Social Security Tax Torpedo
Social Security gets a 3.6% raise in January, 2027, but the income lines that decide how much of it is taxed haven’t moved in decades. This month, I walk through why a little more income can cost middle-income retirees more than they’d expect, and how to plan with it in mind.
Bonds vs Bond Funds
When rates rise, bond prices fall, whether you own individual bonds or a bond fund. What happens next is where they differ. This month, I walk through why, plus four questions worth asking about the bonds you own.
The 4% Rule
The number everyone quotes for retirement withdrawals isn't as fixed as it sounds. In September's newsletter, you learn everything you need to know about the 4% withdrawal rule.
The Power of Roth
Today's tax rates are low by historical standards, and that won't last forever. This month's newsletter breaks down what that means for your retirement accounts, and why Roth deserves a closer look, but not for every dollar.
Interest Rates: What's Next?
Interest rates may stay higher for longer, and that can affect more than just your mortgage. This month’s Money With Direction looks at what higher rates could mean for borrowing, cash, bonds, and your overall plan.
Fighting Against Inflation
Inflation can quietly reduce what your money can buy over time. In this month’s newsletter, we look at how thoughtful planning, cash management, and long-term investing can help families fight back.
Capital Gains
This month’s newsletter breaks down one of the most misunderstood tax topics: capital gains. Learn practical strategies, common mistakes to avoid, and planning opportunities that could potentially help you keep more of what you earn.
When Can You Retire?
Wondering if you’re actually on track for retirement? This month’s newsletter breaks down a simple way to estimate what retirement may take — and the key factors that can impact the plan.
Millionaire Money Moves
Money moves that future millionaires are happy they made early on including building tax diversification, capital gains and loss harvesting, and taking advantage of low income years to save on taxes.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
2026 Market Outlook
2026 Market outlook, alternative investments, and some investing principles.