Sick Leave and Backdoor Roth Closures

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This week we’re taking a break from our normal business of writing about one issue at length to talk about two issues in shorter form. Two things come into effect on the 1st of the year, and it’s noteworthy that while one is already law, the other is making its way through Congress at the moment. We’re talking about Colorado’s …

The Best Interest Trap

Daniel Yerger Financial Planning 1 Comment

Last week, investment giant Vanguard announced they would begin offering personal advisor services (“PAS”) clients their proprietary actively managed funds. This was a major shock across the financial industry where Vanguard is famous for their passive index investment options and a founding philosophy focused on the low-cost capture of the market’s movements. The stated rationale for this default selection is …

The Difficulty of an Investment Process

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Speculation is in vogue right now and it’s the dearth of realistic thinking that drives it. Whether it be calls to invest in dog-based cryptocurrencies or special purpose acquisition companies (SPACs) being used to dodge SEC disclosure requirements for initial public stock offerings, you can’t take a single step in the financial world without bumping into someone who is excited …