Menu (linked Index) Your Wealth Plan: 4 Steps to Financial Freedom Last Update: April 12, 2026 Introduction Phase 1 – Determine your Financial Status Phase 2 – Establish your Goals and Determine Your Risk Tolerance Phase 3 – Determine your Capital Allocation Strategy Phase 4 – Execute your plan and be Consistent Conclusion On Line […]
Menu (linked Index) Master Investment Stack (Order of Operations) Last Update: April 12, 2026 Introduction Master Investment Stack – Chart Master Investment Stack – Descriptive Outline Summary Introduction In this post we describe the Capital Allocation Strategy which is phase 3 of the Financial Plan we described in my post: Your Wealth Plan: 4 Steps
Menu (linked Index) Rules for Funding IRAs: Navigating Your Choices with Decision Trees Last Update: April 12, 2026 Introduction The Strategic Hierarchy of Retirement Funding IRAs (Traditional and Roth) 2026 Traditional IRA Decision Tree 2026 Front Door IRA Decision Tree 2026 Back Door and Mega Back Door IRA Decision Tree Reasons to Fund a Roth
Rules for Funding IRAs: Navigating Your Choices with Decision Trees Read More »
Menu (linked Index) Tax Advantaged Plans and Other Capital Allocation Structures Last Update: April 12, 2026 Introduction Capital Allocation Structure Charts Retirement and Executive Plans Statutory Benefit Accounts Philanthropic and Specialized Plans Insurance Tax Advantaged Structures Taxable and Special Equity Legal Entities and Ownership Governance Maximum Dollar Capacities for Various Household Scenarios Establish your Order
Tax Advantaged Plans and Other Capital Allocation Structures Read More »
Menu (linked Index) Bang for your Bengen: The 4 Percent Rule Last Update: February 22, 2026 Introduction Bill Bengen’s 1994 study Calculation Details (1968 to 1997 Period) Sequence of Returns Example 1 Sequence of Returns Example 2 Key Observations on the 4% (4.7%) Rule Implementation Introduction The 4% (four percent) Rule is the backbone of
Linked Menu Last Update: March 9, 2024 Time Value of Money (TVM) Calculator Introduction Time Value of Money Equations General Steps for Using Calculator Calculator Tool Introduction Calculator Tool TVM Examples using Calculator Tool Conclusion Appendix 1 – Time Value of Money Governing Equations (for Fixed Rates) Introduction Time Value of Money The Time Value
Last Update: April 26, 2023 Menu Introduction Calculator Description Calculator Example 1 : Semi-Monthly Payment Example 2 : Bi-Weekly Payment Conclusion Appendix 1: Simple Excel Automation Example Introduction The 401(k) contribution tool embedded in this post computes the percent 401(k) contributions needed to meet a required end-of-year total. Use the
