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Thin(k) About Your 401(k) Plan: Charlie Watts Brought Meaning To Money!

With the death of Charlie Watts, the Rolling Stone’s iconic drummer, I began thinking about how much meaning Watts and the Stones have brought to millions of people like myself.  Their music went beyond just a fan’s perspective, because…
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Thoughts in Charts: The Cost of Fear

How you feel about your investment is a critical factor for your advisor to understand. We talk about it when we talk about risk, and it impacts our portfolio design. We sometimes refer to it as your “willingness to take risk” but it’s…
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Thoughts in Charts: Why Aren’t They Trying to Win?

My husband and I watched a significant amount of the Tour de France. It turned out to be much more exciting than I initially thought, and, yes, I discovered a link between the Tour and investing. This isn’t a typical American sport,…
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Thoughts in Charts: Are the Tax Winds Shifting?

In Kansas you’ll often hear – “If you don’t like the weather, wait a minute.” Long-Term Capital Gains tax rates have historically been a bit like the shifting Kansas winds. The current proposal has a long way to go before its final,…
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Thin(k) About Your 401(k) Plan: Volatility Is Real and Can Be Positive!

It is Thursday, June 24, 2021, and one of my favorite financial periodicals arrived in the mail today.  It is dated June 21, 2021, with a cover article exclaiming that last week was the worst week of the year for the DOW with the Index…
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Thoughts in Charts: Retirement Ready vs Debt Free

This week’s chart illustrates why I encourage people to consider their retirement savings with the same weight as they consider aggressively paying off debt. The idea of living debt free is so catchy and liberating, but what if it’s…
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Thin(k) About Your 401(k) Plan: In-Plan Roth Conversion

The Small Business Jobs Act of 2010 modified by The American Taxpayer Relief Act of 2012 gave retirement plan sponsors the ability to offer in-plan Roth conversions.  Additionally, plans that don’t currently offer the provision can add…
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Thoughts in Charts: Beware of the 1-Year Returns

Trailing returns can be a fickle beast. We are about to see dramatic examples of why rolling returns can often convey a deceiving message, especially when it involves an unprecedented time period like 2020. The intense market drop in March…
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Thoughts in Charts: A Bumpy 2nd Year

Are we in for a bumpy recovery ride? The above chart shows the average implied volatility on the left axis during the second year of a bull market, which is represented on the bottom axis.   March 23rd will mark the 1-year anniversary…
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Thoughts in Charts: No Fighting It

One of the most common phrases in the COVID Crisis financial era seems to be “don’t fight the Fed”. While there is a lot of uncertainty in the economy, the influx in available money from the Federal Reserve and U.S. Treasury has been extensive.…