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# One Degree Advisors

## Sitemaps

- [XML Sitemap](https://onedegreeadvisors.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://onedegreeadvisors.com/blogs/)
- [$3.5M in my 401(k) - Why you Shouldn't Do Roth Conversions](https://onedegreeadvisors.com/2026/08/3-5m-in-my-401k-why-you-shouldnt-do-roth-conversions/) - Roth conversions aren't always the right move. Learn why some people shouldn't do Roth conversions — and when they should.
- [When You Retire Early With $3M, Tell No One, Here's Why…](https://onedegreeadvisors.com/2026/08/when-you-retire-early-with-3m-tell-no-one-heres-why/) - Retire early with $3M+? Learn why financial privacy matters, who should know your net worth, and three moves to protect what you've built.
- [Why Secretly Wealthy Retirees Look Poor to the IRS](https://onedegreeadvisors.com/2026/08/why-secretly-wealthy-retirees-look-poor-to-the-irs/) - Secretly wealthy retirees pay little or no federal tax — not through loopholes, but by controlling which dollars ever hit their return. Here's how
- [They Spend $20K/mo. Here's What Their Retirement Spending Plan Looks Like](https://onedegreeadvisors.com/2026/08/they-spend-20k-mo-heres-what-their-retirement-spending-plan-looks-like/) - Here's how one couple built a real retirement spending plan around $20K/month — Social Security timing, guardrails, and tax strategy included.
- [The 3 Retirement Decisions Nobody Warns You About](https://onedegreeadvisors.com/2026/07/the-3-retirement-decisions-nobody-warns-you-about/) - Discover the 3 retirement decisions nobody warns you about tax valley strategy, the "never touch principal" myth, and the real retirement budget.
- [The PERFECT Retirement Tax Plan for IRA Millionaires](https://onedegreeadvisors.com/2026/07/the-perfect-retirement-tax-plan-for-ira-millionaires/) - A retirement tax plan can save IRA millionaires hundreds of thousands in taxes. See how to use the low-income years before RMDs strategically.
- [The PERFECT Age to Retire Early (backed by the data)](https://onedegreeadvisors.com/2026/07/the-perfect-age-to-retire-early-backed-by-the-data/) - Wondering about the perfect age to retire? Discover what research says about balancing finances, health, and happiness for a successful retirement.
- [$4M vs $3M in Retirement: Here’s What Changes](https://onedegreeadvisors.com/2026/07/4m-vs-3m-in-retirement-heres-what-changes/) - Is $3M in retirement enough? Learn how income planning, Social Security, taxes, and flexible withdrawals determine retirement success.
- [Every Level of Retirement Wealth Explained in 11 minutes](https://onedegreeadvisors.com/2026/07/every-level-of-retirement-wealth-explained-in-11-minutes/) - Learn the retirement wealth levels, the biggest financial risks at each stage, and practical strategies to build a more secure retirement.
- [Retire with $3M? Everything Changes with a Younger Spouse](https://onedegreeadvisors.com/2026/07/retire-with-3m-everything-changes-with-a-younger-spouse/) - Retiring with a younger spouse requires careful planning. Learn how age differences affect Social Security, taxes, healthcare, and long-term retirement income.
- [They Spend $20K/mo. Here’s What Their Early Retirement Plan Looks Like](https://onedegreeadvisors.com/2026/07/they-spend-20k-mo-heres-what-their-early-retirement-plan-looks-like/) - Learn how to plan for early retirement with a flexible spending strategy that helps protect your savings while supporting the lifestyle you want.
- [Here’s What an $8M Retirement Really Looks Like](https://onedegreeadvisors.com/2026/07/heres-what-an-8m-retirement-really-looks-like/) - $8M Retirement: Learn how strategic income planning, tax management, and Roth conversions can maximize spending and reduce lifetime taxes.
- [Second Quarter 2026 Investment Market Review](https://onedegreeadvisors.com/2026/07/second-quarter-2026-investment-market-review/) - Take a look at our first quarter 2026 Investment Market Review. Download our free PDF.
- [Why The First 5 Years In Retirement Matter More Than The Next 20+](https://onedegreeadvisors.com/2026/07/why-the-first-5-years-in-retirement-matter-more-than-the-next-20/) - The first five years in retirement can determine your long-term financial success. Learn strategies to protect your portfolio and income.
- [The PERFECT Year to Do a Roth Conversion (Backed by Data)](https://onedegreeadvisors.com/2026/07/the-perfect-year-to-do-a-roth-conversion-backed-by-data/) - Wondering if this is the perfect year to do a Roth conversion? Learn the key tax factors that can help reduce lifetime taxes and maximize retirement savings.
- [It’s Boring, But This $4M Retirement Portfolio Actually Works](https://onedegreeadvisors.com/2026/06/its-boring-but-this-4m-retirement-portfolio-actually-works/) - Learn how a $4 million retirement portfolio can provide sustainable income using smart allocation, tax planning, guardrails, and long-term investing.
- [I'm 59 with $3.4M. How Much Can I Spend In Retirement?](https://onedegreeadvisors.com/2026/06/im-59-with-3-4m-how-much-can-i-spend-in-retirement/) - How much can I spend in retirement? Learn how withdrawal strategies, guardrails, taxes, and portfolio design impact retirement income.
- [The SYSTEM Retired Millionaires use to Create Retirement Income](https://onedegreeadvisors.com/2026/06/the-system-retired-millionaires-use-to-create-retirement-income/) - Learn how a retirement income strategy using four investment buckets can create reliable cash flow while protecting your portfolio from market volatility.
- [The PERFECT Retirement Tax Bracket (Most People Blow Right Past It)](https://onedegreeadvisors.com/2026/06/the-perfect-retirement-tax-bracket-most-people-blow-right-past-it/) - Learn how choosing the right retirement tax bracket can reduce lifetime taxes, improve Roth conversion opportunities, and increase retirement wealth.
- [When Retirees See This Data, They Stop Worrying About Sequence of Returns Risk](https://onedegreeadvisors.com/2026/06/when-retirees-see-this-data-they-stop-worrying-about-sequence-of-returns-risk/) - Learn how Sequence of Returns Risk affects retirement income, why timing matters more than average returns, and strategies to protect your portfolio.
- [5 Surprising Lessons I’ve Learned From My Clients Who Retire Early](https://onedegreeadvisors.com/2026/06/5-surprising-lessons-ive-learned-from-my-clients-who-retire-early/) - Want to retire early? Discover five surprising lessons successful retirees learned about money, health, purpose, and financial freedom.
- [Show This to Any Retiree With Only Pre-Tax Accounts (Roth Conversion)](https://onedegreeadvisors.com/2026/06/show-this-to-any-retiree-with-only-pre-tax-accounts-roth-conversion/) - Learn how a Roth conversion strategy can help retirees reduce future RMDs, manage tax brackets, and potentially save thousands in taxes.
- [What Can You Really Spend from a $2M Retirement?](https://onedegreeadvisors.com/2026/06/what-can-you-really-spend-from-a-2m-retirement/) - Retirement milestones go beyond savings goals. Learn the seven key tests that help build financial security, confidence, and a fulfilling retirement.
- [This Is When You FINALLY Can Stop Doing Roth Conversions (Seriously)](https://onedegreeadvisors.com/2026/06/this-is-when-you-finally-can-stop-doing-roth-conversions-seriously/) - Retire early with a smarter Roth conversion strategy. Learn when to stop Roth conversions and avoid paying unnecessary retirement taxes.
- [7 Retirement Milestones You MUST Pass (Or You're Behind)](https://onedegreeadvisors.com/2026/06/7-retirement-milestones-you-must-pass-or-youre-behind/) - Retirement milestones go beyond savings goals. Learn the seven key tests that help build financial security, confidence, and a fulfilling retirement.
- [$500k vs $5M vs $10M Early Retirement. What Changes.](https://onedegreeadvisors.com/2026/06/500k-vs-5m-vs-10m-early-retirement-what-changes/) - Discover the key factors that determine early retirement success, from portfolio size and Social Security to taxes, spending, and risk management.
- [This New $2M Retirement Strategy Fits On A Sticky Note](https://onedegreeadvisors.com/2026/05/this-new-2m-retirement-strategy-fits-on-a-sticky-note/) - Discover a simple $2M retirement strategy that helps turn retirement savings into income, confidence, and a more meaningful retirement.
- [I Spent Years Studying the Best Early Retirement Portfolios](https://onedegreeadvisors.com/2026/05/i-spent-years-studying-the-best-early-retirement-portfolios/) - Learn how to build an early retirement portfolio designed to last 40+ years with diversification, risk management, and long-term growth.
- [$3M Retirement at 60 vs 65 - What actually changes](https://onedegreeadvisors.com/2026/05/3m-retirement-at-60-vs-65-what-actually-changes/) - Is a $3M retirement enough? Learn how taxes, healthcare costs, and retirement income strategies affect retiring at 60 versus 65.
- [How NOT to Create Income in Retirement (Everyone needs to learn this)](https://onedegreeadvisors.com/2026/05/how-not-to-create-income-in-retirement-everyone-needs-to-learn-this/) - Learn smarter strategies for creating stable income in retirement and why relying too heavily on dividend investing can increase financial risk.
- [If I were retiring early with $2M+, I’d Avoid This](https://onedegreeadvisors.com/2026/05/if-i-were-retiring-early-with-2m-id-avoid-this/) - Retiring early? Learn the biggest retirement investing mistake to avoid and how to protect your portfolio for long-term success.
- [I’ve Seen 1,000 Retirement Portfolios, Here's How I'd Invest $3M If I Retire Early](https://onedegreeadvisors.com/2026/05/ive-seen-1000-retirement-portfolios-heres-how-id-invest-3m-if-i-retire-early/) - Learn how to retire early with smart retirement planning, tax strategies, and portfolio management that helps your wealth last longer.
- [Retire with $15M: Here’s what life’s actually like](https://onedegreeadvisors.com/2026/05/retire-with-15m-heres-what-lifes-actually-like/) - Can you retire with $15M and still feel financially stressed? Learn why wealthy retirees struggle with confidence and how smart planning helps.
- [Retiring from Broadcom? Watch This First (Tax + Stock Strategy)](https://onedegreeadvisors.com/2026/05/retiring-from-broadcom-watch-this-first-tax-stock-strategy/) - Retiring from Broadcom? Learn diversification, tax planning, and retirement income strategies for concentrated stock positions.
- [Everything Changes at $10M in Retirement Savings](https://onedegreeadvisors.com/2026/05/everything-changes-at-10m-in-retirement-savings/) - Learn what changes once you have $10M in retirement and how affluent retirees coordinate taxes, investments, income, and estate planning.
- [The Simple 401(k) Mistake That Stops Early Retirement (Fix This)](https://onedegreeadvisors.com/2026/05/the-simple-401k-mistake-that-stops-early-retirement-fix-this/) - Discover the biggest 401(k) mistake that can delay early retirement and learn smart strategies to access your money before age 59½.
