Luther Wealth Management — financial planning and investment management for mid-career professionals, from an independent CFA charterholder and fiduciary in Charleston.https://www.lutherwealth.com/https://www.lutherwealth.com/a-new-look-for-luther-wealth/https://www.lutherwealth.com/a-new-look-for-luther-wealth/I've spent the last few weeks redesigning the Luther Wealth website, leaving WordPress behind. Hopefully you'll find the new site prettier and snappier!Sat, 15 Aug 2026 00:00:00 GMTLuther Wealth Newshttps://www.lutherwealth.com/the-rule-of-55-rule-72t-and-retiring-early/https://www.lutherwealth.com/the-rule-of-55-rule-72t-and-retiring-early/What's the #1 thing people know about retirement accounts? They are good for your taxes, but they lock your money up until you are 59½. This is generally…Sun, 09 Aug 2026 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/updating-my-asset-allocation-model-for-2025/https://www.lutherwealth.com/updating-my-asset-allocation-model-for-2025/For the past month I've been working on a few improvements to the asset allocation model that underpins my portfolio management process at Luther Wealth.…Thu, 13 Mar 2025 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/avoiding-double-taxation-in-your-traditional-ira/https://www.lutherwealth.com/avoiding-double-taxation-in-your-traditional-ira/For many investors, traditional IRAs are a cornerstone of their retirement strategy, offering the promise of tax-deferred growth and, in some cases,…Tue, 11 Mar 2025 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/robo-advisor-clients-should-worry-about-synapse/https://www.lutherwealth.com/robo-advisor-clients-should-worry-about-synapse/Last year, a fintech company called Synpase went bankrupt, affecting bank accounts of over 100,000 clients. This bankruptcy sent shockwaves through the…Tue, 04 Mar 2025 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/treasurydirect-is-my-favorite-way-to-buy-bonds/https://www.lutherwealth.com/treasurydirect-is-my-favorite-way-to-buy-bonds/I love TreasuryDirect! It's a free site run by the US Government to allow people to buy US debt. I don't think there's any other situation in which an…Thu, 15 Aug 2024 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/questions-you-should-ask-your-financial-adviser/https://www.lutherwealth.com/questions-you-should-ask-your-financial-adviser/Working with a financial advisor can be one of the most important decisions you make for your financial future. A good advisor acts as a trusted guide,…Sun, 30 Jun 2024 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/the-flip-side-of-efficient-markets-its-hard-to-be-bad/https://www.lutherwealth.com/the-flip-side-of-efficient-markets-its-hard-to-be-bad/There is a lot of debate in finance about the Efficient Market Hypothesis, and to what extent it applies to real markets. I'm generally an efficient…Sun, 15 Oct 2023 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/do-an-ira-rollover-after-leaving-your-job/https://www.lutherwealth.com/do-an-ira-rollover-after-leaving-your-job/I often encounter questions about the best strategies for managing retirement savings. One common query is whether employees should transfer their 401(k)…Thu, 07 Sep 2023 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/adding-a-private-git-dependency-to-a-render-com-project/https://www.lutherwealth.com/adding-a-private-git-dependency-to-a-render-com-project/This post is very off-topic for me, but I just spent a lot of time trying to figure this out and figured I would make a post here in case it could help…Sun, 28 May 2023 00:00:00 GMTLuther Wealth Newshttps://www.lutherwealth.com/tax-strategy/https://www.lutherwealth.com/tax-strategy/Tax strategy is one of the three pillars of sound investment strategy, along with minimizing fees, and diversification. In this article, I'll explore a…Thu, 18 May 2023 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/is-the-sp500-index-actually-diversified/https://www.lutherwealth.com/is-the-sp500-index-actually-diversified/The S&P 500 index, a widely followed benchmark of the U.S. stock market, has long been considered a reliable indicator of the overall health of the…Sat, 13 May 2023 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/backdoor-roth-ira-strategies/https://www.lutherwealth.com/backdoor-roth-ira-strategies/For many individuals, saving for retirement is a top priority. One popular savings vehicle is the Roth IRA, known for its tax-free growth and withdrawals.