Yardley Wealth Management

FEBRUARY 18, 2025

In this article, we’ll break down the concept of waterfall wealth distribution, its benefits, and how it compares to traditional investment strategies. Key benefits include: Ensuring essential financial obligations are met first – Taxes, estate planning, and retirement savings take precedence.

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Tobias Financial

MARCH 16, 2025

A portfolio review can help you: Assess your investment objectives and confirm they align with your financial plan Evaluate your time horizon and risk tolerance Ensure proper diversification and asset allocation Review tax management strategies, including capital gains and the Net Investment Income Tax (NIIT) Monitor performance beyond just returns, (..)

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MainStreet Financial Planning

MARCH 7, 2025

If youre searching for a fiduciary financial planner, flat-fee financial planning, or the best alternative to AUM-based advisors, this article will help you decide which model is right for you. Unlike AUM advisors, they dont have an incentive to keep assets under management, so their recommendations are truly objective.

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Random Roger's Retirement Planning

NOVEMBER 8, 2024

I found their asset allocation and wanted to see from the top down if there's a way to mimic them to some extent and get decent results. Yahoo Finance had a cleverly titled article; Generation X is gloomy, but their retirement reality may not bite. A few different things today. Here's how I built the portfolio. No kidding.

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Carson Wealth

JANUARY 22, 2025

The process of diversifying among asset classes is known as asset allocation, and the exact composition should be based on your financial goals and risk profile. You can also further diversify within an asset class. You should be re-evaluating your asset allocation at regular intervals to keep your portfolio on track.

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Random Roger's Retirement Planning

JANUARY 22, 2025

The starting point today is the that Rational ReSolve Adaptive Asset Allocation Fund (RDMIX) has gone through a strategy change, renaming as the ReturnStacked Balanced Allocation & Systematic Macro Fund and keeping the same symbol. " balanced allocation and $1 of exposure to a systematic macro strategy."

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Random Roger's Retirement Planning

MAY 24, 2024

Barron's had an interesting article about a BofA study showing that over a period of many decades an asset allocation of 60% equities/40% commodities outperformed an allocation of 60% equities/40% fixed income by 0.80% per year. I haven't looked in awhile I guess but yowza, a lot of option-centric funds.

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MainStreet Financial Planning

DECEMBER 20, 2023

Identify what areas you could cut back or reallocate funds to align with your financial goals for the new year If you don’t yet have a budget – here is a great article from Vida about a good place to start Consider using a budgeting app to help you track your spending – here are a few good options of apps we would recommend.

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WiserAdvisor

APRIL 25, 2023

This article will explore how often to rebalance your 401(k). Rebalancing a 401(k) refers to adjusting the asset allocation of your investment portfolio back to its original target percentages. As a result, your portfolio’s allocation changes from its original, and it now consists of 60% stocks, 25% bonds, and 15% cash.

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Investing Caffeine

MARCH 1, 2024

Tax Time April is fast approaching, which means it’s that time of the year when Uncle Sam will come knocking on your door with your tax bill. Perhaps your taxes have already been prepaid and a refund is coming your way. Subscribe Here to view all monthly articles. The same concept holds true for investing.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

GAA stands for Global Asset Allocation and it has been lagging for 15 years. Barron's had an article about alternatives sought by the "super rich. Included in the article were aging whiskey which I don't what that is, like maybe something to do with leasing the barrels? Here's a great chart to illustrate the point.

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Random Roger's Retirement Planning

JUNE 29, 2024

Several talked about tax issues, it is important to keep tabs on how taxes might change going forward and then when they actually do change. Yes on the taxes but without earned income and living on long term capital gains from an investment portfolio, there might be no income tax.

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Random Roger's Retirement Planning

NOVEMBER 17, 2024

Barron's had an article about Bill Ackman's closed end fund that trades in Amsterdam but is on the US pink sheets with symbol PSHZF. MDCEX is in Morningstar's Tactical Asset Allocation (TAA) category and the Fidelity info page for the fund offers the following comparison to other funds. This post is not about that fund.

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Clever Girl Finance

DECEMBER 13, 2023

Articles related to saving for retirement Start saving for your retirement today! Make funding tax-advantaged accounts a priority Tax-advantaged accounts are specifically designed to help savers build their retirement nest egg. Once in the account, your contributions will grow tax-free.

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Random Roger's Retirement Planning

OCTOBER 19, 2023

Here's the latest about Harvard from Bloomberg that included this chart of the asset allocation. It's not that someone could not copy the asset class exposure, just that the return streams would not look the same and often, various forms of sophistication replication does not really work in fund form. Black is 2023.

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Good Financial Cents

JUNE 11, 2023

You can also get information on your performance and asset allocation. This will help you to create an asset allocation that will get you where you need to go with your investments. It can be used to help you with your asset allocation, at least based on the investment options that your plan includes.

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Discipline Funds

JULY 25, 2023

In the vast majority of cases this ends up creating lower returns by creating unnecessary taxes and fees. You stay rich by allocating your saved income prudently. We often hear the mainstream media refer to nominal pre-tax and pre-fee returns of 10% or more for the stock market. 2) Set realistic savings return goals.

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Random Roger's Retirement Planning

JULY 15, 2024

First up, the Harvard Endowment which posted the following asset allocation. Here's an article at theStreet.com from 2007 where I bagged on PSP. Arguably neither one is very close in terms of how it replicates but borrowing the asset allocation from the top down yields what I would call a valid result. I used PSP.

