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I've written previously that people with defined benefit pensions who have the option to purchase service credit should seriously consider doing so now. I first wrote about it back in December of 2021, added some more context in April of 2022, and then reiterated in January of this year. Well, stop me if you've heard … Continue reading Diversifying by Purchasing Service Credit
I will be one of 16 local authors featured at the Douglas County Libraries Local Author Showcase on Saturday, November 15, 2025, at 1:00 pm at the Highlands Ranch Location 9292 S. Ridgeline Blvd. 80129. Click to register for this free event. Sixteen authors will give a five-minute talk about their book. It’s a great … Continue reading Douglas County Libraries Local Author Showcase
I've written previously comparing our options for health insurance in retirement (2024, 2025). In both years insurance through the ACA Marketplace was easily the better choice. But for 2026 there are big changes to both PERACare and the ACA Marketplace that are going to make the comparison much closer (and more complicated). The big change … Continue reading PERACare vs. ACA Marketplace: 2026 Edition
Note: This post is going to assume a lot of privilege. It's not going to address the very real issues of income inequality and systemic disadvantage, as those are a bit beyond my wheelhouse (although I do have pretty strong opinions about policy changes we should make that could at least help address those issues). … Continue reading The Extraordinary Opportunity of Starting Early (and Privilege)
I've written previously about Colorado's excellent e-bike tax credit. Each Coloradan currently qualifies for a $450 tax credit (applied at the time of purchase) for eligible e-bikes. There are some minor restrictions: the bike has to be UL-certified, you must purchase from a registered Colorado e-bike retailer (which I understand, but is a bit of … Continue reading Colorado’s E-Bike Tax Credit Decreases January 1, 2026
Colorado PERA offers optional health insurance called PERACare as a benefit to its retirees. While the details of next year's plans aren't out yet (open enrollment begins October 20th), a presentation at today's Board meeting shared the details on the premium increases (and a change in one of the plans offered). Given all that's going … Continue reading PERACare Premium Increases and the Impact of a Plan Design Change
Fisch Financial 