David's Family Finance

Looking Beyond The Fiduciary Stamp Of Approval

This new rule paints the industry with a broad stroke and it's your job to dig through the details and find out what your advisor is required to do, and if they are the right advisor for you. In order to help you folks do that, I thought we would take the time we have together this week to suggest some questions to ask that may help you through this discovery process. [...]

Why Borrowing From A 401(k) Might Not Be The Best Idea

The way in which money is withdrawn from a retirement plan, and overall portfolio, can make a huge difference on a retiree’s tax burden. And, frankly, the combination of the distribution plan and the investment plan will often dictate a portfolio’s sustainability. [...]

It's Time To Stop Reacting, Start Anticipating

The ability to anticipate is something that has helped me avoid a lot of hurdles in my life, but it is also a lesson that I have used a lot in my planning philosophy. This was true on the athletic field and is true in the financial ring. [...]

Should You Spend Money? Keep Perspective

When we are in the accumulation years of our lives, our goal is to acquire as many assets as we can. Initially, it’s for our first home, then to start a family, then for college, and then for retirement. Each and every stage of life brings a new financial hurdle to save and budget for, and for many retirees, that good old habit dies hard. But it’s important to take a step back, look at those things that bring you happiness, and your retirement budget, and find a middle road. [...]

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