by Nate Byers | Oct 9, 2025 | Retirement, Retirement Portfolio, Uncategorized
Most retirees believes it’s safe to create their retirement paycheck from dividends and interest. Living off the income is intuitive. Unfortunately, living off dividends and interest is not sufficient for a withdrawal plan. First of all, at the time of this...
by Nate Byers | Jul 1, 2025 | Taxes, Uncategorized
Get Ready You need: A computer or smartphone with internet access. An email address you check regularly. Your phone (for a phone number). A government-issued ID (like a driver’s license or passport). A safe place to write down your password. (I recommend a Password...
by Nate Byers | Jun 16, 2025 | Taxes, Uncategorized
If you’ve known me for a while, you know that I put a high value on risk management. This is why I love TAA, and it’s why I constantly bug you about getting a Password Manager (click here to learn more). As we head into 2025, please consider one more risk...
by Nate Byers | May 22, 2025 | Portfolio Management, Uncategorized
You might be wondering… why does trend-following/TAA work in the first place? If you’ve ever heard of the efficient market hypothesis, then you’re certainly skeptical of the benefits of trend-following. What the efficient market hypothesis (EMH) taught is that you...
by Nate Byers | Oct 20, 2023 | Retirement, Uncategorized
You might be here because you searched Fee Only Financial Advisors Madison, WI, or a similar term. You might be here because you’re curious about what it means to be a fee-only financial advisor. Good news for you… this article aims to help you understand what it...
by Nate Byers | Jun 30, 2022 | Calculators, Uncategorized
Understanding the math of gains and losses is an important investment management skill. The best way to learn it is through running the numbers. Below is a percentage gain calculator to help you see what I mean. Previously, we discussed the volatility tax and its...
by Nate Byers | Feb 11, 2022 | Portfolio Management, Uncategorized
Drawdowns are public enemy #1 for retirement portfolios. What are drawdowns? It’s the amount an account falls from it’s previous high point. Year 1 = 20% investment loss.Year 2 =25% investment loss. Example 1: Drawdowns are magnified when investment losses are coupled...
by Nate Byers | May 28, 2021 | Calculators, Uncategorized
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by Nate Byers | May 28, 2021 | Calculators, Uncategorized
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by Nate Byers | Feb 11, 2021 | Portfolio Management, Uncategorized
Taxes eat your portfolio. The tax I’m talking about has nothing to do with your income. The IRS doesn’t take it. We’re talking about volatility tax. Volatility tax is not common knowledge. Volatility tax only shows up through portfolio drawdowns. The worst part of...
