The Library

Clear, sourced answers to the financial questions that actually move your net worth. Written from the research, reviewed for accuracy, and kept current. No products to sell, and every claim carries its sources.

Fees and advisors

What a 1% advisory fee actually costs

The arithmetic of percentage-of-assets fees: what 1% per year does to a portfolio over 10, 20, and 30 years, and the questions worth asking about any fee.

Equity compensation

RSUs: why selling at vest is the sensible default

How restricted stock units are taxed, why holding vested shares is a concentrated bet rather than a tax strategy, and the cases where selling immediately is not possible.

Household hygiene

Beneficiary designations: the check most people skip

Why the beneficiary form on file controls retirement accounts and life insurance regardless of what a will says, and how to audit yours in half an hour.

Being written next

Taxes and location

Asset location: which investments belong in which accounts
Tax-loss harvesting and the wash-sale rule, honestly explained
Roth conversion windows

Retirement design

Withdrawal strategies and sequence-of-returns risk
Designing a partial retirement
When to claim Social Security

Cross-border households

Fitting a foreign pension into a US retirement plan
Moving countries with investment accounts

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