous.

This video includes a 5-minute clip from his show along with the full analysis to show why his 8% withdrawal rate is wrong and why a 3-4% withdrawal rate assumption is more appropriate.

We all want to improve the odds of reaching our financial goals.

If that is the case, how should we construct our investment portfolios so they might help accomplish that intended purpose?

In this video, we review the theoretical results of a variety of portfolios and see how diversification can potentially improve your financial plan success.

The Thrift Savings Plan (TSP) Mutual Fund Window opened in June 2022. It provides TSP participants with access to thousands of mutual funds that can provide diversification to their core TSP holdings.

In this webinar, we will review what the Mutual Fund Window is, how it works, and whether using it might be beneficial for you. We will also discuss its limitations and review alternatives you may want to consider to improve your retirement portfolio.

Most workplace retirement plans are great at providing access to low-cost stock and total bond market index funds along with target-date retirement funds. Unfortunately, it often stops there.

There is a whole world of diversification outside of these assets that can potentially improve your portfolio.

In this webinar, we will:

• Review the concept of diversification and take a look at the math behind why diversification can improve your portfolio

• Compare standard 401k offerings against this diversification framework to understand the limitations of most plans

• Discuss other assets that you may want to consider adding to your portfolio

• Review other accounts you may want to use to access these assets

A 60% stock, 40% total bond market portfolio is often considered to be a "balanced" portfolio.

As it turns out, it isn't very balanced.

In this video, we literally use a balance to better understand how unbalanced the 60/40 portfolio is and alternatives we may consider to find better balance.