- [When You Retire, DO NOT Convert Until You Do These 3 Things](https://onedegreeadvisors.com/2026/05/when-you-retire-do-not-convert-until-you-do-these-3-things/) - Learn the 3 critical things to review before completing a Retirement Roth Conversion, including taxes, ACA subsidies, and Medicare IRMAA.
- [The Retirement Tax Window Many Retirees Miss](https://onedegreeadvisors.com/2026/05/the-retirement-tax-window-many-retirees-miss/) - Discover how the retirement tax window can help retirees reduce lifetime taxes, lower RMDs, and improve retirement planning.
- [I have $4 Million. Can I Retire Early in San Diego, California?](https://onedegreeadvisors.com/2026/05/i-have-4-million-can-i-retire-early-in-san-diego-california/) - Can you retire early in San Diego? Learn how much you may need, healthcare considerations, taxes, and strategies for long-term financial independence.
- [The Only Early Retirement Tax Guide You’ll Ever Need](https://onedegreeadvisors.com/2026/05/the-only-early-retirement-tax-guide-youll-ever-need/) - Learn how to retire early with smart tax strategies. Discover ways to access retirement funds, reduce taxes, and make your savings last longer.
- [$2.5M in Retirement - Large 401(k) Tax Planning](https://onedegreeadvisors.com/2026/05/2-5m-in-retirement-large-401k-tax-planning/) - Learn smart large 401(k) tax planning strategies to reduce RMD impact, manage withdrawals, and minimize lifetime taxes in retirement.
- [Retire with $4M in So. California: Here’s What Life Actually Looks Like](https://onedegreeadvisors.com/2026/05/retire-with-4m-in-so-california-heres-what-life-actually-looks-like/) - Can you retire with $4M? Learn how lifestyle, taxes, and investment strategy impact retirement success—especially in high-cost areas.
- [This One Number Predicts Retirement Success (95% Accuracy)](https://onedegreeadvisors.com/2026/05/this-one-number-predicts-retirement-success-95-accuracy-2/) - Learn how to retire early by focusing on income, flexibility, and strategy, not a fixed savings number. Rethink your retirement plan today.
- [This One Number Predicts Retirement Success (95% Accuracy)](https://onedegreeadvisors.com/2026/04/this-one-number-predicts-retirement-success-95-accuracy/) - Learn how to retire early by focusing on income, flexibility, and strategy, not a fixed savings number. Rethink your retirement plan today.
- [Retirement Planning: Why Timing Matters More Than You Think](https://onedegreeadvisors.com/2026/04/retirement-planning-why-timing-matters-more-than-you-think/) - Learn how retirement planning is affected by market timing and sequence of returns risk, and how to protect your savings from early downturns.
- [Why People Get Richer After Retirement with the 4% Rule](https://onedegreeadvisors.com/2026/04/why-people-get-richer-after-retirement-with-the-4-rule/) - Learn how the 4% rule works, its benefits, risks, and why it may be too conservative for modern retirement planning strategies.
- [Tax Traps That Can Cost You Thousands in Retirement](https://onedegreeadvisors.com/2026/04/tax-traps-that-can-cost-you-thousands-in-retirement/) - Avoid costly tax traps in retirement. Learn how smart planning and asset location can help reduce taxes and protect your income.
- [Long Term Care Insurance in Retirement](https://onedegreeadvisors.com/2026/04/long-term-care-insurance-in-retirement/) - Understand long term care insurance, what it covers, its costs, and whether it fits your retirement plan and healthcare strategy.
- [How to retire early at 45 and never run out of money](https://onedegreeadvisors.com/2026/04/how-to-retire-early-at-45-and-never-run-out-of-money/) - Learn what it really takes to retire early, including risks, strategies, and how to make your savings last for decades.
- [How Much Do You Need Saved To Spend $17K Per Month in Retirement?](https://onedegreeadvisors.com/2026/04/how-much-do-you-need-saved-to-spend-17k-per-month-in-retirement/) - Want to spend $17K per month in retirement? Discover how much you need saved, the risks involved, and smart strategies to sustain your lifestyle.
- [First Quarter 2026 Investment Market Review](https://onedegreeadvisors.com/2026/04/first-quarter-2026-investment-market-review/) - Take a look at our first quarter 2026 Investment Market Review. Download our free PDF.
- [The $3M Retirement: Your 30 Year Retirement Plan is Now a Risk](https://onedegreeadvisors.com/2026/04/the-3m-retirement-your-30-year-retirement-plan-is-now-a-risk/) - Is a 30 year retirement plan enough? Learn how to build a flexible strategy that protects your savings and adapts to longer life expectancy.
- [$3M Retirement: What a Real Portfolio Strategy Looks Like](https://onedegreeadvisors.com/2026/04/what-a-3m-retirement-portfolio-looks-like/) - A clear $3M retirement portfolio strategy covering asset allocation, income planning, and withdrawals to help ensure long-term financial security.
- [Retire 3 Years Earlier Without Saving More](https://onedegreeadvisors.com/2026/03/retire-3-years-earlier-without-saving-more/) - Discover how to retire 3 years earlier without saving more by optimizing your financial plan, taxes, and income strategy.
- [How Much Does It Take to Retire EARLY on a $12k/mo Budget?](https://onedegreeadvisors.com/2026/03/how-much-does-it-take-to-retire-early-on-a-12k-mo-budget-2/) - Learn how to retire early with a smart income strategy, avoid common mistakes, and confidently spend without fear of running out of money.
- [You're Financially Ready to Retire. So Why Can't You Do It?](https://onedegreeadvisors.com/2026/03/youre-financially-ready-to-retire-so-why-cant-you-do-it/) - Retiring with $5M sounds secure, but many still feel uncertain. Learn why savings alone isn’t enough and how to build true retirement confidence.
- [5 Years From Retirement: How This Couple Built a 52% Income Raise](https://onedegreeadvisors.com/2026/03/5-years-from-retirement-how-this-couple-built-a-52-income-raise/) - Planning for retirement? Learn what to do when you're 5 years from retirement, including income strategies, tax planning, and risk management.
- [Retire Early with $2M and Single](https://onedegreeadvisors.com/2026/03/retire-early-with-2m-and-single/) - Learn how to retire early with $2M and single. Discover smarter strategies to protect your income and financial future.
- [The $357k Portfolio Mistake: $3M Retirement Case Study](https://onedegreeadvisors.com/2026/03/the-357k-portfolio-mistake-3m-retirement-case-study/) - A retirement case study showing how a $3M portfolio was restructured to stabilize income, manage market risk, and uncover $357,000 in tax savings.
- [The Retirement Mistake Most People Don’t See Coming](https://onedegreeadvisors.com/2026/03/the-retirement-mistake-most-people-dont-see-coming/) - The biggest retirement mistake isn’t money—it’s lack of purpose. Learn how to avoid regret and build a meaningful, fulfilling retirement life.
- [Retirement Planning: What Vanguard’s Market Forecast Means for Investors](https://onedegreeadvisors.com/2026/03/retirement-planning-what-vanguards-market-forecast-means-for-investors/) - Retirement planning may look different if future returns are lower. Learn what Vanguard’s market forecast means for investors and retirement strategies.
- [62 With $2.5M in M y 401(k): Why I'm NOT Converting to Roth](https://onedegreeadvisors.com/2026/03/62-with-2-5m-in-m-y-401k-why-im-not-converting-to-roth/) - Retire early or work longer? Learn how early retirement can create powerful tax planning opportunities and potentially improve long-term financial outcomes.
- [The Retirement Income Question Almost Everyone Asks Too Late](https://onedegreeadvisors.com/2026/03/the-retirement-income-question-almost-everyone-asks-too-late/) - Learn how to create reliable retirement income using proven withdrawal strategies, Social Security planning, and smart portfolio management.
- [New 2026 IRS Rules: The Exact Sequence for $126k of Income](https://onedegreeadvisors.com/2026/03/new-2026-irs-rules-the-exact-sequence-for-126k-of-income/) - Learn how retirees can generate tax-free income using smart withdrawal strategies, Social Security planning, and current IRS retirement tax rules.
- [55 With $3 Million Saved. Can I Retire Early?](https://onedegreeadvisors.com/2026/02/55-with-3-million-saved-can-i-retire-early/) - Can you retire early with $3 million? Explore withdrawal strategies, income planning, and risk management in this real-world case study.
- [You’re Saving TOO MUCH for Retirement - Here’s When to Stop](https://onedegreeadvisors.com/2026/02/youre-saving-too-much-for-retirement-heres-when-to-stop/) - Are you saving too much for retirement? Learn when to shift from accumulation to strategy and avoid overfunding at the expense of today.
- [How Much Can You Really Spend from a $5M Portfolio?](https://onedegreeadvisors.com/2026/02/5m-portfolio/) - How much can you safely spend from a $5M portfolio? Learn withdrawal rates, tax strategy, and how to build sustainable retirement income.
- [Age 70 With a Large IRA - Here’s What to Do Before RMDs Start](https://onedegreeadvisors.com/2026/01/age-70-with-a-large-ira-heres-what-to-do-before-rmds-start/) - Learn what to do before RMDs begin. Smart tax moves in your early 70s can reduce future taxes and give you more control over retirement income.
- [Selling an $8M Business was the Easy Part — Retirement Wasn’t](https://onedegreeadvisors.com/2026/01/selling-an-8m-business-was-the-easy-part-retirement-wasnt/) - Selling an $8M business brings financial freedom—but for many, the real challenge begins with redefining purpose in retirement.
- [How Millionaires Diversify a Huge Stock Position Without a Massive Tax Bill](https://onedegreeadvisors.com/2026/01/how-millionaires-diversify-a-huge-stock-position-without-a-massive-tax-bill/) - Learn how to diversify a huge stock position without incurring massive taxes. Explore proven strategies for reducing risk and protecting your wealth.
- [62 with $3M Saved - Am I Crazy for Still Working?](https://onedegreeadvisors.com/2026/01/62-with-3m-saved-am-i-crazy-for-still-working/) - At 62 with $3M saved, retirement seems obvious—yet many choose to keep working. Discover why financial independence doesn't always mean stopping work.
- [How 7.6% Retirement Withdrawal Can Be As Safe As 4%](https://onedegreeadvisors.com/2026/01/how-7-6-retirement-withdrawal-can-be-as-safe-as-4/) - Discover how a 7.6% retirement withdrawal can be just as safe as 4% with a dynamic plan that adjusts to market changes and real-life needs.
- [When Breaking the “Save Roth for Last” Rule Actually Makes Sense](https://onedegreeadvisors.com/2026/01/when-breaking-the-save-roth-for-last-rule-actually-makes-sense/) - Rethinking the advice to save Roth for last? Learn when spending from your Roth IRA early could actually reduce taxes and boost retirement flexibility.
- [Retiring with a Pension and Investment Portfolio: How to Coordinate Income, Risk, and Taxes](https://onedegreeadvisors.com/2026/02/retiring-with-a-pension-and-investment-portfolio-how-to-coordinate-income-risk-and-taxes/) - Retiring with a pension and investment portfolio changes how you manage risk, taxes, and spending. Learn how to coordinate income for long-term confidence.
