Financial Education for Colorado Educators (and those they love). Absolutely Free.
I've written previously about health insurance in retirement (and 2024 post) for members of Colorado PERA. As we are now in open enrollment for 2025, I thought I would update with 2025 numbers. But first, a little background. PERACare is health insurance that PERA retirees can get through PERA. It is guaranteed issuance (which was … Continue reading PERACare vs. ACA Marketplace: 2025 Edition
I recently appeared on The Teacher Money Show Podcast. You can listen/watch it on a variety of platforms. (I would recommend one of the podcasts instead of the YouTube video because I fidget a lot, but use whatever you like best :-). Apple Podcasts YouTube Music Spotify YouTube https://www.youtube.com/watch?v=nXP_lxWycyk
There has been lots of chatter lately about some proposals around changing how we tax capital gains, and especially around a proposal to tax unrealized capital gains. This is due to the Harris/Walz campaign saying they generally support the proposals that the Biden Administration included in their Fiscal Year 2025 Revenue Proposals. To be clear, … Continue reading Taxing Capital Gains: Current Law and Some Interesting Proposals
I've written about inflation several times previously (here, here, here, and here), but it's a topic I keep returning to because I feel like it's a concept that many people still don't really understand. And, unfortunately, that often means they reach invalid conclusions, which can lead to poor financial decisions and/or lead people to just … Continue reading Inflation (again)
Colorado PERA is required by the state legislature to submit various reports on a variety of topics. One of these is the annual Signal Light Report (2024 Report PDF, based on 12/31/23 valuation), which is designed to give a "status update" on PERA's progress toward full funding by the 2048 goal. It attempts to take … Continue reading Colorado PERA’s Signal Light Report
I just wanted to share my latest book (written along with Ronna Overman), this one for employees of Kansas Public Schools, focusing on financial literacy and making the most of their KPERS pension benefits. Please consider sharing with any educators you know in Kansas. This is the latest in the TL;DR Financial Literacy series. If … Continue reading TL;DR: Financial Literacy for Employees of Kansas Public Schools: Optimizing Financial Decisions Based on Your KPERS Benefits
Fisch Financial 