by Derek Tharp
In a recent post, I argued that probability-of-success-driven guardrails are generally a superior form of guardrail strategy than the more commonly used withdrawal-rate-driven guardrails. In writing that post and working on some follow-up ...
by Derek Tharp
David Blanchett has a nice article at ThinkAdvisor on whether guaranteed income sources belong on a retiree’s balance sheet. I agree with Blanchett that it’s a mistake for financial advisors (or retirees) to ...
by Derek Tharp
I’m a big fan of “Return of Premium” (ROP) term insurance. I’ve covered the topic in greater depth here, but the long story short is that the additional premium paid for ROP term ...
by Derek Tharp
The Wall Street Journal reports: President Biden’s expected $6 trillion budget assumes that his proposed capital-gains tax rate increase took effect in late April, meaning that it would already be too late for ...
by Derek Tharp
Differences in state-specific taxation of income in retirement are often overlooked. People tend to have a much better understanding of how states tax ordinary income during one’s working years than they do of ...
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