Financial Education for Colorado Educators (and those they love). Absolutely Free.
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
I just wanted to share my latest book (written along with Kristin Gemaly and Amy Rios), this one for teachers in Connecticut Public Schools, focusing on financial literacy and making the most of their CTRB pension benefits. Please consider sharing with any educators you know in Connecticut. This is the latest in the TL;DR Financial … Continue reading TL;DR: Financial Literacy for Connecticut Public School Teachers: Optimizing Financial Decisions Based on Your CTRB Benefits
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 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
Fisch Financial 