…Mon, 01 May 2023 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/investment-accounts-for-children/https://www.lutherwealth.com/investment-accounts-for-children/I frequently get asked about investment options that parents can establish for their children. It’s an important question, and there are several options…Mon, 13 Mar 2023 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/inflation-risk-and-how-to-protect-your-portfolio/https://www.lutherwealth.com/inflation-risk-and-how-to-protect-your-portfolio/The biggest financial headlines in 2022 have been about poor market performance amidst high inflation. This has led many investors to search for ways to…Sun, 18 Dec 2022 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/five-reasons-to-not-panic-in-a-bear-market/https://www.lutherwealth.com/five-reasons-to-not-panic-in-a-bear-market/2022 has been an extremely bad year for almost every asset class! Stocks and bonds have suffered large losses. And inflation has been high, further…Thu, 06 Oct 2022 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/sep-plans-are-a-valuable-tool-for-small-businesses/https://www.lutherwealth.com/sep-plans-are-a-valuable-tool-for-small-businesses/Simplified Employee Pension (SEP) Plans are a fantastic tool for small business owners, and employees of small businesses, to save and invest for…Mon, 26 Sep 2022 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/can-you-beat-me-at-picking-an-active-manager/https://www.lutherwealth.com/can-you-beat-me-at-picking-an-active-manager/I am a big proponent of passive investing. But, recently, I have been running a little experiment running a paper trading account with actively managed…Mon, 08 Aug 2022 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/why-i-cover-my-clients-commissions/https://www.lutherwealth.com/why-i-cover-my-clients-commissions/Most retail securities brokerages now offer commission free trading. However, I elect to use a brokerage platform that still charges commissions (IBKR…Wed, 27 Jul 2022 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/critical-flaws-in-binance-and-other-crypto-exchanges/https://www.lutherwealth.com/critical-flaws-in-binance-and-other-crypto-exchanges/For most of 2022, financial news has been filled with stories about big losses across all asset classes. But one of the biggest losers has been…Wed, 25 May 2022 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/direct-indexing-in-luther-wealths-future/https://www.lutherwealth.com/direct-indexing-in-luther-wealths-future/In the great divide between active and passive investing strategies, Luther Wealth is definitely in the passive camp. All of my clients are fully invested…Mon, 16 May 2022 00:00:00 GMTLuther Wealth Newshttps://www.lutherwealth.com/was-wordle-sold-for-a-fair-valuation-probably-not/https://www.lutherwealth.com/was-wordle-sold-for-a-fair-valuation-probably-not/Admit it-- we're all hooked on Wordle. It's annoying and cluttering up everyone's social media, but we can't stop doing the daily puzzle and checking our…Wed, 23 Mar 2022 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/my-favorite-financial-sites/https://www.lutherwealth.com/my-favorite-financial-sites/A quick list of my favorite financial sites and what I use them for. It's a fairly short list, because most financial sites are harmful.Wed, 05 Jan 2022 00:00:00 GMTReading Listshttps://www.lutherwealth.com/rmds-required-minimum-distributions/https://www.lutherwealth.com/rmds-required-minimum-distributions/Do you have money invested in a retirement account? If so, you may be responsible for taking Required Minimum Distributions (RMDs) every year to avoid IRS…Wed, 15 Dec 2021 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/bitcoin/https://www.lutherwealth.com/bitcoin/Bitcoin is a monetary system. The best way to understand it is in comparison to two other monetary technologies: the gold standard and the U.S. Federal…Thu, 02 Dec 2021 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/should-i-buy-a-new-car/https://www.lutherwealth.com/should-i-buy-a-new-car/For several years, I've been thinking about buying a car. This is a big deal for me, because I have owned exactly one vehicle in my life, a 2004 Ford…Thu, 04 Nov 2021 00:00:00 GMTPersonal Financehttps://www.lutherwealth.com/avoid-sketchy-financial-adviser-fees/https://www.lutherwealth.com/avoid-sketchy-financial-adviser-fees/How much is your financial adviser charging you? You might not know, and if you think you know, you might be wrong. The industry is rife with deceptive…Wed, 04 Aug 2021 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/seven-layers-of-investor-protection-at-luther-wealth/https://www.lutherwealth.com/seven-layers-of-investor-protection-at-luther-wealth/Investor protection is probably the 1 thing I spend time thinking about at Luther Wealth. As an independent financial adviser, it can be tough for a…Wed, 02 Jun 2021 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/please-dont-buy-penny-stocks/https://www.lutherwealth.com/please-dont-buy-penny-stocks/I can't think of a worse investment than penny stocks. Maybe a Ponzi Scheme is worse? Debatable. Penny stocks seem to be gaining popularity as a water…Wed, 05 May 2021 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/launching-indie-adviser-next-week/https://www.lutherwealth.com/launching-indie-adviser-next-week/I have been using a self-developed