Asset allocation, risk, and portfolio construction — practical context for retirement investors.
Placing assets in the right account types for tax efficiency.
5 articles in Investing
May 19, 2026 · Investing · 13 min read
How retirees use staggered-maturity fixed-income portfolios to floor the spending gap between Social Security and actual expenses — covering ladder mechanics, Treasury vs. CD tradeoffs, state tax implications, FDIC limits, sizing methodology, and coordination with the broader portfolio.
May 19, 2026 · Investing · 13 min read
How retirement investors use dividend-paying stocks and ETFs to build a growing income stream — covering qualified vs. ordinary dividend taxation, the three main dividend strategies, account location rules, the high-yield trap, and how dividends interact with AGI, IRMAA, and Social Security taxation.
May 19, 2026 · Investing · 12 min read
Rebalancing in the drawdown phase is fundamentally different from accumulation — no new contributions, every trade has potential tax consequences, and selling equities in a downturn can permanently damage the portfolio. This guide covers the three rebalancing methods, the tax-efficient sequence of operations across account types, RMD coordination, and the most common mistakes retirees make.
May 19, 2026 · Investing · 13 min read
Most retirees arrive at retirement holding a target date fund as their primary 401(k) position. This guide explains how TDF glide paths actually work, the 'to' vs. 'through' distinction, when a TDF remains the right choice, when it becomes a liability, and how to execute a clean transition to a three-fund portfolio when the time comes.
Apr 1, 2026 · Investing · 10 min read
The same allocation can produce different after-tax wealth depending on whether bonds live in IRA or Roth. Here is why, with rules of thumb and a 20-year illustration.