- [Retirement Plan Leaks: 3 Hidden Drains That Can Quietly Derail Your Future](https://onedegreeadvisors.com/2026/02/retirement-plan-leaks-3-hidden-drains-that-can-quietly-derail-your-future/) - Retirement plan leaks can quietly increase taxes, amplify market risk, and reduce after-tax returns. Learn the three biggest threats and how to fix them.
- [If I Wanted To Retire Early In 2026, Here is what I’d do](https://onedegreeadvisors.com/2026/02/if-i-wanted-to-retire-early-in-2026-here-is-what-id-do/) - Retire early without sacrificing your lifestyle. Learn smart strategies to align Social Security, savings, and timing for a confident early retirement.
- [What’s a ‘Safe’ Retirement Withdrawal Rate for 2026? (New Research)](https://onedegreeadvisors.com/2026/01/whats-a-safe-retirement-withdrawal-rate-for-2026-new-research/) - Discover what changes between retiring with $1M vs $10M—and how to retire early with clarity, confidence, and a plan aligned with your goals.
- [The $1M Retirement vs. $10M Retirement (Full Comparison)](https://onedegreeadvisors.com/2026/01/the-1m-retirement-vs-10m-retirement-full-comparison/) - Discover what changes between retiring with $1M vs $10M—and how to retire early with clarity, confidence, and a plan aligned with your goals.
- [How to Plan for Retirement Using a Simple Decision Framework](https://onedegreeadvisors.com/2026/01/how-to-plan-for-retirement-using-a-simple-decision-framework/) - Learn how to plan for retirement with a simple framework that clarifies what matters most, reduces stress, and helps you build a fulfilling retirement.
- [Fourth Quarter 2025 Investment Market Review](https://onedegreeadvisors.com/2026/01/fourth-quarter-2025-investment-market-review/) - Take a look at our fourth quarter 2025 Investment Market Review. Download our free PDF.
- [Retirement Income Strategy That Keeps Your Paycheck Steady](https://onedegreeadvisors.com/2026/01/retirement-income-strategy-that-keeps-your-paycheck-steady/) - Build a retirement income strategy with a four bucket war chest so your paycheck stays steady in market downturns and you avoid selling stocks at the wrong time
- [Which Account Should I Withdraw Money From First in Retirement?](https://onedegreeadvisors.com/2025/12/which-account-should-i-withdraw-money-from-first-in-retirement/) - Which retirement account should you withdraw from first? Learn how withdrawal order affects taxes, income, and long term retirement success.
- [Why Everything Changes for Retirees With $10 Million Saved](https://onedegreeadvisors.com/2025/12/why-everything-changes-for-retirees-with-10-million-saved/) - Discover why reaching $10M+ doesn't guarantee freedom—and what to rethink if you want to retire early with clarity, confidence, and control.
- [$1M vs $10M: What Wealthy Retirees Never Buy (But Others Do)](https://onedegreeadvisors.com/2025/12/1m-vs-10m-what-wealthy-retirees-never-buy-but-others-do/) - Discover what wealthy retirees never buy, and why avoiding certain financial products can make a big difference in your long-term retirement success.
- [DO THIS To Stop A Market Drop Ruining Your Retirement](https://onedegreeadvisors.com/2025/12/do-this-to-stop-a-market-drop-ruining-your-retirement/) - Retire early with confidence by avoiding common tax pitfalls and learning smart income strategies for lasting financial security.
- [$3M vs $2M in Retirement: Here’s What Changes](https://onedegreeadvisors.com/2025/12/3m-vs-2m-in-retirement-heres-what-changes/) - Compare $3M vs $2M in retirement to see which option better suits your goals. Understand the trade-offs between financial security and time freedom.
- [What Can You Really Spend from a $4M Portfolio?](https://onedegreeadvisors.com/2025/12/what-can-you-really-spend-from-a-4m-portfolio/) - Learn how to confidently spend from a $4M portfolio in retirement. Discover strategies to align your wealth with your lifestyle goals.
- [Once I Show Retirees This Tax Plan. They Stop Worrying](https://onedegreeadvisors.com/2025/12/once-i-show-retirees-this-tax-plan-they-stop-worrying/) - Retire early with confidence by avoiding common tax pitfalls and learning smart income strategies for lasting financial security.
- [The 5 Levels Of Wealth In Early Retirement - Which Level Are You?](https://onedegreeadvisors.com/2025/12/the-5-levels-of-wealth-in-early-retirement-which-level-are-you-2/) - Discover the five levels of early retirement and learn how to assess your readiness, avoid costly mistakes, and take smart steps to retire early.
- [Retire with $7 Million: What Life Really Looks Like](https://onedegreeadvisors.com/2025/11/retire-with-7-million-what-life-really-looks-like/) - Discover what it’s really like to retire with $7 million — from lifestyle choices to financial strategy and surprising challenges faced by real retirees.
- [The 5 Levels Of Wealth In Early Retirement - Which Level Are You?](https://onedegreeadvisors.com/2025/11/the-5-levels-of-wealth-in-early-retirement-which-level-are-you/) - Discover the five levels of early retirement and learn how to assess your readiness, avoid costly mistakes, and take smart steps to retire early.
- [Invest How Warren Buffett Would to Protect a $3M Nest Egg Right Now](https://onedegreeadvisors.com/2025/11/invest-how-warren-buffett-would-to-protect-a-3m-nest-egg-right-now/) - Learn how to invest how Warren Buffett would, using a patient, disciplined approach to protect your wealth and plan for long-term retirement success.
- [This $3 Test Predicts 95% Accuracy For Retirement Success](https://onedegreeadvisors.com/2025/11/this-3-test-predicts-95-accuracy-for-retirement-success/) - Learn how just spending $3 on a toy will help you save real money and retire early
- [If You Are in Your 60s, Read This: Retirement Lessons from 70-Year-Olds](https://onedegreeadvisors.com/2025/11/if-you-are-in-your-60s-read-this-retirement-lessons-from-70-year-olds/) - Learn key retirement lessons from 70-year-olds. Discover what they wish they'd done differently in their 60s to retire smarter and happier.
- [Social Security Increase in 2026: What Retirees Need to Know](https://onedegreeadvisors.com/2025/11/social-security-increase-in-2026-what-retirees-need-to-know/) - Understand the 2.8% Social Security increase in 2026, how it's calculated, and what it means for retirees’ income and tax planning.
- [Retire Before 65? This Tax Loophole Might Disappear in 2026](https://onedegreeadvisors.com/2025/11/retire-before-65-this-tax-loophole-might-disappear-in-2026/) - Learn how 2026 health subsidy changes could affect your plan to retire early, and what steps to take now to keep coverage affordable.
- [Once You Understand This New Research, You'll Stop Working Past 60](https://onedegreeadvisors.com/2025/10/once-you-understand-this-new-research-youll-stop-working-past-60/) - Discover what really holds people back from retiring early, even when they’re financially set—and why waiting could cost more than you think.
- [IRS Releases NEW 2026 Tax Brackets - What Retirees Need To Know](https://onedegreeadvisors.com/2025/10/irs-releases-new-2026-tax-brackets-what-retirees-need-to-know/) - The IRS just released the 2026 tax brackets and while headlines will focus on politics, what really matters is how these changes affect your retirement income
- [I Tore Up This Retirement Plan to Show a Smarter Way](https://onedegreeadvisors.com/2025/10/i-tore-up-this-retirement-plan-to-show-a-smarter-way/) - Avoid common retirement plan mistakes by building flexibility into your strategy. Learn how to create a retirement plan that adapts as your life changes.
- [What to Do With Your 401(k) When You Retire: The Essential Checklist](https://onedegreeadvisors.com/2025/10/what-to-do-with-your-401k-when-you-retire-the-essential-checklist/) - Wondering what to do with your 401(k) when you retire? Learn key options and strategies to manage your savings for income, growth, and tax efficiency.
- [Social Security: Stop Waiting Until 70? Here’s the Math You’ve Never Seen](https://onedegreeadvisors.com/2025/10/social-security-stop-waiting-until-70-heres-the-math-youve-never-seen/) - Explore how one couple used $4 million to consider early retirement. Learn what they did right and how you can evaluate your own readiness to retire early.
- [How Retirees With $1M End Up With $5M (it’s not what you think)](https://onedegreeadvisors.com/2025/10/how-retirees-with-1m-end-up-with-5m-its-not-what-you-think/) - Many retirees oversave, leaving more behind than they spent. Learn why this happens and how to avoid the trap of financial hesitation in retirement.
- [Third Quarter 2025 Investment Market Review](https://onedegreeadvisors.com/2025/10/third-quarter-2025-investment-market-review/) - Take a look at our third quarter 2025 Investment Market Review. Download our free PDF.
- [I'm 57 with $4M. How Much Can I Spend In Retirement ?](https://onedegreeadvisors.com/2025/10/can-i-retire-early-in-an-expensive-city/) - Explore how one couple used $4 million to consider early retirement. Learn what they did right and how you can evaluate your own readiness to retire early.
- [The PERFECT Retirement Income Plan (Step by Step Guide)](https://onedegreeadvisors.com/2025/10/the-perfect-retirement-income-plan-step-by-step-guide/) - Discover the perfect retirement income plan using tax-smart strategies, withdrawal timing, and investment buckets to spend with confidence.
- [Once I Show You This Framework, You’ll No Longer Worry About Retiring](https://onedegreeadvisors.com/2025/09/retirement-income-planning-framework/) - A simple retirement income planning framework to help align income with expenses, manage Social Security, and build a resilient financial strategy.
- [Retire with $10 Million But Risk Your Family Hating Each Other](https://onedegreeadvisors.com/2025/09/retire-with-10-million-but-risk-your-family-hating-each-other/) - Retire with $10 million and still risk family conflict? Discover how thoughtful planning protects not just wealth, but relationships.
- [They Spend $15K/mo — Here’s What Their Retirement Plan Looks Like](https://onedegreeadvisors.com/2025/09/they-spend-15k-mo-heres-what-their-retirement-plan-looks-like/) - Is $15,000 a month enough to retire? Discover how a structured income plan helps retirees spend confidently and enjoy financial freedom.
- [Brutally Honest Advice Retire before 60](https://onedegreeadvisors.com/2025/09/brutally-honest-advice-retire-before-60/) - Brutally honest lessons to retire early with confidence: covering health, spending, purpose, and avoiding the biggest retirement mistakes.
- [Will My $3M IRA Last If I Retire at 59.5?](https://onedegreeadvisors.com/2025/09/will-my-3m-ira-last-if-i-retire-at-59-5/) - Discover how to retire early with smart withdrawal strategies, tax planning tips, and a resilient portfolio designed to make your savings last.
- [Should I Convert My $2M IRA to a Roth?](https://onedegreeadvisors.com/2025/09/should-i-convert-my-2m-ira-to-a-roth/) - Wondering, “Should I convert my IRA to a Roth?” Learn how strategic timing and tax planning can protect your retirement income and reduce long-term taxes.