web app called Indie Adviser for the past year to help with my work as an independent financial adviser. Next week, I'm…Fri, 19 Feb 2021 00:00:00 GMTLuther Wealth Newshttps://www.lutherwealth.com/acorns-is-overpriced-and-underpowered/https://www.lutherwealth.com/acorns-is-overpriced-and-underpowered/I have been hearing a lot lately about Acorns. It's a savings app which automatically rounds your card purchases up to the nearest dollar and invests that…Fri, 13 Nov 2020 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/everyone-is-lying-about-texting-and-driving/https://www.lutherwealth.com/everyone-is-lying-about-texting-and-driving/I just finished a run in my neighborhood. Took about 70 minutes. To pass the time, I decided to keep track of how many drivers I ran by that were texting…Fri, 06 Nov 2020 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/integrating-your-luther-wealth-investments-with-mint-and-other-finance-apps/https://www.lutherwealth.com/integrating-your-luther-wealth-investments-with-mint-and-other-finance-apps/When I am working with a new client for Luther Wealth, the first thing I do is make them count all their money. It sounds silly, but if you've had a few…Tue, 22 Sep 2020 00:00:00 GMTLuther Wealth Newshttps://www.lutherwealth.com/the-hidden-economic-miracle-of-driverless-cars-way-fewer-dead-people/https://www.lutherwealth.com/the-hidden-economic-miracle-of-driverless-cars-way-fewer-dead-people/Driverless cars are coming! And along with robot drivers, a lot will change in American culture. One aspect that will change, that I think is…Mon, 13 Jul 2020 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/you-shouldnt-invest-in-the-company-you-work-for/https://www.lutherwealth.com/you-shouldnt-invest-in-the-company-you-work-for/Young investors usually start off investing in stocks through mutual funds, often through retirement vehicles like 401k funds and IRAs. In many cases,…Thu, 27 Feb 2020 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/best-financial-reads-this-week-11-feb-2020/https://www.lutherwealth.com/best-financial-reads-this-week-11-feb-2020/My favorite article this week shows how in the past 20 years or so, the age cohort of American CEOs hasn't changed at all (i.e. baby boomers). Stay tuned…Wed, 12 Feb 2020 00:00:00 GMTReading Listshttps://www.lutherwealth.com/tax-day-is-also-last-minute-ira-contribution-day/https://www.lutherwealth.com/tax-day-is-also-last-minute-ira-contribution-day/Most people know that April 15th is the deadline for tax returns. But it's also an important deadline for your retirement savings. April 15th is also the…Tue, 28 Jan 2020 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/reading-list-5-december-2019/https://www.lutherwealth.com/reading-list-5-december-2019/Great example of status quo bias in an article about the flu this week. And EU privacy laws are helping a murderer wipe his history from Google. Fun…Thu, 05 Dec 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/i-ran-a-marathon-also-heres-how-to-read-a-prospectus/https://www.lutherwealth.com/i-ran-a-marathon-also-heres-how-to-read-a-prospectus/I ran the Philly Marathon this past Sunday! It was my first, and I definitely didn't run it fast, but I finished. I wasn't a fan of the rain and snow at…Wed, 27 Nov 2019 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/reading-list-14-november-2019/https://www.lutherwealth.com/reading-list-14-november-2019/The most important financial news of the past two weeks is that scientists have discovered that Jackson Pollock's technique cleverly avoided a…Thu, 14 Nov 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/you-cant-beat-the-market-and-you-should-stop-trying/https://www.lutherwealth.com/you-cant-beat-the-market-and-you-should-stop-trying/Here are some common questions I get asked as a financial adviser. What's your system? What's your investment strategy? Do you focus on market timing or…Wed, 06 Nov 2019 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/extra-spooky-reading-list-30-october-2019/https://www.lutherwealth.com/extra-spooky-reading-list-30-october-2019/OK fine, this reading list is not spooky. But it's still really good. Google posts a 23% decline in profit! And a very interesting piece by Tyler Cowen on…Wed, 30 Oct 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/wednesday-reading-list-16-october-2019/https://www.lutherwealth.com/wednesday-reading-list-16-october-2019/Two articles this week on how investing is hard-- one about why rich people are bad at it and one about how everyone is bad it. Fun! - Investing for the…Wed, 16 Oct 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/what-are-repo-rates-and-why-are-they-messed-up/https://www.lutherwealth.com/what-are-repo-rates-and-why-are-they-messed-up/Two weeks ago, something weird happened in the lending markets that businesses and banks use to shuffle their spending money around. A sharp increase in…Mon, 07 Oct 