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WiserAdvisor

DECEMBER 15, 2023

This article explores different ways in which financial advisors can help you with wealth accumulation for retirement. By helping you lower your tax The impact of proper tax planning on your eventual retirement balance cannot be overstated. All withdrawals from HSAs can be used for qualified health expenses entirely tax-free.

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Brown Advisory

MARCH 28, 2019

On A Shoestring ajackson Thu, 03/28/2019 - 08:20 In this article, we offer a robust analytical framework that can help endowments and foundations think about spend-rate planning, in terms of key risks they face such as short-term drawdown risk and long-term erosion of capital. Note that the 5% rule was intended to be a high hurdle.

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Brown Advisory

MARCH 28, 2019

In this article, we offer a robust analytical framework that can help endowments and foundations think about spend-rate planning, in terms of key risks they face such as short-term drawdown risk and long-term erosion of capital. On A Shoestring. Thu, 03/28/2019 - 08:20. Note that the 5% rule was intended to be a high hurdle.

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Investing Caffeine

JANUARY 2, 2024

This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (January 2, 2024). Subscribe Here to view all monthly articles. Time will tell if 2024 will make this baby cry, but whatever the market faces, declining inflation and interest rates should act as a pacifier. Slome, CFA, CFP® Plan.

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WiserAdvisor

FEBRUARY 29, 2024

This article will help you understand the benefits of working with a financial advisor to secure your financial future. A financial advisor can devise an asset allocation strategy by gaining a thorough assessment of your financial landscape. Asset allocation is the foundation of diversification and prudent investment management.

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Trade Brains

DECEMBER 7, 2023

In this article, we guide you through the list of top personal finance courses designed for beginner to intermediate-level learners. The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio.

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Workable Wealth

SEPTEMBER 16, 2020

Asset Allocation. Building on diversification, asset allocation is an investment strategy that builds your portfolio by weighing an adequate amount of risk for your goals. Asset allocation evaluates how your portfolio is created and the specific securities you are investing in. Dollar-Cost Averaging.

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Zoe Financial

MAY 18, 2023

They can help you analyze your current investments, optimize your asset allocation, and make necessary adjustments to ensure your retirement nest egg grows steadily. Which investments should I withdraw from, considering market conditions and tax implications? It pays to have a good wealth planner in your corner.

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WiserAdvisor

APRIL 16, 2025

This article can help you understand what a financial advisor can help you with so you can go ahead and hire one as soon as possible. For instance, inflation can affect the purchasing power of your savings, tax laws can shift over time, and investment opportunities that seem promising today may not be as attractive in the future.

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Darrow Wealth Management

MAY 22, 2023

Cash isn’t an investment strategy For individuals with upcoming cash needs, perhaps for a renovation, taxes, or college, staying liquid in a high yield money market or locking in returns with a Treasury ladder can make a lot of sense. As illustrated in the chart below, short-term rates (in T-bills, savings accounts, money markets, etc.)

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WiserAdvisor

MAY 13, 2025

This article explores various strategies for diversifying an investment portfolio to ensure you have enough funds to live comfortably in retirement. Spread your investments across different asset classes Asset allocation involves distributing investments across different asset classes to balance risk and return.

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Investing Caffeine

MAY 3, 2023

Are you overly concentrated in one asset class, sector, or individual security? Risk Tolerance: What is your asset allocation? Tax Planning: Are you maximizing your tax-deferred investment accounts? Subscribe Here to view all monthly articles. Fees: What are you paying in advisor fees and/or product fees?

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Cordant Wealth Partners

SEPTEMBER 8, 2022

This article will discuss the key features of the Microsoft 401(k) plan, and after reading it, you should leave with a clear game plan of how to: Maximize the match (free money! ) Lower Taxes : Reduce taxes today via pre-tax contributions that reduce your taxable income. What Company Does Microsoft Use For Their 401k?

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Validea

SEPTEMBER 29, 2022

And gold, which is supposed to be an inflation hedge and safe haven, has been under pressure as investors have been offloading the yellow metal, putting pressure on prices, as this article summarizes. Multi-Asset Portfolios. Social | Podcast | Interviews | Articles about Justin all in one place. Consider Conservative Stocks.

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Random Roger's Retirement Planning

SEPTEMBER 17, 2023

Over the years, we've made some fun of CalPERS for seeming to change their asset allocation strategy every couple of years such that they end up chasing heat, that is chasing the thing that worked last year. It started with this article from The Athletic. Apparently, he was a great teammate.

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WiserAdvisor

DECEMBER 13, 2023

In this article, we dive into the nitty-gritty of why saving for retirement should top your financial priorities list, the optimal time to start, and the best ways to save for retirement, ensuring you’re well-equipped to turn those retirement dreams into reality.

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Investing Caffeine

JUNE 3, 2024

These items are not static, and can change over time, therefore it’s important to revisit your asset allocation periodically as financial circumstances and life events change your objectives. This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (June 3, 2024).

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Random Roger's Retirement Planning

DECEMBER 21, 2023

If the sell off was "exacerbated" by 0dte's as mentioned in the Bloomberg article, ok but down 1.5% They build out a few different types with various allocation percentages for each type. I was curious of course so I looked at the 60/40 blend under Strategic Asset Allocation. world is a good first impression.

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Brown Advisory

DECEMBER 2, 2015

There are three fundamental variables to monitor in portfolio management: market performance, changes in tax policy and a portfolio’s rate of drawdown (expenses and spending). Create a portfolio structure buffered against taxes. Therefore, it is essential that we structure client portfolios to be tax efficient.

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