- [What Can You Really Spend from a $3M Portfolio?](https://onedegreeadvisors.com/2025/08/what-can-you-really-spend-from-a-3m-portfolio/) - Learn how retirement income planning can help you turn a $3 million portfolio into a confident, tax-efficient, and sustainable retirement lifestyle.
- [Do you have enough to retire early now? Signs you’re ready even if you don’t feel rich](https://onedegreeadvisors.com/2025/08/do-you-have-enough-to-retire-early-now-signs-youre-ready-even-if-you-dont-feel-rich/) - Discover 3 signs you’re ready to retire early. See if financial freedom is closer than you think and how to move forward with confidence.
- [The Most Controversial Retirement Portfolio](https://onedegreeadvisors.com/2025/08/the-most-controversial-retirement-portfolio/) - Build a resilient retirement portfolio with smart diversification. Learn how to reduce income risk and protect your savings in retirement.
- [Here’s Why Delaying Retirement One More Year Could Be Your Smartest (or Riskiest) Move](https://onedegreeadvisors.com/2025/08/heres-why-delaying-retirement-one-more-year-could-be-your-smartest-or-riskiest-move/) - Explore the true cost of delaying retirement and learn how to confidently decide if working one more year is worth it for your financial future.
- [You’ve Saved $2.5M for Retirement— But Could One Bad Year Ruin It?](https://onedegreeadvisors.com/2025/08/youve-saved-2-5m-for-retirement-but-could-one-bad-year-ruin-it/) - Can one bad market year derail your $2.5M retirement? Discover how to protect your plan and build long-term resilience.
- [Draw Down IRA or Take Social Security? Here’s What Works Best](https://onedegreeadvisors.com/2025/08/draw-down-ira-or-take-social-security-heres-what-works-best/) - Learn when to take Social Security to avoid draining your retirement savings too quickly. Discover smart timing strategies that reduce financial risk.
- [Here Is What A $4M Retirement Portfolio Looks Like](https://onedegreeadvisors.com/2025/08/here-is-what-a-4m-retirement-portfolio-looks-like/) - Discover how to structure a $4 million retirement plan with a smart asset allocation strategy tailored for income, growth, and tax efficiency.
- [I Have $2M. But Is That Enough To Retire If Social Security Is Cut?](https://onedegreeadvisors.com/2025/08/i-have-2m-but-is-that-enough-to-retire-if-social-security-is-cut/) - Worried about Social Security cuts? Learn how to adapt your retirement strategy and secure your future—even if benefits are reduced.
- [Reasons NOT To Convert to Roth (2025)](https://onedegreeadvisors.com/2025/08/reasons-not-to-convert-to-roth-2025/) - Discover when Roth conversions could hurt more than help—especially if you plan to retire early. Learn how to avoid costly tax traps in retirement.
- [The Retirement Framework that survived 2008, 2020, and whatever’s next…](https://onedegreeadvisors.com/2025/07/the-retirement-framework-that-survived-2008-2020-and-whatevers-next/) - Discover a simple retirement planning framework that connects spending, investments, and taxes for smarter financial decisions.
- [They Spend $12K/mo — Here’s What Their Early Retirement Plan Looks Like](https://onedegreeadvisors.com/2025/07/they-spend-12k-mo-heres-what-their-early-retirement-plan-looks-like/) - Can you really retire early with $12k/mo — In this video, we walk through a real-world retirement distribution plan that shows how strategic withdrawals, Roth conversions, and smart Social Security timing can stretch your dollars further and keep Uncle Sam at bay. If you're nearing retirement and want to spend confidently without draining your nest egg, you won’t want to miss this.
- [I’m 59 With $4M—Can I Retire Early In LA/SF/etc?](https://onedegreeadvisors.com/2025/07/im-59-with-4m-can-i-retire-early-in-la-sf-etc/) - Can you really retire early with $4 million—especially if you live in an expensive city like Los Angeles or San Francisco? In this video, we break down a real-life case study of a couple facing that exact question. You’ll see what they got right, what nearly went wrong, and how they built a flexible, tax-smart plan to retire early with confidence.
- [How to Create $120,000 of Retirement Income and Pay $0 Tax](https://onedegreeadvisors.com/2025/07/how-to-create-120000-of-retirement-income-and-pay-0-tax/) - Is $120K enough to retire? Learn how to structure retirement income and pay $0 in taxes using smart withdrawal strategies.
- [The 5 Best Christian Financial Advisors in San Diego](https://onedegreeadvisors.com/2025/07/best-christian-financial-advisors-in-san-diego/) - Finding the right financial advisor can be challenging, so we put together a list of the best Christian financial advisors in San Diego.
- [This New Retirement Withdrawal Strategy Is Changing Everything](https://onedegreeadvisors.com/2025/07/this-new-retirement-withdrawal-strategy-is-changing-everything/) - Retiring before 55? Learn how it affects Social Security and what you can do now to protect your long-term retirement income.
- [5 things you WANT TO OWN in Retirement (and how to get them)](https://onedegreeadvisors.com/2025/07/5-things-you-want-to-own-in-retirement/) - Discover the 5 most important things you want to own in retirement — none of which can be bought, but all of which lead to a fulfilling life after work.
- [How to Tithe in Retirement: The Ultimate Guide + Free Worksheet](https://onedegreeadvisors.com/2023/03/how-to-tithe-in-retirement-the-ultimate-guide-free-worksheet/) - The ultimate guide on how to tithe in retirement. Download our free worksheet to outline your personal tithe plan.
- [Second Quarter 2025 Investment Market Review](https://onedegreeadvisors.com/2025/07/second-quarter-2025-investment-market-review/) - Take a look at our second quarter 2025 Investment Market Review. Download our free PDF.
- [$5M vs $2.5M in Retirement: Here’s What Changes](https://onedegreeadvisors.com/2025/07/5m-vs-2-5m-in-retirement-heres-what-changes/) - More money, more complexity? Find out what really changes between retiring with $2.5M and $5M.
- [STOP Chasing 100% Retirement Success (Do This Instead)](https://onedegreeadvisors.com/2025/06/stop-chasing-100-retirement-success-do-this-instead/) - Chasing a 100% retirement success rate can limit your lifestyle. Learn why 80–85% may be enough for confident, flexible retirement planning.
- [What Happens to Social Security When You Retire at 55](https://onedegreeadvisors.com/2025/06/what-happens-to-social-security-when-you-retire-at-55/) - Retiring before 55? Learn how it affects Social Security and what you can do now to protect your long-term retirement income.
- [Bitcoin On The Verge of Changing Retirement Forever (Do This Now)](https://onedegreeadvisors.com/2025/06/cryptocurrency-in-retirement/) - Even if you’ve never bought crypto, your portfolio might be exposed. Here’s how cryptocurrency in retirement could affect your future.
- [This Pension Cheat Code Changes Everything in Retirement](https://onedegreeadvisors.com/2025/04/pension-planning-strategies-2/) - Unlock your pension’s full potential. Smart pension planning strategies can add thousands to your retirement income—and help avoid costly mistakes.
- [Retiring with $5M? It Still Won’t Fix This](https://onedegreeadvisors.com/2025/06/retiring-with-5m-it-still-wont-fix-this/) - Reaching $5M for retirement doesn't solve everything. Discover what really matters for peace of mind, purpose, and long-term confidence.
- [The PERFECT Retirement Tax Plan (Step by Step Guide)](https://onedegreeadvisors.com/2025/06/the-perfect-retirement-tax-plan-step-by-step-guide/) - Most people assume retirement planning is all about numbers: your portfolio balance, the right asset allocation, or the timing of Social Security. But the truth is, —they struggle because of avoidable retirement mistakes.
- [5 Retirement Tweaks That Fix 95% Of Your Problems](https://onedegreeadvisors.com/2025/06/retirement-mistakes/) - Most retirement mistakes are fixable. These 5 small but powerful tweaks can solve 95% of the challenges retirees face with income, taxes, and peace of mind.
- [5 Retirement Moves to Make NOW Before It’s Too Late (June 2025)](https://onedegreeadvisors.com/2025/06/retire-in-june/) - Are you still using old and outdated methods of calculating your retirement income? In this video I explain some new research that gives you a more dynamic way of taking income that will most likely improve your lifestyle.
- [The #1 Rule Retirement Millionaires Won’t Tell You About](https://onedegreeadvisors.com/2025/06/retirement-wealth-planning/) - Retirement millionaires follow one key rule most people overlook. Learn how retirement wealth planning turns savings into lasting freedom and peace of mind.
- [This Magic Number Predicts 95% Accuracy For Retirement Success](https://onedegreeadvisors.com/2025/05/this-magic-number-predicts-95-accuracy-for-retirement-success/) - Are you still using old and outdated methods of calculating your retirement income? In this video I explain some new research that gives you a more dynamic way of taking income that will most likely improve your lifestyle.
- [I’m 64 with ALL PRE-TAX (401K / IRA) - How Do I Minimize Taxes?](https://onedegreeadvisors.com/2025/05/pre-tax-retirement/) - You don't actually own your retirement account if it's pre-tax like a 401(k) or IRA. The IRS is your silent partner, and they're just waiting for you to cash out so they can take their cut
- [Totally Outdated Retirement Facts Everyone Still Believes](https://onedegreeadvisors.com/2025/05/totally-outdated-retirement-facts-everyone-still-believes/) - Are you still using old and outdated retirement withdrawal strategies? In this video I explain what some common pitfalls in retirement are and a better way to plan your retirement for success.
- [Converting $2 Million to Roth IRA in 1 Year, Mistake or Genius?](https://onedegreeadvisors.com/2025/05/large-roth-conversion/) - Is it really the best idea to spread out your Roth conversions? In this video I explain the upsides and downsides to converting all of your IRA to Roth in your first year of retirement.
- [I Ranked the Top Retirement Strategies for a Recession (These are the Few That Actually Work)](https://onedegreeadvisors.com/2025/05/retiring-during-a-recession/) - The 5 years before retirement are crucial—especially in a recession. Discover how to turn market uncertainty into a confident retirement strategy.
- [Why the 5 years before an early retirement are so important](https://onedegreeadvisors.com/2025/05/why-the-5-years-before-an-early-retirement-are-so-important/) - In this video I talk about why the last five years of working are the most important to living the best retirement.
- [This Chart Explains Why Retirees Lose Money (and How to Stop It)](https://onedegreeadvisors.com/2025/04/why-retirees-run-out-of-money/) - Most retirees don’t run out of money due to markets — it’s their behavior during downturns. Learn how to build a plan that avoids costly mistakes.
- [STOP Timing the Stock Market - 5 Better Solutions for Retirees](https://onedegreeadvisors.com/2022/12/stop-timing-the-stock-market-5-better-solutions-for-retirees/) - In this video, we discuss why retirees should stop timing the stock market. We then go through 5 better solutions to consider.
- [How Should I Prepare for an Uncertain Election?](https://onedegreeadvisors.com/2020/09/how-should-i-prepare-for-an-uncertain-election/) - With the uncertainty of what will happen this November, it is important to remember sound principles and look to history for context.
