When to Hire a Financial Advisor (A Guide for DIY Investors)
You don’t need an advisor to beat the market. You might need one to optimize your taxes, behavior, and withdrawals. We break down the research from Vanguard and Morningstar on where advice actually adds value (and where it doesn’t) for the sophisticated DIY investor.
Tax Opportunities in Early Retirement: Roth Conversions vs Capital Gain Harvesting
Early retirement creates a rare tax window: low ordinary income but meaningful assets. Learn when to prioritize Roth conversions vs harvesting long-term capital gains (including 0% LTCG space, “return of basis,” ACA/SS impacts, and charitable/estate planning).
How Smart Financial Planning Can Help You Spend More Over Your Lifetime
Most people think financial planning is about saving the most. In reality, smart planning can help you spend more over your lifetime—through compounding, taxes, and timing.