Financial insights for people optimizing for a longer, better life.
The standard advice — 'predict your future tax bracket' — falls apart for most people. Here's a better framework for choosing between Roth and Traditional 401(k) contributions, plus what SECURE 2.0 just changed for high earners over 50.
Read more →The question everyone asks about retirement is the right question asked the wrong way. Here's a framework that actually works — especially if your income isn't a steady paycheck.
Read more →Most Roth vs. Traditional IRA advice assumes steady W-2 income. Here's a framework for anyone whose income varies year to year — freelancers, business owners, or W-2 earners with bonus or RSU comp.
Read more →A clear comparison of Solo 401(k) and SEP IRA retirement plans for self-employed workers, business owners, and solopreneurs — contribution limits, Roth options, and when each plan wins.
Read more →How to evaluate a financial advisor before you hire one — fiduciary vs. suitability, fee structures, credentials, and the questions that tell you everything.
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