Vanguard LifeStrategy Funds

You probably know by now, I’m a big fan of Vanguard, well, Jack Bogle in particularly. Bogle completely changed the investment industry and for the better. He has saved literally billions of dollars for average investors. I simply can not stress his importance for average investors enough. Bogle should win the Nobel Prize in some […]

Can I Retire?

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Can I retire? I get that question… A LOT! And the answer more often than not is YES YOU CAN! Unfortunately we’ve been trained to believe we need millions, MILLIONS I tell you!, in order to retire. I don’t get it. Well, actually I do get it. Is it possible the folks saying we need […]

How to Pay No Tax on Dividends and Capital Gains

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If you are married filing jointly with taxable income of $77,400 or less, you are in the 12% tax bracket. However, add $1 more and you are in the 22% bracket. See how that works? $77,400 = 12% bracket. $77,401 = 22% bracket. This is how marginal rates work: the more income you receive the […]

The PERFECT Retirement Plan

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With a Roth you determine when you want to pay the taxes for what you put into the account. This is a benefit of the Roth that way too often gets overlooked. Remember, anything contributed to a Roth is with after-tax money. If you choose the Roth, you pay tax now. If you choose the […]

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