- [US National Debt, Mega Savings Strategies & More: Cut Through The Noise](https://onedegreeadvisors.com/2021/04/us-national-debt-mega-savings-strategies-more/) - This week Anthony Saffer and Alex Okugawa discuss the US National Debt Mega Savings Strategies & More on Cut Through the Noise.
- [Dogecoin, Housing Bubbles, & More: Cut Through The Noise](https://onedegreeadvisors.com/2021/05/dogecoin-housing-bubbles-more-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss what is Dogecoin, Housing Bubble rumors & More on Cut Through the Noise.
- [Is Saving 15% of Your Income TRULY Enough (Baby Step #4)](https://onedegreeadvisors.com/2022/09/is-saving-15-of-your-income-truly-enough-baby-step-4/) - Is Dave Ramsey's baby step #4 "Saving 15% of your household income" truly enough for your future? Today we discuss how you should think about your savings.
- [Do You Know The 11 Types of Income The IRS Doesn't Tax?](https://onedegreeadvisors.com/2025/03/tax-free-income-in-retirement/) - Discover 11 sources of tax-free income in retirement to keep more of your hard-earned money and reduce your tax burden.
- [How much can Retirees give their kids before paying IRS Gift Tax?](https://onedegreeadvisors.com/2025/04/retirement-gift-tax/) - Learn how to navigate the Retirement Gift Tax and make tax-efficient gifts to family while preserving your long-term financial security.
- [5 Biggest Mistakes that keep Millionaires from Retiring on their terms](https://onedegreeadvisors.com/2025/03/millionaire-mistakes/) - Even millionaires make money mistakes—learn the 5 most common missteps high earners make and how to avoid them for lasting wealth.
- [No Tax on Social Security? What Trump's Plan Means for Retirees](https://onedegreeadvisors.com/2025/03/social-security-changes/) - Did you know that up to 85% of your Social Security benefits could be taxed? Many retirees are paying taxes on money they already paid taxes on during their working years. Find out how this happened, what changes might be coming, and how to protect your retirement income.
- [Retired Millionaires Fail This One Critical Move. Are You?](https://onedegreeadvisors.com/2025/02/millionaires-failing/) - Many millionaires struggle to enjoy their wealth in retirement. Learn how to shift from saving to spending wisely for a fulfilling and financially secure future
- [I'm a Retirement Planner. Here Are 3 Regrets That Haunt Early Retirees](https://onedegreeadvisors.com/2025/03/3-retirement-regrets/) - In this video I talk about three different pitfalls and concerns to be aware of when retiring.
- [The PERFECT age to retire (50 vs 65 vs 70+)](https://onedegreeadvisors.com/2025/02/ideal-reitrement-age/) - Learn how to manage wealth in retirement, avoid tax pitfalls, and ensure your money lasts while protecting your legacy for future generations.
- [Retiring With $10M? Here’s the Harsh Reality No One Talks About](https://onedegreeadvisors.com/2025/02/managing-wealth-in-retirement/) - Learn how to manage wealth in retirement, avoid tax pitfalls, and ensure your money lasts while protecting your legacy for future generations.
- [How a $2M Portfolio Can Last 40+ Years in Retirement (Spend More Too)](https://onedegreeadvisors.com/2025/02/how-a-2m-portfolio-can-last-40-years-in-retirement-spend-more-too/) - In this video I talk about different pitfalls and concerns to be aware of when retiring with a $2 million nest egg.
- [Retirement Used to Be a Lot Easier. What Changed?](https://onedegreeadvisors.com/2025/02/easy-retirement-planning/) - Retirement planning isn’t what it used to be. Learn how shifting financial landscapes and rising expenses are transforming how you prepare for the future.
- [5 Mind-Blowing Charts That Will Change How You Look at Retirement](https://onedegreeadvisors.com/2025/02/retirement-success/) - Discover five key insights for achieving retirement success, focusing on health, social connections, flexibility, and purpose beyond financial planning.
- [9 Reasons NOT to Convert to a Roth in Retirement](https://onedegreeadvisors.com/2025/01/roth-conversion-mistakes/) - This guide explores nine scenarios where skipping a Roth conversion might save you time, money, and frustration.
- [This Video Should Be Required Viewing to Retire Before 55](https://onedegreeadvisors.com/2025/02/required-viewing-to-retire-before-55/) - In this video I give you seven things to consider before you retire early.
- [Retire early with $5M vs $1M vs $500k. How’s life different?](https://onedegreeadvisors.com/2025/01/retire-early-with-5m-vs-1m-vs-500k/) - I show how early retirement will look different based on how much you have saved.
- [Can we retire on $2.5m and leave an inheritance? CASE STUDY](https://onedegreeadvisors.com/2025/01/retirement-and-inheritance/) - Learn how to balance retirement spending and inheritance with smart financial planning.
- [The 5 Levels Of Wealth In Early Retirement - How Do You Compare?](https://onedegreeadvisors.com/2025/01/the-5-levels-of-wealth-in-early-retirement-how-do-you-compare/) - In the video, Matt explains how to estimate how close you are to retiring early.
- [Fourth Quarter 2024 Investment Market Review](https://onedegreeadvisors.com/2025/01/fourth-quarter-2024-investment-market-review/) - Take a look at our fourth quarter 2024 Investment Market Review. Download our free PDF.
- [Warren Buffett’s Bizarre Warning - What Retirees NEED to Know](https://onedegreeadvisors.com/2024/12/bear-market-strategies-for-retirees/) - Safeguard your retirement savings with bear market strategies for retirees. Learn to diversify, rebalance, and align your portfolio with your expenses.
- [If I Wanted To Retire Early In 2025, Here is what I’d do](https://onedegreeadvisors.com/2025/01/if-i-wanted-to-retire-early-in-2025-here-is-what-id-do/) - In the video, Matt explains how to prepare for an early retirement in 2025
- [How Long Until Your Roth Conversion Pays off in Retirement?](https://onedegreeadvisors.com/2024/12/best-time-to-do-a-roth-conversion/) - In the video, I explain when the best time to do a Roth conversion
- [I’m 60 with $2.4M, This Tells You to Retire NOW](https://onedegreeadvisors.com/2024/12/retire-at-60/) - Wondering if you can retire at 60 with $2.4 million? This video reveals the key to building a secure and purposeful retirement that goes beyond just the numbers.
- [First year of RETIREMENT is not what you expect](https://onedegreeadvisors.com/2024/12/myths-in-the-first-year-of-retirement/) - Downsizing, budgeting, and spending myths in the first year of retirement often catch retirees off guard. Here’s how to navigate them successfully.
- [The Only Withdrawal Strategy That Applies To Early Retirement](https://onedegreeadvisors.com/2024/12/the-only-withdrawal-strategy-that-applies-to-early-retirement/) - In this video I go through the only withdrawal strategy that applies to early retirement
- [I'm 56 With $5M – Retire From Tech NOW or Keep Working?](https://onedegreeadvisors.com/2024/12/im-56-with-5m-retire-from-tech-now-or-keep-working/) - In this video I go through a case study of a client who was considering retiring early.
- [Retire with $6M: Here’s what life actually looks like](https://onedegreeadvisors.com/2024/12/why-looking-poor-is-important-in-retirement/) - Discover the realities of retiring with $6 million, from managing taxes and expenses to planning for a fulfilling and financially secure future.
- [Why Looking Poor Is Important In Retirement](https://onedegreeadvisors.com/2024/11/looking-poor-in-retirement/) - The happiest retirees focus less on appearances and more on what truly matters. Learn how looking poor in retirement can transform your future.
- [Trump Won. What It Means For Your Early Retirement](https://onedegreeadvisors.com/2024/11/trump-won-what-it-means-for-your-early-retirement/) - In this video I go through some of the changes we might see with Trump winning the election,
- [Easy Mistakes That Will Make You POOR If You Retire Early](https://onedegreeadvisors.com/2024/11/easy-mistakes-that-will-make-you-poor-if-you-retire-early/) - In this video Matt walks through easy mistakes that can make you POOR if you retire early
- [Vanguard’s Secret to Spending More in Retirement (GAME CHANGER)](https://onedegreeadvisors.com/2024/11/retirement-income-strategy-2/) - Choosing the right retirement income strategy is key to ensuring your savings last while enjoying the retirement you've worked so hard to achieve.
- [The New Way To “Retire” in Your 50s (3 Proven Methods)](https://onedegreeadvisors.com/2024/11/the-new-way-to-retire-in-your-50s-3-proven-methods/) - In this video Matt walks through 3 modern ways to retire in your 50s
- [How to Pay $0 Tax on $100k Retirement Income](https://onedegreeadvisors.com/2024/11/how-to-avoid-taxes-in-retirement/) - Discover how to avoid taxes in retirement with proven strategies that maximize tax-free income, leverage deductions, and minimize your tax burden.
- [New Research Shows When You Can Spend MORE in Retirement](https://onedegreeadvisors.com/2024/11/modern-retirement-research/) - In this video Matt walks through modern retirement research on when you can spend more!
- [Here’s why the 5 years before Retirement are so important](https://onedegreeadvisors.com/2024/11/5-years-before-retirement/) - Boosting your retirement savings significantly during these final years is one of the most powerful retirement planning tips.
- [If You Answer ‘YES’ to These Questions, Retire ASAP](https://onedegreeadvisors.com/2024/10/say-yes-to-these-questions-retire-early/) - In this video Matt walks through 5 questions to ask yourself to understand if you are ready to retire early!
- [Social Security Falls Short in 2025 (how to fix it)](https://onedegreeadvisors.com/2024/11/social-security-falls-short-in-2025-how-to-fix-it/) - Inflation is rising, and Social Security benefits aren't keeping up. Discover how to maximize retirement income with three effective strategies.
- [Retirement Spending Lies You Believe (That Could Ruin Your Retirement)](https://onedegreeadvisors.com/2024/10/retirement-spending-myths/) - Many people assume they understand what to expect, yet several retirement spending myths can seriously derail even the best-laid plans.
- [Why retiring early could be the most productive time of your life.](https://onedegreeadvisors.com/2024/10/retire-early-productive/) - In this video Matt walks through why for many people retiring early could be the most productive time of your life
- [The Spending Paradox: Why Most Retirees Secretly Struggle](https://onedegreeadvisors.com/2024/10/the-retirement-spending-paradox/) - Struggling with how to spend your savings in retirement? Discover the common retirement spending mistakes and how to avoid them for a more fulfilling life.
- [Retiring at 65 is a HUGE Mistake, And Here’s Why](https://onedegreeadvisors.com/2024/10/retire-at-65-mistake/) - In this video Matt walks through why waiting until 65 can be a mistake for some people.
- [Third Quarter 2024 Investment Market Review](https://onedegreeadvisors.com/2024/10/third-quarter-2024-investment-market-review-2/) - Take a look at our third quarter 2024 Investment Market Review. Download our free PDF.
- [Here Is What A $3M Retirement Portfolio Looks Like](https://onedegreeadvisors.com/2024/10/retirement-income/) - A well-structured asset allocation plan doesn’t just protect against risk; it also ensures that your retirement income remains steady, allowing you to enjoy life without the fear of running out of money.
