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Each year I'm sharing what our current portfolio looks like. This is what it looks like as of January 1, 2025. (Here is April 2022 and January 2024). Asset Location Like many people, by necessity we have our investments in multiple places due to past employers, HSAs, and different types of taxable accounts. Taxable Investments: … Continue reading Our Current Portfolio and Recent Returns
IT DEPENDS! Okay, I really wanted to just leave this as a two-word blog post, but I decided that probably wasn't all that helpful. The genesis of this post was a discussion on Facebook where people were giving advice about what account someone should invest money in. Often these folks are really big fans of … Continue reading Should I Invest in My Traditional, Roth, or Taxable Account?
Colorado PERA offers a fantastic 401k and 457b plan to all PERA-affiliated employers, which includes all public school employees. These plans are almost always better than the 403bs or 457bs offered through their school districts by other vendors (see Littleton Public Schools, Cherry Creek, Denver, Douglas County, and Aurora as examples). At Friday's Board Meeting, … Continue reading Colorado PERA Lowers Fees for 401k and 457b Plans
Updated July 2025 to reflect changes in the standard deduction and the bonus deduction for those over age 65 (due to legislation). As we are about to turn the page (click the arrow?) on the calendar to move into 2025, there are many changes that happen around taxes. These include tax bracket changes, changes in … Continue reading 2025: New Year, New Limits
I've written before about 401k, 403b, and 457b retirement plans and the similarities and differences between them. Unfortunately, many school districts offer some truly horrible 403b plans (listen to Learned by Being Burned for more info). But there has been a positive development lately in that some school districts, typically large ones, have now started … Continue reading Aurora Public Schools Single-Vendor 403b Plan: Is It The Best Choice?
You have probably noticed a plethora of stories lately about how young people today are not moving out of the house very quickly after high school/college. There are many, many reasons for this (financial, emotional, and other). The stories you read typically take one of two approaches, depending on the focus of the author. The … Continue reading The (Financial) Advantages of Living at Home
Fisch Financial 