In today's episode of Five Question Friday (FQF), we start with a strategy you might consider if you want to leave your expensive financial advisor but you are afraid of going it alone. Here are all the questions in today's show:

1. How to leave your financial advisor
2. TIPS ladder vs BND
3. Are Target Date Funds a Reasonable Option
4. If a person has over $250,000 in a Fidelity account, should they open up another account - say with Vanguard, Schwab, M1 Finance, or perhaps another brokerage - elsewhere as well?
5. How do we rebalance assets in Boldin? If we enter a 60/40 portfolio today, after a few years, it turns into 80/20, which means the software is not rebalancing automatically.2. For the BND fund, what rate of return will you use?

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

We start this week's Five Question Friday (FQF) with a question about whether a 2% investment fee is crazy. Here are the five questions:

1. Am I crazy to be paying a 2% fee to manage my investments at Morgan Stanley?
2. Can you analyze 100% BND versus 50% BND and 50% VIPSX.
3. In Boldin, what are you setting as projected returns?
4. How should I invest if I don't need the money in retirement?
5. Is direct indexing worth the cost and complexity?

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

With five years to go before retirement, there are several steps you can and should take to prepare. In this video, I'll cover 13 things to consider as your retirement date draws closer.

Resources mentioned:

Boldin: https://go.robberger.com/new-retireme...
Tiller: https://go.robberger.com/tiller/yt-5-...
Rocket Money: https://go.robberger.com/rocket-money...
Lunch Money: https://go.robberger.com/lunch-money/...
Vanguard Asset Allocation: https://investor.vanguard.com/investo...
Open Social Security: https://opensocialsecurity.com/


Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

At least once a year it's important to review your investment portfolio and make any necessary adjustments. Here are the 10 things I check every year:

1. Write down your planned asset allocation
2. Compare your actual allocation to your plan
3. Evaluate individual holdings
4. Evaluate your asset location
5. Confirm you have beneficiaries listed for each account
6. Check your performance for the past year
7. Check for excessive stock concentration
8. Evaluate your advisor relationship & fees
9. Make sure you have 2FA on all financial accounts and email
10. Evaluate if you can simplify your portfolio

Resources

Empower: https://go.robberger.com/empower/yt-y...
Investment Tracking Spreadsheet: https://robberger.com/investment-trac...
Morningstar: https://www.morningstar.com/
ETF Overlap Tool: https://www.etfrc.com/funds/overlap.php


Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

Welcome to this week's edition of Five Question Friday. Here are the questions we'll be covering today:

1. Should you include the value of your home in your asset allocation?
2. Should we tilt our portfolio to 10% SCV?
3. After-Tax Asset allocation
4. Tips Ladders vs ETFs: If for example we had 500k for our fixed assets portion of our portfolio, what are your thoughts on building multiple TIPs ladders with all 500k to meet our retirement goals vs. a more diversified mixof t-bills, CDs, Agency, Corporate, and TIPs?  I am leaning toward the more "diversified mix."
5. Roth conversions and Rate of Return Assumptions

Resources:

Boldin: https://go.robberger.com/new-retireme...
Bolgeheads' Wiki: https://www.bogleheads.org/wiki/Tax-a...
Reichenstein Article: https://www.financialplanningassociat...


Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

Morningstar recently released its annual State of Retirement Income report. According to its calculations, the new safe withdrawal rate is 3.7%. The report offers some excellent data and analysis that can help us as we build our retirement income strategy.

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

Over the past four years I've received tens of thousands of questions about investing from viewers. I've assembled 9 of the most frequently asked questions in this video. Here they are:

1. Should you pay off debt or start investing?
2. How do I get started investing?
3. Is 100% stocks a reasonable portfolio?
4. S&P 500 vs Total Stock Market Index
5. Why do I need international stocks?
6. Should I invest in Bitcoin?
7. How do you know when you can retire?
8. Lump Sum vs DCA
9. How can I increase my savings rate?

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

Welcome back to another edition of Five Question Friday. For this FQF, we cover the following five questions:

1. Should we wait to invest until stock valuations come down?
2. Does it matter if we pay the tax on a Roth conversion from a taxable account?
3. Are dividend stock ETFs a reasonable alternative to bonds?
4. Why is the 3 bucket portfolio so popular?
5. Should are planned spending in retirement be based on a percentage of our pre-retirement income?

Best retirement planners: https://robberger.com/best-retirement...

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

Do retirement planning tools calculate the same chance of success if given the same retirement plan? That's what I wanted to know, so I compared Boldin, Pralana and ProjectionLab. The results shocked me.

Boldin: https://go.robberger.com/new-retireme...
Pralana: https://go.robberger.com/pralana/yt-c...
ProjectionLab: https://go.robberger.com/projectionla...

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...

In this Five Question Friday (FQF), we'll be tackling the following viewer questions:

1. Is a 100% stock portfolio the best option during retirement?
2. How does the 5-year rule on Roth conversions work?
3. Should long-term investors invest in bonds?
4. How do backdoor Roth IRA conversions work?
5. What are my favorite personal finance books to give as gifts during the holidays?

Resources Mentioned in the Video:

Retire Before Mom and Dad: https://amzn.to/3OQL0DA
Big ERN's response: https://earlyretirementnow.com/2024/0...
SWR Toolbox: https://earlyretirementnow.com/2018/0...

Join the Newsletter. It's Free:
https://robberger.com/newsletter/?utm...