I've been using Pralana Online over the past month. It's a retirement planning tool that, for a long time, was available as a spreadsheet. It's now available as an online app.

In this video, I take a high-level look at Pralana and compare it to Boldin, formerly New Retirement.

Pralana: https://go.robberger.com/pralana/yt-p...
Boldin: https://go.robberger.com/new-retireme...

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One of my favorite tools, Portfolio Visualizer, just launched a new design. In this video, I'll show you how to navigate the changes. Unfortunately, one change is to limit the amount of backtesting data you have access to in the free version. I'll show you a free alternative.

Portfolio Visualizer: https://www.portfoliovisualizer.com/
Test Folio: https://testfol.io/

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Welcome to the first episode of Five Question Friday (FQF). I'll answer five questions from past live shows that we didn't get to. Today, we're covering the following questions:

1. Is the 6% Rule on Lump Sum vs Pension Reasonable?
2. What will my stock/bond allocation be when I reach 65?
3. How do you decide between a Roth Conversion and 0% Capital Gains Harvesting?
4. What's the best credit card for travel?
5. Should an early retiree pay off their low-rate mortgage?

Kitces Article: https://www.kitces.com/blog/navigatin...
CFPB Pension Article: https://files.consumerfinance.gov/f/2...
Fidelity Pension Article: https://www.fidelity.com/learning-cen...
Travel Credit Cards: https://www.allcards.com/travel-rewar...
Cash Back Credit Cards: https://www.allcards.com/best-cash-ba...

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Vanguard has reached a proposed settlement in the class action lawsuit related to the 2021 distribution of capital gains in its target date retirement funds. Here's how much each claimant may be entitled to receive.

Proposed Vanguard Settlement: https://drive.google.com/file/d/1gBIQ...

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We can save for retirement through at least four different account types: (1) 401(k) and other workplace retirement accounts, (2) IRAs, (3) HSAs, and (4) taxable accounts. Some can also use a mega backdoor Roth 401(k).

In this video, I walk through one optimal approach to prioritizing which accounts to contribute to first.

Here's a related article that I wrote on the topic: https://robberger.com/the-optimal-ord...

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A TIPS ladder is just one way to generate income during retirement. We'll look at two scenarios where a TIPS ladder may make sense, and then discuss the pros and cons.

TIPS Ladder: https://www.tipsladder.com/
Four Easy Steps to Build a TIPS Ladder: https://www.advisorperspectives.com/a...
Schwab Annuity Pricing Tool: https://www.schwab.com/annuities/fixe...

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When evaluating fees charged by investment advisors, should we look only at the actual dollars spent, or should we evaluate the long-term effect these fees have on our wealth? That's the question I address in this video.

Kitces Article: https://www.kitces.com/blog/financial...
My Response: https://robberger.com/how-should-we-e...
Hourly and Flat Rate Advisors: https://robberger.com/low-cost-financ...

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Vanguard has announced that it is selling 280,000 small business retirement plans to Ascensus. The transaction covers individual 401(k) plans, sometimes called Solo 401(k)s, Multi-SEP IRAs, and Simple IRAs, but not individual SEP IRAs.

Here's my take on what's going on, your options, and what this means for Vanguard.

Press Release: https://www.prnewswire.com/news-relea...
Ascensus Fees: https://www.ascensus.com/solutions/re...
Fidelity Solo 401(k): https://www.fidelity.com/retirement-i...
Schwab Solo 401(k): https://www.schwab.com/small-business...

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In brief remarks, Federal Reserve Chairman Jerome Powell all but took an interest rate cut in the near term off the table. In doing so, he taught us a very important lesson about investing.

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Fidelity recently disclosed that its computer systems were breached and that the personal data of more than 77,000 customers were accessed. here's what happened and some ways we can protect ourselves.

News of hack: https://www.investmentnews.com/indust...
Massachusetts: https://www.mass.gov/doc/data-breach-...
Maine: https://www.maine.gov/agviewer/conten...
New Hampshire: https://mm.nh.gov/files/uploads/doj/r...
Sample Fidelity letter: file:///Users/robberger/Downloads/Sample_Letter.pdf
Class Action Lawsuit: https://www.investmentnews.com/indust...
Fidelity's Lockdown Feature: https://www.bogleheads.org/forum/view...

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