P&A’s Down 20 Rule

P&A’s Down 20 Rule

One of Wall Street’s most famous sayings is “cut your losses and let your profits run.”  In reality, many investors do the opposite, selling winners too early and holding onto losing positions too long (what’s known as the disposition effect).   Behavioral finance...
Key concepts about money to teach your kids

Key concepts about money to teach your kids

When it comes to money, it is never too early to start educating your kids and teaching them good habits.  Here are a few concepts that some of us at P&A have implemented with our own kids.  If you are a parent, or even a grandparent, hopefully these concepts are...
Five implications of the SECURE Act

Five implications of the SECURE Act

Just before Christmas 2019, Congress passed and the president signed the SECURE Act, the most significant update to retirement law in over a decade.  Here are the five biggest implications:   Elimination of Stretch IRAs for non-spouse inheritors: Beginning in...
How to challenge your IRMAA premium

How to challenge your IRMAA premium

Did you know that, if you have a significant loss of income after you retire, there is an appeal process for IRMAA?  In other words, you might not be locked into paying higher premiums just because you were a high-income earner before retiring.  Before we get into...
A liquidity haiku

A liquidity haiku

This is my first ever haiku (and maybe my last), so bear with me: Cash when you need it.Doesn’t matter, then it does.That’s liquidity. When Berkshire Hathaway reported their earnings earlier this month, the most noteworthy item was their $128 billion cash stockpile. ...

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