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How Schwab’s Pledged Asset Line Helps You Access Cash Tax-Free

How Schwab’s Pledged Asset Line Helps You Access Cash Tax-Free

What if you could access cash without selling a single share of your investments?

Direct Indexing for Your Taxable Accounts

Direct Indexing for Your Taxable Accounts

Looking for smarter after-tax returns, greater personalization, and a way to align investments with values and real-life financial goals

The $0 IRA Rule: How to Avoid Taxes on a Backdoor Roth Conversion

The $0 IRA Rule: How to Avoid Taxes on a Backdoor Roth Conversion

If you have any Traditional IRA balance at year-end, your conversion could become partially taxable — even if you only contributed $7,000.

Unlocking the Power of the Mega Backdoor Roth: A Strategy for High Savers

Unlocking the Power of the Mega Backdoor Roth: A Strategy for High Savers

A Mega Backdoor Roth allows you to contribute far more to Roth savings than the standard Roth IRA limits permit.

The Most Tax-Friendly States for Retirees Relying on Social Security (2025 Update)

The Most Tax-Friendly States for Retirees Relying on Social Security (2025 Update)

For retirees living on a fixed income — especially those who rely heavily on Social Security — state tax policy can significantly impact your financial well-being.

Age Banding in Retirement: How Spending Patterns Shift and What That Means for Your Nest Egg

Age Banding in Retirement: How Spending Patterns Shift and What That Means for Your Nest Egg

Retirees transition through three distinct spending phases: Go-Go, Slow-Go, and No-Go years

A Flexible Retirement Withdrawal Strategy That Increases Your Income Over Time

A Flexible Retirement Withdrawal Strategy That Increases Your Income Over Time

Too many investors hear “you have a 70% chance of success” and think it means they’re going to fail.

Dynamic Retirement Spending: How Flexibility Can Help You Spend More and Worry Less

Dynamic Retirement Spending: How Flexibility Can Help You Spend More and Worry Less

How much can I safely spend each year without running out of money?

Health Insurance for Early Retirees: What to Do Before Medicare Kicks In

Health Insurance for Early Retirees: What to Do Before Medicare Kicks In

What do I do about health insurance until Medicare starts?

The Parts of Medicare Explained (2025): How to Choose the Right Plan Without Getting Overwhelmed

The Parts of Medicare Explained (2025): How to Choose the Right Plan Without Getting Overwhelmed

Most people choose wrong, not because they're careless, but because the system is complicated on purpose

How to Avoid Surprise Medicare Costs in Retirement: Understanding IRMAA in 2025

How to Avoid Surprise Medicare Costs in Retirement: Understanding IRMAA in 2025

They didn’t realize that their income from two years ago could cause a monthly increase of $100, $300, even over $500 for the exact same coverage their neighbor gets at a lower rate.

How Much Tax Will You Pay in Retirement?

How Much Tax Will You Pay in Retirement?

You can reduce what you owe and keep more of what you’ve earned.