Articles I've written

Practical, jargon-free guides on the questions clients ask me most. New pieces get added here as I publish them.

Where Should I Put My Cash?

High-yield savings, T-bills, money market funds, CDs, and how to match the right vehicle to the right goal.

What actually matters when you build a DIY portfolio: expense ratios, index construction, and holding the whole market.

Why investors tilt toward small cap value, which funds to consider, and how to size the tilt without wrecking your plan.

Turning a portfolio into predictable monthly income, and the withdrawal order that keeps your tax bill down.

Bridging the health insurance gap between your last paycheck and age 65, including ACA subsidies and income planning.

Once Medicare starts, the planning shifts to IRMAA, Roth conversions, RMDs, and long term care decisions.