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/wednesday-reading-list-25-september-2019/https://www.lutherwealth.com/wednesday-reading-list-25-september-2019/An extra long list this week to catch up after Hurricane Dorian. Favorite quote this week: "Thus, accumulating evidence shows that over-representation of…Wed, 25 Sep 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/school-shootings-and-availability-bias/https://www.lutherwealth.com/school-shootings-and-availability-bias/Did you know that today's young parents were about 58% more likely to get shot at school than today's school-aged children? Contemporary thirty-somethings…Wed, 18 Sep 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/wednesday-reading-list-28-august-2019/https://www.lutherwealth.com/wednesday-reading-list-28-august-2019/Really great post from Cliff Asness at AQR this week on bond valuations. - The 1619 Project. NY Times. - Are Health Administrators To Blame? Alex…Wed, 28 Aug 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/how-to-protect-your-portfolio-from-the-yield-curve-inversion/https://www.lutherwealth.com/how-to-protect-your-portfolio-from-the-yield-curve-inversion/You've probably read some stuff about the yield curve inverting earlier this month. Or at least heard someone talking about it in the last few weeks.…Fri, 23 Aug 2019 00:00:00 GMTInvesting Principleshttps://www.lutherwealth.com/wednesday-reading-list-14-august-2019/https://www.lutherwealth.com/wednesday-reading-list-14-august-2019/I really enjoyed the article about Google's internal culture, but the key article this week is a short blog from PIMCO on the possibility of negative…Wed, 14 Aug 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/how-should-your-teenager-spend-their-summer/https://www.lutherwealth.com/how-should-your-teenager-spend-their-summer/I like using the logic of financial analysis to solve everyday household problems. In the past, I have looked at whether I should bail on my old truck,…Tue, 06 Aug 2019 00:00:00 GMTPersonal Financehttps://www.lutherwealth.com/friday-reading-list-2-august-2019/https://www.lutherwealth.com/friday-reading-list-2-august-2019/Support for minimum wage hikes, food stamps, passive indexing, and free trade. I'm kind of all over the place this week. Plus an engraving of Adam Smith…Fri, 02 Aug 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/news-sources-how-to-stay-informed-and-limit-bias/https://www.lutherwealth.com/news-sources-how-to-stay-informed-and-limit-bias/The reliability of various news media was a focus of discussion during the 2016 and 2018 elections. Various news sources have been criticized as biased,…Tue, 30 Jul 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/friday-reading-list-26-july-2019/https://www.lutherwealth.com/friday-reading-list-26-july-2019/- 16,000 Readers Shared Their Experiences of Being Told to ‘Go Back.’ Here Are Some of Their Stories. NY Times. - New Inequality Data Is a Gift to…Fri, 26 Jul 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/financial-articles-im-reading-this-week-19-july-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-19-july-2019/- How U.S. Tech Companies are Helping Build China's Surveillance State. The Intercept. - How Iran Sees Its Standoff With the United States. Foreign…Fri, 19 Jul 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/should-you-go-for-an-mba/https://www.lutherwealth.com/should-you-go-for-an-mba/Last month I took a look at a question with some relevance to me personally: should I buy a new car? In a similar vein, this week I'd like to take a look…Wed, 17 Jul 2019 00:00:00 GMTPersonal Financehttps://www.lutherwealth.com/financial-articles-im-reading-this-week-12-july-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-12-july-2019/Lots of different topics this week-- investing, Mueller, AOC, minimum wage law. If you have to pick one, read the AOC interview at New Yorker. - Should…Fri, 12 Jul 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/financial-articles-im-reading-this-week-5-july-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-5-july-2019/Really great article from Barron's this week on an upcoming 401(k) rule change. My take: this change is designed to help insurance salesmen at the expense…Fri, 05 Jul 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/financial-mad-libs-how-to-recognize-and-ignore-them/https://www.lutherwealth.com/financial-mad-libs-how-to-recognize-and-ignore-them/The online media ecosystem is filled with all kinds of financial news. Quarterly earnings reports, Fed watching, political commentary, early retirement…Tue, 02 Jul 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/financial-articles-im-reading-this-week-28-june-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-28-june-2019/- Democratic Debate Ignores Illegal Immigration’s Cause: No Visas. Cato Institute. - How China Really Sees The Trade War: Xi Still Believes He Has The…Fri, 28 Jun 