- [Watch This Before Roth Converting in Retirement… trust me.](https://onedegreeadvisors.com/2024/09/watch-this-before-roth-converting-in-retirement-trust-me/) - In this video Matt walks through a comprehensive Case Study of how retirement Roth Conversions are evaluated.
- [25 Years Of Brutally Honest Retirement Advice in 10 Minutes](https://onedegreeadvisors.com/2024/10/retirement-advice/) - In my 25 years of providing retirement advice, I’ve seen that those who plan for both finances and health enjoy the most rewarding retirements.
- [5 RETIREMENT Blind Spots No One Tells You](https://onedegreeadvisors.com/2024/09/retirement-blind-spots/) - One of the most significant retirement blind spots is underestimating healthcare costs. Many retirees fail to plan adequately for the medical expenses they may face.
- [How Much Can I Spend in Retirement with a $2.3M Portfolio](https://onedegreeadvisors.com/2024/09/retirement-spending/) - Planning your retirement spending is key to enjoying a financially secure and fulfilling life after you stop working.
- [Signs You have Enough To Retire Early (Even if it doesn’t feel like it)](https://onedegreeadvisors.com/2024/09/signs-you-have-enough-to-retire-early-even-if-it-doesnt-feel-like-it/) - In this video Matt walks through some of the green flags that you might have enough to retire early.
- [How Much Does It Take to Retire EARLY on a $12k/mo Budget?](https://onedegreeadvisors.com/2024/09/how-much-does-it-take-to-retire-early-on-a-12k-mo-budget/) - In this video Matt shares our process for determining if someone can spend $12k/mo in retirement.
- [Things to STOP DOING After 55 To Enjoy Life More](https://onedegreeadvisors.com/2024/09/stop-doing-these-things-in-retirement/) - In this video Matt shares the things his clients have STOPPED DOING to enjoy life more
- [Stop Doing These 5 Things After 60 for a Better Retirement](https://onedegreeadvisors.com/2024/09/5-retirement-tips/) - The following retirement tips will help you avoid common mistakes and ensure that your retirement years are enjoyable and fulfilling.
- [Save Big on RMD Taxes with These 8 Proven Methods](https://onedegreeadvisors.com/2024/09/save-big-on-rmd-taxes-with-these-8-proven-methods/) - RMD taxes can take a significant portion of your retirement savings, but with the right strategies, you can minimize what you owe and keep more money for yourself.
- [This is What A $3 Million Early Retirement Withdrawal Strategy Looks Like (Real Life Example)](https://onedegreeadvisors.com/2024/08/this-is-what-a-3-million-early-retirement-withdrawal-strategy-looks-like-real-life-example/) - In this video Matt walks through an early retirement withdrawal strategy
- [Eliminate Bad Financial Advisors with These 7 Questions](https://onedegreeadvisors.com/2024/08/avoid-bad-financial-advisors/) - Don’t let bad financial advisors ruin your financial future—know what to look for and the questions to ask.
- [DO THIS Before Downsizing Your Home in Retirement!](https://onedegreeadvisors.com/2024/08/downsizing-in-retirement/) - Downsizing in retirement can offer both financial and lifestyle benefits, but it’s a decision that should be made with careful consideration. By evaluating your financial situation, lifestyle needs, and emotional readiness, you can make a choice that enhances your retirement experience.
- [Brutally Honest Advice If You Want to Retire Before 60](https://onedegreeadvisors.com/2024/08/before-you-retire-early/) - In this video Matt walks through some honest advice to think about before you retire early
- [This New Method Made Sure Their Early Retirement Was Bulletproof](https://onedegreeadvisors.com/2024/08/bullet-proof-early-retirement/) - In this video Matt walks through a case study to show you three ways to help make your early retirement bullet proof.
- [Here’s How The Ultra-Wealthy Invest Their Money](https://onedegreeadvisors.com/2024/08/how-the-ultra-wealthy-invest-their-money/) - The ultra-wealthy invest heavily in alternative assets like private equity and real estate, focusing on diversification and long-term growth. Discover how you can apply these strategies to enhance your own portfolio and secure a successful retirement.
- [Can I Retire Early? 5 Numbers to Help You Decide](https://onedegreeadvisors.com/2024/08/5-numbers-early-retirement/) - In this video Matt walks through the 5 most important numbers to help you decide if you can retire early.
- [Stop Calculating Retirement Expenses Wrong (Do This Instead)](https://onedegreeadvisors.com/2024/08/stop-calculating-retirement-expenses-wrong/) - Accurately estimating your retirement expenses is crucial for a stress-free retirement. Overlooking factors like inflation and taxes can quickly deplete your savings, making careful planning essential for maintaining your desired lifestyle.
- [Do You Have Enough in your Retirement Savings? The Ultimate Test](https://onedegreeadvisors.com/2024/08/retirement-savings-ultimate-test/) - If you're stressed about your retirement savings, you’ve likely been misled. Let's explore the exact method I use to help my clients secure the retirement of their dreams while avoiding common pitfalls.
- [How Much $ You Need To Retire Early Off Dividends (FOREVER)](https://onedegreeadvisors.com/2024/08/retire-early-off-dividends/) - In this video I walk through how much you need to retire early off dividends!
- [Can I Retire Early in an EXPENSIVE City?](https://onedegreeadvisors.com/2024/07/retire-at-51/) - In this video I go through the options and levers available to you before you decide to retire at 51!
- [Retirees they're lying to you](https://onedegreeadvisors.com/2024/07/retirement-myths/) - Retirement is often painted as a golden period filled with relaxation and fulfillment. However, this idealized image can be misleading. There are several myths and misconceptions about retirement that can significantly impact your financial well-being. In this post, we'll debunk some of these common myths and provide you with the truth about retirement planning.
- [I ranked the best tax strategies for early retirement.](https://onedegreeadvisors.com/2024/07/early-retirement-tax-strategies/) - In this video I rank some of the best early retirement tax strategies that give you the best bang for your buck!
- [55 and Ready to Retire? You’ll Wish You Knew About This!](https://onedegreeadvisors.com/2024/07/retire-at-55/) - In this video I go through the options and levers available to you before you decide to retire at 55!
- [Timing the market Does NOT Work (But This Does)](https://onedegreeadvisors.com/2024/07/tcja/) - Tax rates are scheduled to go up starting in 2025 due to the (TCJA), which means less money in your pocket and more going to Uncle Sam. I'm going to show you how much they may go up, income levels, and a few things you can do now to keep Uncle Sam away from your retirement payments.
- [Age 62 with $1.6M, 3 years to Retirement: CASE STUDY](https://onedegreeadvisors.com/2024/07/age-62-with-1-6m-3-years-to-retirement/) - Effective retirement planning is essential to ensure a secure and fulfilling retirement, avoiding common pitfalls and maximizing your hard-earned savings.
- [Easy Steps to Create Your Bond Portfolio for Early Retirement Success](https://onedegreeadvisors.com/2024/07/bond-portfolio-early-retirement/) - In this video, Matt goes through how to create a bond portfolio for early retirement success.
- [Retire at 62 With $1.5 Million (ALL PRE-TAX IRA)?](https://onedegreeadvisors.com/2024/06/retire-at-62-with-1-5-million-all-pre-tax-ira/) - In this video, Matt goes through how through a fun case study for someone wanting to retire early with a 100% of their retirement money in a traditional IRA.
- [Second Quarter 2024 Investment Market Review](https://onedegreeadvisors.com/2024/07/second-quarter-2024-investment-market-review/) - Take a look at our second quarter 2024 Investment Market Review. Download our free PDF.
- [62 with Pre-Tax Savings? Here's How to Minimize Taxes in Retirement](https://onedegreeadvisors.com/2024/07/minimize-taxes-in-retirement/) - Alex explains how to minimize taxes on a retirement portfolio that is entirely pre-tax. Learn how to make your portfolio as tax efficient as possible.
- [A Complete Guide to Investing Your Portfolio for Early Retirement Success](https://onedegreeadvisors.com/2024/06/early-retirement-investment-strategy/) - In this video, Matt goes through how to invest for early retirement success.
- [Retirement Planning Strategy Essentials: How to Secure Your Financial Future](https://onedegreeadvisors.com/2024/06/retirement-strategy-essentials/) - Anthony explains three major retirement planning strategy essentials to follow to ensure you have enough to secure your future.
- [I’m single with $1m. How much can I spend in retirement?](https://onedegreeadvisors.com/2024/06/retirement-planning-for-single-individuals/) - Discover how single individuals overcome common challenges and build robust retirement plans that ensure financial security and peace of mind.
- [Social Security Benefits TRAP. Waiting until 70? Huge Retirement Mistake](https://onedegreeadvisors.com/2024/06/social-security-benefits/) - Experience and understand the financial implications of starting benefits at full retirement age versus waiting until age 70.
- [Retirement Tips: The BEST Advice (from real retirees)](https://onedegreeadvisors.com/2024/06/retirement-tips-the-best-advice/) - Retirement marks a significant life transition, and planning for it involves more than just financial preparation. Real retirees have shared their invaluable insights that go beyond the numbers, offering valuable advice for a fulfilling retirement. In this post, we'll delve into seven essential retirement tips derived from the experiences of retirees, providing expert guidance for those approaching this milestone.
- [How will the US running out of Social Security affect my retirement?](https://onedegreeadvisors.com/2024/06/social-security-early-retirement/) - In this video, Matt goes through how the Social Security Trust Fund being depleted in 2033 might affect your retirement.
- [Trend Following Strategy for Retirement Investing](https://onedegreeadvisors.com/2024/05/trend-following-strategy-retirement-investing/) - Learn how a trend following strategy for retirement investing can enhance your portfolio. Discover the key rules and historical benefits to maximize gains and minimize risks
- [We Have $3 Million, Can We Retire Before 50?](https://onedegreeadvisors.com/2024/05/we-have-3-million-can-we-retire-before-50/) - In this video, Matt goes what a couple can expect to spend if they retire before fifty and have saved well.
- [Retirement Investing: Should I Sell Stocks?](https://onedegreeadvisors.com/2024/05/retirement-investing/) - Retirement investing requires a different approach compared to when you're building wealth. Learn why selling stocks right before retirement might not be the best move and discover strategies to balance risk and growth for a secure financial future
- [Investing for Retirement Income: Case Study](https://onedegreeadvisors.com/2024/05/investing-for-retirement-income/) - Investing for retirement can be challenging, especially when transitioning from a growth-focused portfolio to one that provides stable income. This post outlines a strategic approach used with a $3 million client to ensure they have the retirement of their dreams. By balancing income needs with market exposure and tax efficiency, you can achieve a secure and fulfilling retirement. Discover how to safeguard your retirement income through strategic investments in cash, short-term bonds, and diversified portfolios
- [Retirement Tax Planning](https://onedegreeadvisors.com/2024/05/maximizing-retirement-income-a-guide-to-retirement-tax-planning/) - When planning for retirement, tax planning considerations are critical in saving thousands in lifetime taxes. Anthony explains how tax strategies like Roth conversions and tax efficient withdrawals can make a big difference with tax savings.
