Market Commentary
What to do when markets fall (and what not to)
Declines of 10% happen in roughly half of all years. They are the price of the returns, not a failure of the plan — but there are five things genuinely worth doing.
Posts
Month: August 2026
Tax & Estate
Roth conversions: finding the window before RMDs close it
A conversion is a bet on one variable: your rate today versus your rate later. For many retirees there is a predictable low-bracket window — and it does not stay open.
Portfolio Strategy
The only variable you control: what your portfolio costs
One percentage point over 25 years on a $500,000 portfolio is more than half a million dollars. Here is how to count every layer — including the one nobody itemizes.