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
ExempliFI Conference: June 27, 2026 (Free!)
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!)
Asset Allocation for Tax Optimization
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
HSA Conversions for Very Early Retirees
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
The State Tax Deduction Many People Miss
This post comes with the usual caveat: I am not a tax expert and this is for informational purposes. One of the great things about the tremendous decrease in the cost and difficulty of investing (thank you Jack Bogle) has been that many more people are investing in stocks and bonds through brokerages like Vanguard … Continue reading The State Tax Deduction Many People Miss
Planning for Potential Long-Term Care Costs in Retirement
A topic that frequently comes up in my financial literacy class for educators as well as just in general conversation is how to pay for potential long-term care costs in retirement. I want to be clear, I am in no way an expert on this topic. Having said that, I have done a fair amount … Continue reading Planning for Potential Long-Term Care Costs in Retirement
Fisch Financial 