- [I'm 60 with $1 Million In My 401(k). Can I Retire?](https://onedegreeadvisors.com/2024/05/im-60-with-1-million-in-my-401k-can-i-retire/) - In this video, Matt goes what an early retirement might look like for someone in their 60s with $1 million in a 401(k).
- [How Much Does It Take to Retire EARLY on a $5k, $10k, or $15k/mo Budget?](https://onedegreeadvisors.com/2024/04/how-much-does-it-take-to-retire-early-on-a-5k-10k-or-15k-mo-budget/) - In this video Matt goes through a system for creating income in retirement that goes beyond the traditional methods like the 4% rule.
- [Financial Goals By Age 50](https://onedegreeadvisors.com/2024/05/financial-goals-by-age-50/) - Discover the essential financial goals to prioritize by age 50 in this comprehensive guide. Learn how to secure your financial future and achieve stability with these seven critical strategies
- [95% of people make these tax MISTAKES when they retire early](https://onedegreeadvisors.com/2024/05/95-of-people-make-these-tax-mistakes-when-they-retire-early/) - In this video, Matt goes through three common tax planning mistakes people make and how to avoid them.
- [Retirement Financial Plan Case Study for $2.1 Million Portfolio.](https://onedegreeadvisors.com/2024/04/retirement-financial-plan-case-study/) - In this comprehensive guide, we delve into the decision between a lump sum vs. monthly pension for your retirement. Explore the factors to consider, such as cost-of-living adjustments, longevity, and income mix, to ensure you make the right choice. Read on to gain insights and real-world examples to navigate the lump sum vs. monthly pension dilemma effectively.
- [Social Security Benefits While Working](https://onedegreeadvisors.com/2024/04/social-security-benefits-while-working-2/) - Are you looking to maximize your Social Security benefits while still working? Learn about strategies to optimize your retirement income by navigating Full Retirement Age, early vs. delayed benefits, earnings limits, and more
- [Lump Sum vs. Monthly Pension](https://onedegreeadvisors.com/2024/04/lump-sum-vs-monthly-pension-retirement-choice/) - In this comprehensive guide, we delve into the decision between a lump sum vs. monthly pension for your retirement. Explore the factors to consider, such as cost-of-living adjustments, longevity, and income mix, to ensure you make the right choice. Read on to gain insights and real-world examples to navigate the lump sum vs. monthly pension dilemma effectively.
- [Running Out of Money in Retirement: 5 Mistakes to Avoid](https://onedegreeadvisors.com/2024/04/5-mistakes-retirees-make-running-out-money-retirement/) - Explore the top five mistakes retirees frequently make that may risk depleting their funds in retirement. Learn how to steer clear of running out of money in retirement by recognizing these common pitfalls and applying effective solutions to protect your financial well-being.
- [How Much Do I Need To Spend $10k/month in Retirement?](https://onedegreeadvisors.com/2024/04/how-much-do-i-need-to-spend-10k-month-in-retirement/) - In this video I reveal a strategy we use for clients to help them understand how they can sustainably afford a $10,000 per month retirement, by using a more accurate picture than a static withdrawal rate like the 4% rule.
- [Early Retirement Portfolio Asset Allocation (Case Study)](https://onedegreeadvisors.com/2024/03/early-retirement-portfolio-asset-allocation-case-study/) - In this video, Matt goes through how to optimize your early retirement portfolio for long-term sustainability and how to maximize income while minimizing tax liabilities.
- [This Early Retirement Withdrawal Strategy Is Changing the Game](https://onedegreeadvisors.com/2024/04/this-early-retirement-withdrawal-strategy-is-changing-the-game/) - In this video Matt goes through how to optimize your retirement planning with a revolutionary early retirement withdrawal strategy.
- [First Quarter 2024 Investment Market Review](https://onedegreeadvisors.com/2024/04/first-quarter-2024-investment-market-review/) - Take a look at our first quarter 2024 Investment Market Review. Download our free PDF.
- [Healthcare Costs in Retirement](https://onedegreeadvisors.com/2024/03/managing-healthcare-costs-in-retirement-5-essential-strategies/) - Discover the essential strategies for managing healthcare costs in retirement effectively. From navigating Medicare options to maximizing savings, learn how to plan ahead and mitigate financial burdens in your golden years
- [Social Security Claiming Strategy Optimization For An Early Retirement](https://onedegreeadvisors.com/2024/03/how-to-optimize-your-social-security-claiming-strategy/) - In this video, Matt teaches you how you can go about optimizing your Social Security Claiming Strategy for an early retirement.
- [How to Minimize Capital Gains Taxes](https://onedegreeadvisors.com/2024/03/minimize-capital-gains-taxes/) - Discover effective strategies for minimizing capital gains taxes and maximizing your wealth. From understanding tax rates to implementing tax gain harvesting and optimizing deductions, this guide offers actionable insights to help you navigate the complexities of investment taxation. Whether you're considering charitable giving or exploring tax-efficient investments, proactive planning can significantly impact your after-tax returns. Unlock the secrets to financial success and ensure you're making the most of your investment opportunities while minimizing unnecessary tax expenses.
- [S&P 500 Retirement Income](https://onedegreeadvisors.com/2024/03/sp-500-retirement-income/) - Alex dives into the potential pitfalls of relying solely on the S&P 500 for income in retirement. Learn how diversification across various asset classes can enhance your financial security and provide stable income streams throughout retirement.
- [I’m 60 With $1.6 Million How Much Can I Spend If I Retire?](https://onedegreeadvisors.com/2024/03/im-60-with-1-6-million-how-much-can-i-spend-if-i-retire/) - In this video, Matt goes through another case study of what a single individual can expect to spend if they retire at 60 and follow a dynamic distribution strategy.
- [Retirement Income Strategy: Framework for Success](https://onedegreeadvisors.com/2024/03/retirement-income-strategy/) - Alex dives into retirement income strategy that go beyond the traditional 4% rule. Discover how optimizing your income sources can lead to substantial tax savings.
- [Early Retirement Income Strategies](https://onedegreeadvisors.com/2024/02/early-retirement-income-strategies/) - In this video, Matt goes through an early retirement case study with a couple that that plans to retire in their late fifties.
- [Early Retirement Roth Conversions (CASE STUDY)](https://onedegreeadvisors.com/2024/02/early-retirement-roth-conversions/) - In this video, Matt goes through a case study around the pros and cons of Roth conversions for early retirement.
- [Should I Pay Off My Mortgage or Invest?](https://onedegreeadvisors.com/2024/02/should-i-pay-off-my-mortgage-or-invest/) - We get the question all the time: Should I pay off my mortgage or keep the money invested? We had a client pay off a 2.8% fixed rate mortgage… and they loved it!
- [This Will Change The Way You Plan Your Early Retirement Income](https://onedegreeadvisors.com/2024/02/this-will-change-the-way-you-plan-your-early-retirement-income/) - In this video, Matt walks through strategies for both enhancing early retirement income as well as enhancing your "return on life."
- [Financial Plan Income Case Study](https://onedegreeadvisors.com/2024/02/financial-plan-income-case-study/) - When they came to see us they had $2.3 million and wanted to know what was financially possible for them to really thrive in retirement and fulfill some of the things they had been putting off while they were in their working years.
- [Retirement Income Strategies](https://onedegreeadvisors.com/2024/02/effective-retirement-income-strategies-guide/) - The average retirement income. We will show you the numbers so you can see how you stack up.
- [Here’s What Happens To Your Social Security If You Retire Early](https://onedegreeadvisors.com/2024/01/heres-what-happens-to-your-social-security-if-you-retire-early/) - If you are thinking of retiring early, today I am going to show you how your Social Security will be impacted as well as what we can reasonably do to plan for it. https://youtu.be/XNXNOYwOYzE Get your SSA benefit estimate The Retirement Recap Join the 1,000+ other retirees and get weekly articles and videos to help
- [Want a Happy Retirement? Spend Your Money On This! (Harvard Study)](https://onedegreeadvisors.com/2024/01/want-a-happy-retirement-spend-your-money-on-others-harvard-study/) - In this video, Matt goes through a research backed approach to retirement spending that is designed to give you the happiest retirement imaginable!
- [Optimizing Portfolio: S&P 500 and International Stocks](https://onedegreeadvisors.com/2024/01/optimizing-portfolio-sp-500-and-international-stocks/) - We are frequently asked is “Is the S&P all I need to retire?” Let's address this question by going through 53 years worth of data, plus why the stakes are higher in retirement and what you can do about it.
- [How Much Do I Need to Retire Early 2024 (less than you think)](https://onedegreeadvisors.com/2024/01/how-much-do-i-need-to-retire-early/) - How much do you need to retire early? In this video, Matt goes through essential tips for how much you need as you plan your early retirement.
- [Pay No Taxes In Early Retirement (taxable account benefits)](https://onedegreeadvisors.com/2024/01/pay-no-taxes-in-early-retirement-taxable-account-benefits/) - In this video, Matt highlights key taxable account benefits and explains why he believes it's the ultimate choice for your early retirement savings.
- [How the 2024 Election Will Impact Your Investments](https://onedegreeadvisors.com/2024/01/how-the-2024-election-will-impact-your-investments/) - How will the 2024 election impact your investments? What does that data say? Is this time different? In this video, Anthony and Alex discuss the potential impacts of the upcoming election and solutions to consider.
- [Fourth Quarter 2023 Investment Market Review](https://onedegreeadvisors.com/2024/01/fourth-quarter-2023-investment-market-review/) - Take a look at our fourth quarter 2023 Investment Market Review. Download our free PDF.
- [Save Your Retirement Plan With This Proven 3-Step System (2024)](https://onedegreeadvisors.com/2023/12/save-your-retirement-plan-with-this-proven-3-step-system-2024/) - Have you been delaying your retirement planning? In this weeks video, Anthony Saffer goes through how to effectively save your retirement using a proven 3-step system.
- [Roth Conversion Mistakes to Avoid (Early Retirement)](https://onedegreeadvisors.com/2023/12/roth-conversion-mistakes-to-avoid-early-retirement/) - In this video, Matt teaches us how to avoid common Roth Conversion mistakes to help ensure a sound plan for a successful early retirement.
- [Regret-Free Retirement](https://onedegreeadvisors.com/2024/01/regret-free-retirement/) - Embark on a transformative journey towards a regret-free retirement. Uncover the wisdom derived from the poignant observations of palliative care workers, addressing the five common regrets at life's end. Dive into actionable insights and the powerful mental framework of inversion to pave the way for a fulfilling, authentic, and joy-filled post-career life. Begin your pursuit of happiness and make informed life choices for a retirement without regrets.
- [Financial Independence Regrets To Avoid (Use This Framework)](https://onedegreeadvisors.com/2023/12/financial-independence-regrets-to-avoid-use-this-framework/) - In this video, Matt goes through a framework that can help you avoid financial independence regrets.
