When it comes to saving for your children's future, choosing the right account can make a huge difference. Each type of account has different rules about taxes
As a professor with nearly 25 years in higher education, I understand firsthand the unique challenges educators and public service professionals face when it
As a financial planner, I frequently hear this question: "Should I use a target-date fund or build my own portfolio?"
The answer isn't about which approach
Bear markets are inevitable, but permanent loss is not. The mix between stocks and bonds in your portfolio largely determines how far you fall during a downturn
When you inherit an IRA from someone other than your spouse, you face decisions that can shape your tax bill for a decade or more. The SECURE Act and subsequent
A research-based guide to one of retirement planning's biggest decisions
As an educator-turned-financial-planner, I frequently field questions from teachers
How the One Big Beautiful Bill Act creates new opportunities to avoid hidden tax traps in retirement
As a financial planner who has spent years helping educators
The One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, extends and modifies many provisions of the 2017 Tax Cuts and Jobs Act (TCJA). While the
What Exactly Is a Pension?
A pension is a retirement plan where your employer guarantees specific monthly payments for life. Unlike a 401(k), where you bear
If you've been saving for your kids' education with a 529 plan, get ready for some amazing news. The rules just got a massive upgrade, and honestly, these
Here's something that might surprise you: the IRS doesn't treat all rental properties the same way. If you own a short-term rental, understanding these
The Golden Tax Window: Your Opportunity Between Retirement and Medicare
For public employees who retire before age 65, there's a unique tax planning opportunity
