Great News! Colorado HB26-1026: Expanding Plan Options for PERA is Signed Into Law

I've written previously about Colorado HB26-1026 and am happy to share that the legislature passed it and the Governor has now signed it. This bill has three provisions. New Option for Purchasing PERA Service Credit: PERA members have previously been able purchase up to 5 years of nonqualified service credit, but they had to have … Continue reading Great News! Colorado HB26-1026: Expanding Plan Options for PERA is Signed Into Law →

HSA Conversions for Very Early Retirees

I've written previously about the incredible opportunity of using your HSA as a stealh retirement account (for those who can afford to do so). More recently, I wrote about a variation on that strategy for folks who were not maxing out their Roth contributions. Today's post is about a strategy that some very early retirees … Continue reading HSA Conversions for Very Early Retirees →

Leveraging Your HSA to Increase Your Roth Contributions

I've written previously about how folks who can afford to both contribute to a Health Savings Account (HSA) and pay their current out-of-pocket medical expenses from their checking account can use their HSA as a stealth retirement account. It's better than either pre-tax or Roth retirement accounts because as long as you eventually use the … Continue reading Leveraging Your HSA to Increase Your Roth Contributions →

Please Consider Supporting Colorado HB26-1026

Back in 2023 I wrote a post about some suggested legislation I would like to see regarding Colorado PERA. I'm excited to share that this legislation has now been proposed as part of the 2026 Colorado General Assembly. It is House Bill 26-1026 sponsored by Representative Bob Marshall, Representative Eliza Hamrick, and Senator Chris Kolker. … Continue reading Please Consider Supporting Colorado HB26-1026 →

The Extraordinary Opportunity of Starting Early (and Privilege)

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) →

The Not-So-Nifty Fifty

Most people are pretty familiar with the 401k, a supplemental defined contribution retirement plan offered by many private employers. In the public sector, including public schools, most employers offer the 403b instead, which actually predates the 401k and functions in much the same way. Public employers also have the ability to offer a 457b plan, … Continue reading The Not-So-Nifty Fifty →