Personal Finance (Not Investing) • Big picture Roth planning
I could use some help in evaluating, at a high level, whether to make Roth contributions in my 401k or conversions, either now or in early retirement. My understanding is that if my future tax rate is...
View ArticlePersonal Investments • Excess Funds in Retirement - What to do?
Hello,I'm long been a Vanguard investor, but since my father's passing I have been helping my mother with her investments. Fortunately they were great savers and were able to accumulate just over...
View ArticleInvesting - Theory, News & General • Transfer out of Wealthfront - Huge...
I have been with Wealthfront for around 10 years now. I would like to move /transfer the account to other brokerages -like M1, so that I don’t have to pay the annual 0.25 percent AUM fees to...
View ArticlePersonal Investments • Strategies for adding to an existing TIPS ladder
Thanks to the knowledge gained from this forum, last year I built my first TIPS ladder. It was a 5 year ladder, 2025-2029, using tips ladder.com to construct it. My primary goal is for inflation...
View ArticlePersonal Investments • ROTH IRA SALE TO BUY VACATION HOME VS FINANCING
Hello everyone.I am considering buying a vacation house in Puerto Rico (on the beach). My extended family lives there. I want to hear thoughts on how best to finance, pay for it, etc.I am retired 75...
View ArticlePersonal Investments • How to clean up messy college savings situation?
Our current college savings arrangement is less than ideal, due to some naive decisions I made when I didn’t know much about investing. Does anyone have thoughts on the best way to clean this...
View ArticlePersonal Investments • Am I (financially) able to retire?
Emergency funds: Six months of expenses.Debt: Four years into a 30 year fixed rate mortgage at 2.75%. Have not made extra principal payments (and do not intend to at this interest rate). No other...
View ArticlePersonal Investments • Any Benefit to having beneficiaries enroll in Vangard...
Subject says it all.Age, 78 and own 10 ETFs.Want to make it as easy and inexpensive as possible for my kids inheritance.All other money is in local credit union.Statistics: Posted by HermieHollerith —...
View ArticlePersonal Investments • Investment Advice for my 75 y/o Mother
Good afternoon and thanks in advance for the time. A little background. My father passed in April 2024 and I have been assisting my 75 y/o mother with her estate/finances. I am the financial Power of...
View ArticleInvesting - Theory, News & General • How to Pay Next-to-Nothing in Taxes...
any comments on this?https://awealthofcommonsense.com/2025/0 ... etirement/Statistics: Posted by GrilledSardines — Thu Jan 16, 2025 2:26 pm — Replies 3 — Views 589
View ArticlePersonal Consumer Issues • "Aetna One" program?
Our health insurance is through Aetna, and I just got a call from someone claiming to be them who wants to tell me about a program that's included in our plan called "Aetna One". I was sort of...
View ArticleInvesting - Theory, News & General • 20 year STRIPS in my 401k
I asked recently about the math on a year 20 treasury but after speaking with Vanguard I'm wondering if a 20 year STRIP would make more sense for me. I have 250k to invest in the bond portion of my...
View ArticlePersonal Investments • Inauguration and market behavior for Q1
My parents want to put some of their pre-tax into VFIAX. It's a % of their portfolio they can afford to lose and still be [financially] OK. They are in retirement. They are looking to lump sum into it...
View ArticlePersonal Finance (Not Investing) • finding an agent willing to sell basic...
Hi,I am trying to buy a basic landlord's insurance policy (dwelling fire + liability). Massachusetts FAIR plan allows DP1 (dwelling fire form 1) + a minimum of $100k liability, but I am having trouble...
View ArticlePersonal Investments • Strategy for education? I’m clueless!
Long story short, we retired two years ago with a substantial nest egg at (52/55). We had frozen embryos and spent the last few years working with three different gestational carriers to have our...
View ArticlePersonal Investments • [Just retired from the military, need] a full...
[Split from Subject: Certified Financial Planner: Where can veteran get a full financial analysis? by Moderator Misenplace]HI, I'm the one asking about post Military retirement CFP. My friend...
View ArticlePersonal Finance (Not Investing) • Military Pension to Roth IRA
I do taxes for a family member who receives half of their ex-spouse's Defense Finance & Accounting Service U.S. Military Retired Pay. I noticed when inputting this into Turbotax that it says they...
View ArticleNon-US Investing • Tax withholding on Roth conversion while non-resident [in UK]
This question has been covered before, but the thread was very specific to the poster's circumstances and hard to follow. I'm asking this in the hope it will be a useful resource for others in a...
View ArticlePersonal Investments • Vanguard ETFs: recurring investments, payment from...
I'm a 3-fund portfolio investor (with small-cap-value-tilt). I planned to do an in-kind transfer from my mutual fund selections (VTSAX + VTIAX + VTEAX + VSIAX (SCV tilt)) to corresponding ETF...
View ArticlePersonal Finance (Not Investing) • Should I sell taxable to contribute to...
BHs:I am thinking of selling from taxable to contribute to my voluntary after-tax (non-Roth) account this year. I will be paying LTCG tax of 20% plus the 3.8% NIIT, so looking at 23.8% in total to do...
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