Blog

Writing a Letter to Your Loved Ones

Writing a Letter to Your Loved Ones

This site is all about living a better retirement and having a bigger impact. An idea I have heard from a few people recently is to write a letter to your loved ones – particularly those you hope to have some sort of impact on. In my case, I have two young sons. Regardless of their age, I am making a commitment to write a letter to them each year on my birthday (next week I turn 36) where I…

Read More Read More

The Only Benchmark That Matters

The Only Benchmark That Matters

Each day, investors everywhere compare their portfolio’s return to a benchmark. Many times, at least for investors in the U.S., the benchmark of choice is the S&P 500. I find it endlessly fascinating because a benchmark is simply the average of all investor returns before costs. This is not opinion, but fact. John Bogle, the late founder of Vanguard, said it this way in his book “Common Sense on Mutual Funds“: All investors own the entire stock market, so both…

Read More Read More

Weekend Reading 02 – Get What You’re Owed from Equifax

Weekend Reading 02 – Get What You’re Owed from Equifax

Since I started this site, I’ve committed myself to publish at least one article per week. But this week, I did not achieve my goal. It’s not that I didn’t write. In fact, I wrote two this week, but I honestly wasn’t feeling proud of either one, so I did not publish them. Because I value your time as a reader, whenever I click publish, I want it to be useful to you. If I feel I cannot accomplish that,…

Read More Read More

What’s Really Going on in the Stock Market?

What’s Really Going on in the Stock Market?

I’m generally not big on posting articles about “What’s going on in the market?” But today, August 13th, marks the 40th anniversary of the infamous “The Death of Equities” article by business week. It came out, originally, just in time to usher in one of the great bull markets in our country’s history. I’ll get to some data on the current market environment, but before I do there are some amazing (surprising for some people?) observations about what’s happened since…

Read More Read More

Weekend Reading 01 – 3D Printing the Human Heart

Weekend Reading 01 – 3D Printing the Human Heart

Over the past few weeks, a number of readers emailed me wondering what happened to the Retirement Digest and if I was still doing it? Truthfully, I just fell behind, so I’ll try to do a better job of being more consistent with it. These are the financial and non-financial articles I think are worth reading if you’re so inclined this week. I will also start linking to good podcast episodes and books as I get to them in case…

Read More Read More

There Are No Facts About the Future

There Are No Facts About the Future

As the market has started to meltdown this week and the presidential debates are heating up, there are plenty of discussions about what might happen to the economy if Trump’s tariffs continue or if Senator Warren or Sanders were to win the presidency. The latter bears a striking resemblance to the same predictions about how things might turn out when Trump shocked the world. Politics as usual. In any election cycle (which, to my dismay, never seems to go away),…

Read More Read More

Talking About Childhood and Retirement

Talking About Childhood and Retirement

Last week, I was interviewed by my good friend and fellow advisor, Justin Castelli on his All About Your Benjamins podcast. I’m thankful for that opportunity, not because we discussed retirement (which we did), but because he wanted to chat about my childhood. Justin and I had previously shared an offline call where we happened to chat about how I grew up and he encouraged me to share my story as it’s probably relatively unique – or at least not…

Read More Read More

Finding Fulfillment in Retirement

Finding Fulfillment in Retirement

A couple of months back, I had a conversation with Fritz Gilbert, the writer and owner of the retirement blog, The Retirement Manifesto. I’ve been a reader of his for quite some time as his posts are always insightful and entertaining. His writing offers particularly useful perspectives for me thanks to his willingness to share all that he’s going through as he is going through it. I reached out to him via phone to gain some wisdom on a variety…

Read More Read More

Medicare FAQs

Medicare FAQs

Last week, I wrote about the differences between Medigap and Medicare Advantage plans. In writing that, I realized there are many Medicare FAQs that I hear so often. When do you need to enroll? How do you enroll? What does it cover? What is not covered? What is it going to cost? Will IRA distributions affect your Medicare premiums?  And so on.  Instead of searching all over the web trying to find answers to these questions, I thought it would be helpful…

Read More Read More

Medigap or Medicare Advantage Plans

Medigap or Medicare Advantage Plans

As an advisor working with retirees, one of the most common questions I am asked is, “Should you choose Medigap or a Medicare Advantage Plan?” Before I get to that, I’ll lay out an example for why this choice exists in the first place and then we can get into the weeds of these two plan options. I’ll also provide pros and cons for each coverage type and who each coverage might work best for as well as what you…

Read More Read More