Financial Education for Colorado Educators (and those they love). Absolutely Free.
I've written multiple times about the advantages of using 529 plans to save for post-secondary education. In this post I want to look at a front-loading strategy for 529 plans, both in terms of a practical way to approach this and as a somewhat philosophical way to frame the results. For this example I'll use … Continue reading Front-Loading a 529 Plan: Two Examples
We spend a lot of time in my financial literacy class for educators talking about being intentional with your spending. We discuss that spending isn't bad, it's a necessary and essential part of living your "good life". What can be bad is if you are spending on things that you don't value in ways that … Continue reading Two Strategies to Help You Be More Intentional with Your Spending
This is another optimization post, which means it's not essential for the core part of your financial success, but can be incrementally helpful on the margins. Like many posts on this blog, it also assumes a fair amount of privilege. For many folks who have figured out financial literacy (in one sentence; in many sentences), … Continue reading Tax Aware Strategies for Gifting and Giving
We will be holding a free financial conference on Saturday, June 27, 2026 at Koelbel Library in Centennial, Colorado. The conference will feature four nationally known speakers in the morning (live via Zoom, with Q&A after their presentation). In the afternoon we will conduct two case studies of the finances of two attendees, and then … Continue reading ExempliFI Conference: June 27, 2026 (Free!)
I wrote a post a while back titled Financial Literacy in One Sentence. This was that sentence: Financial Literacy is spending less than you make, on the things that you value, and saving and investing the rest in low-cost, diversified index funds selected based on your investment time horizon. I still think it holds up. … Continue reading Asset Allocation for Tax Optimization
I've written previously about the incredible opportunity of using your HSA as a stealh retirement account (for those who can afford to do so). More recently, I wrote about a variation on that strategy for folks who were not maxing out their Roth contributions. Today's post is about a strategy that some very early retirees … Continue reading HSA Conversions for Very Early Retirees
Fisch Financial 