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/what-happens-at-your-first-financial-adviser-meeting/https://www.lutherwealth.com/what-happens-at-your-first-financial-adviser-meeting/So, you've done your homework, you've researched financial advisers, you've been reading the LWM blog, and you've made the decision to call up Luther…Tue, 25 Jun 2019 00:00:00 GMTChoosing an Adviserhttps://www.lutherwealth.com/financial-articles-im-reading-this-week-21-june-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-21-june-2019/Two of my favorite investors chat this week! Great stuff. Also an opposing take on my support of stock buybacks. - MIB: Jonathan Stein, founder and CEO of…Fri, 21 Jun 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/is-the-new-healthcare-rule-a-sly-stimulus-program/https://www.lutherwealth.com/is-the-new-healthcare-rule-a-sly-stimulus-program/Last week, President Trump announced a change to federal healthcare rules which will affect employers that offer Health Reimbursement Accounts (HRAs).…Tue, 18 Jun 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/financial-articles-im-reading-this-week-14-june-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-14-june-2019/- SNAP Caseload and Spending Declines Have Accelerated in Recent Years. CBPP. The recovery is real but no one seems to believe it. Times are pretty good!…Fri, 14 Jun 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/financial-articles-im-reading-this-week-7-june-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-7-june-2019/Continuing a streak of going heavy on off-topic articles. But... DINOSAURS!! - Make School Hard Again. Reason. HT Tyler Cowen. - The Day the Dinosaurs…Fri, 07 Jun 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/political-news-in-2018-that-mattered-to-your-portfolio/https://www.lutherwealth.com/political-news-in-2018-that-mattered-to-your-portfolio/Last week I wrote a bit about how many unethical financial advisers make extensive use of pressure sales tactics. Political news items are some of the…Tue, 04 Jun 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/financial-articles-im-reading-this-week-31-may-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-31-may-2019/Mostly off-topic stuff this week. Some great articles here though! - A shocking share of the public thinks randomized trials are immoral. Vox. Very…Fri, 31 May 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/financial-articles-im-reading-this-week-24-may-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-24-may-2019/Here are a few financial and economic articles that I found interesting this week. Lots of good stuff to read about the US - China trade dispute. - John…Fri, 24 May 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/cognitive-biases-confirmation-bias/https://www.lutherwealth.com/cognitive-biases-confirmation-bias/This is Part 1 of a series of posts about various cognitive errors that lead to poor investment decisions. Part 1 deals with confirmation bias. I know…Tue, 21 May 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/financial-articles-im-reading-this-week-17-may-2019/https://www.lutherwealth.com/financial-articles-im-reading-this-week-17-may-2019/Here are a few financial articles that I found interesting this week. Let me know if I missed some! - Is it True that 40% of Americans Can't Handle a $400…Fri, 17 May 2019 00:00:00 GMTReading Listshttps://www.lutherwealth.com/stock-buybacks-arent-evil/https://www.lutherwealth.com/stock-buybacks-arent-evil/I have read several articles over the past year that include some harsh criticism of corporate stock buybacks. Most include a version of the argument:…Mon, 13 May 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/401k-selection/https://www.lutherwealth.com/401k-selection/401k investments are often the entry point for young investors into the market. There are a lot of factors that can and should influence an investor's…Sat, 04 May 2019 00:00:00 GMTRetirement & Tax Strategyhttps://www.lutherwealth.com/cowen-has-misled-us-on-aocs-marginal-tax-rate-idea/https://www.lutherwealth.com/cowen-has-misled-us-on-aocs-marginal-tax-rate-idea/Tyler Cowen is my favorite blogger. He is completely unique, brilliant, and infinitely curious. But he just wrote a really bad article for Bloomberg on…Wed, 09 Jan 2019 00:00:00 GMTEconomics & Commentaryhttps://www.lutherwealth.com/personal-finance-basics/https://www.lutherwealth.com/personal-finance-basics/The past 50 years have seen incredible advances in investment accessibility for average Americans. With the development of simple indexed mutual funds in…Sun, 19 Nov 2017 00:00:00 GMTPersonal Financehttps://www.lutherwealth.com/i-dont-understand-21-inc/https://www.lutherwealth.com/i-dont-understand-21-inc/Recently I have seen several headlines surrounding a new tech firm 21 Inc. that has raised a considerable amount of capital. They specialize in bitcoin…Mon, 14 Dec 2015 00:00:00 GMTEconomics & Commentary