Just a little over 3 years ago I wrote a post encouraging folks to purchase service credit in their pension system if they were eligible and could afford to do it. While the entire post is worth reading for the full context, I wanted to pull out this quote, The second reason I think purchasing … Continue reading Time to Buy! Buy! Buy! (Service Credit, 2025 Edition)
Our Current Portfolio and Recent Returns
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
Should I Invest in My Traditional, Roth, or Taxable Account?
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?
Asset Allocation and Rebalancing Spreadsheet
One of the most important aspects of investing is setting your asset allocation. There are a variety of factors that go into your asset allocation including your goals, your investing time horizon, your risk tolerance, and the rest of your financial situation. Once you've set an asset allocation you need to pay attention to it … Continue reading Asset Allocation and Rebalancing Spreadsheet
Running for PERA Board of Trustees: Signatures Needed
I’ve decided to run for the open retiree seat for the Colorado PERA Board of Trustees (Julie Friedemann, the current Board member for that seat, has decided not to run for reelection). I’ve spent my entire adult life in K-12 education and believe strongly in public service. This is an opportunity for me to “give … Continue reading Running for PERA Board of Trustees: Signatures Needed
TL;DR: Financial Literacy for Maryland Public School Teachers: Optimizing Financial Decisions Based on Your SRPS Benefits
I just wanted to share my latest book, this one for teachers in Maryland Public Schools, focusing on financial literacy and making the most of their SRPS pension benefits. Screenshot Please consider sharing with any educators you know in Maryland. This is the latest in the TL;DR Financial Literacy series. If you know educators in … Continue reading TL;DR: Financial Literacy for Maryland Public School Teachers: Optimizing Financial Decisions Based on Your SRPS Benefits
Fisch Financial 