- [Should I work one more year? And does it matter? A framework to retire ASAP](https://onedegreeadvisors.com/2023/12/should-i-work-one-more-year-and-does-it-matter-a-framework-to-retire-asap/) - Our expert framework delves into the 'work one more year' dilemma, providing insights and solutions for a secure retirement.
- [Expert Dave Ramsey Is WRONG, He's Ignoring This Little Known Rule](https://onedegreeadvisors.com/2023/11/expert-dave-ramsey-is-wrong-early-retirement-withdrawal-strategy/) - In this video, Matt exposes flaws in Ramsey's 8% withdrawal approach and explores a smarter early retirement withdrawal strategy.
- [Navigating Challenges of Social Security Benefits](https://onedegreeadvisors.com/2023/12/navigating-challenges-social-security-benefits-purchasing-power/) - Discover the intricacies of Social Security benefits and how their purchasing power is evolving over time. Uncover the challenges retirees face, from adjustments based on the Consumer Price Index to the potential impact of the Social Security Trust fund depletion by 2033. Explore actionable insights from successful retirees, including investment portfolio strategies, budget adjustments, and tax planning, ensuring a secure and confident retirement in the face of economic uncertainties
- [Planning for a Sabbatical Without Ruining Early Retirement (CASE STUDY)](https://onedegreeadvisors.com/2023/11/planning-for-a-sabbatical-without-ruining-early-retirement-case-study/) - In this video, Matt goes through a case study on planning for a sabbatical without ruining your retirement plans.
- [$2.5 Million Retirement Case Study](https://onedegreeadvisors.com/2023/11/yahoo-finance-2-5-million-case-study-comprehensive-analysis-retirement-planning/) - Delve into the intricacies of retirement planning with our comprehensive analysis of the Yahoo Finance 2.5 million case study. Uncover the impact of investments, inflation, and unexpected events, and equip yourself with insights to navigate the path to a secure financial future
- [Successful Retirement Planning with $3 Million](https://onedegreeadvisors.com/2023/11/successful-retirement-planning-addressing-crucial-variables/) - Explore the key elements of successful retirement planning with Anthony, from mastering your finances with the 'live, give, or grow' system to accounting for inflation and optimizing tax efficiency.
- [Simple Early Retirement Planning Guide](https://onedegreeadvisors.com/2023/11/simple-early-retirement-planning-guide/) - In this video, Matt goes through a simple early retirement planning guide to help you plan properly.
- [Overlooked Expenses in Retirement](https://onedegreeadvisors.com/2023/11/navigating-overlooked-expenses-in-retirement-guide/) - Alex and Anthony discuss commonly overlooked expenses and discover the strategic financial planning necessary for a secure and fulfilling retirement.
- [High Dividend Investing Risks for Retirement Income](https://onedegreeadvisors.com/2023/11/high-dividend-investing-risks/) - High Dividend Investing Risks can pose significant challenges for retirees seeking a reliable income source during their golden years. In this article, we explore the potential pitfalls of relying solely on high dividend-paying stocks and introduce a diversified approach to help you secure your retirement income with confidence.
- [Tax-Efficient Strategies for Retirees: 4 Effective Strategies](https://onedegreeadvisors.com/2023/10/retirement-tax-planning-4-effective-strategies-for-high-income-earners/) - Alex and Anthony discuss four tax-saving techniques that can help retirees minimize their tax liability and retain more of their hard-earned money.
- [The Ten-Year Rule for Inherited IRAs](https://onedegreeadvisors.com/2023/10/the-ten-year-rule-for-inherited-iras/) - Alex explains the tax implications and strategies for the Ten-Year Rule for Inherited IRAs.
- [The First Year of Retirement: 3 Things You Must Prepare For](https://onedegreeadvisors.com/2023/10/the-first-year-of-retirement-3-things-you-must-prepare-for/) - In this video, Alex and Anthony go over 3 things that they commonly see in a retiree's first year of retirement.
- [When to Take Social Security? Start at Age 62 or 70?](https://onedegreeadvisors.com/2023/10/social-security-start-at-age-62-or-70/) - In today’s video, Anthony assesses the factors of taking Social Security that can hopefully put more money in your pocket through retirement.
- [How To Gift $100k To Your Family Tax Free (wealth transfer strategies)](https://onedegreeadvisors.com/2023/09/how-to-gift-100k-to-your-family-tax-free-gift-and-estate-tax-exemption-2023/) - Alex explains some strategic wealth transfer strategies including: how Intrafamily Loans and the Annual Gift Tax Exclusion work.
- [Third Quarter 2023 Investment Market Review](https://onedegreeadvisors.com/2023/10/third-quarter-2023-investment-market-review/) - Take a look at our third quarter 2023 Investment Market Review. Download our free PDF.
- [3 Must-Know Updates: Prepare for Tax Cuts & Jobs Act Expiration](https://onedegreeadvisors.com/2023/09/3-must-know-updates-prepare-for-tax-cuts-jobs-act-expiration/) - Alex and Anthony discuss the 3 must know updates to Trump's Tax Cuts & Jobs Act Expiration
- [Creating a RMD Strategy: Tailoring Your IRA Distributions to Your Needs](https://onedegreeadvisors.com/2023/09/creating-a-rmd-strategy-tailoring-your-ira-distributions-to-your-needs/) - Creating a RMD Strategy: Tailoring Your IRA Distributions to Your Needs. 3 options for what to do with your RMD's.
- [The 7 Money Mistakes That Will Ruin Your Marriage in Retirement](https://onedegreeadvisors.com/2023/09/the-7-money-mistakes-that-will-ruin-your-marriage-in-retirement/) - In this video, Anthony shares 7 money mistakes to avoid in marriage and retirement planning tips he has learned over the years.
- [Simple Way To Maximize Your Social Security Benefit + 4 Pitfalls You Must Avoid](https://onedegreeadvisors.com/2023/08/simple-way-to-maximize-your-social-security-benefit-4-pitfalls-you-must-avoid/) - Simple Way To Maximize Your Social Security Benefit + 4 Pitfalls You Must Avoid. Timing of taking social security, spouse considerations.
- [5 Actions You Need To Take 5 Years Before Retirement](https://onedegreeadvisors.com/2023/08/5-actions-you-need-to-take-5-years-before-retirement/) - 5 Actions You Need To Take 5 Years Before Retirement. Consumer debt, tax planning, medicare premiums, income gap, and investment alignment.
- [Retirement Spending Gone Wrong: 5 Purchases Retirees Wish They Could Undo](https://onedegreeadvisors.com/2023/08/retirement-spending-gone-wrong-5-purchases-retirees-wish-they-could-undo/) - Retirement Spending Gone Wrong: 5 Purchases Retirees Wish They Could Undo. RV, vacation home, open checkbook, larger home, and expensive car
- [Is Semi-Retirement Financially Viable? 3 Key Factors to Consider](https://onedegreeadvisors.com/2023/08/is-semi-retirement-financially-viable-3-key-factors-to-consider/) - Is Semi-Retirement Financially Viable? 3 Key Factors to Consider 1. Income needs? 2. Years of part-time work 3. Living expenses
- [Early Retirement: 4 Common Mistakes](https://onedegreeadvisors.com/2023/08/early-retirement-4-common-mistakes/) - Early Retirement: 4 Common Mistakes: Healthcare gap, income gap, inflation, and losing purpose in retirement.
- [Gold Rush: Why Investing in Gold is Misunderstood](https://onedegreeadvisors.com/2023/07/gold-rush-why-investing-in-gold-is-misunderstood/) - Gold Rush: Why Investing in Gold is Misunderstood
- [Smart Retirement Withdrawal: Start with the Best Account (Avoid Common Errors!)](https://onedegreeadvisors.com/2023/07/smart-retirement-withdrawal-start-with-the-best-account-avoid-common-errors/) - Smart Retirement Withdrawal: Start with the Best Account (Avoid Common Errors!). RMD and IRMAA bracket considerations and more.
- [Second Quarter 2023 Investment Market Review](https://onedegreeadvisors.com/2023/07/second-quarter-2023-investment-market-review/) - Take a look at our second quarter 2023 Investment Market Review. Download our free PDF.
- [Thrive! (Not just survive) Retirement: 3 Things to Do](https://onedegreeadvisors.com/2023/07/thrive-not-just-survive-retirement-3-things-to-do/) - Thrive! (Not just survive) Retirement: 3 Things to Do: Stick to your financial plan, stay on track, and focus on tax savings
- [9 Best Questions to Ask a Financial Advisor in 2023](https://onedegreeadvisors.com/2023/06/9-best-questions-to-ask-a-financial-advisor-in-2023/) - 9 Best Questions to Ask a Financial Advisor in 2023. Recommendations in best interest? comprehensive advise? How do you get paid?
- [Retire Right Now: 3 Compelling Reasons You Should Retire ASAP](https://onedegreeadvisors.com/2023/07/retire-right-now-3-compelling-reasons-you-should-retire-asap/) - Retire Right Now: 3 Compelling Reasons You Should Retire ASAP: Financially ready, time is a resource, and health in retirement.
- [Average Retirement Savings By Age 60. How much should you have saved? (2023 edition)](https://onedegreeadvisors.com/2023/06/average-retirement-savings-by-age-60-how-much-should-you-have-saved-2023-edition/) - Average Retirement Savings By Age 60. How much should you have saved? Is $400k enough? Is Gen X ready for retirement?
- [Can You Really Retire in California with $2 Million? Financial Advisor Explains](https://onedegreeadvisors.com/2023/06/can-you-really-retire-in-california-with-2-million-financial-advisor-explains/) - Can You Really Retire in California with $2 Million? Financial Advisor explains factors that effect financial planning for retirement.
- [Financial Red Flags: Why These 4 Characteristics Signal It's Not Time to Retire](https://onedegreeadvisors.com/2023/06/financial-red-flags-why-these-4-characteristics-signal-its-not-time-to-retire/) - Financial Red Flags: Why These 4 Characteristics Signal It's Not Time to Retire
- [Is a Financial Advisor Worth it? 3 Things to Know](https://onedegreeadvisors.com/2023/06/is-a-financial-advisor-worth-it-3-things-to-know/) - Is a financial advisor worth it? Today we are discussing three things to know, before hiring a financial advisor.
- [This 1 Thing Will Rob You of Financial Success](https://onedegreeadvisors.com/2023/05/this-1-thing-will-rob-you-of-financial-success/) - Let's discuss how to take advantage of these great rates on cash, but doing so in a way that doesn't cause you to have a negative real return in retirement.
- [Is the Bear Market Over?](https://onedegreeadvisors.com/2023/05/is-the-bear-market-over/) - Is the Bear Market Over? We discuss both sides of the argument and provide three action items so you’re a better-informed investor.
- [The Top 4 Tax Planning Mistakes to Avoid in Retirement](https://onedegreeadvisors.com/2023/05/the-top-4-tax-planning-mistakes-to-avoid-in-retirement/) - The Top 4 Tax Planning Mistakes to Avoid in Retirement. Income taxes, IRMAA, giving, and not hiring a tax pro.
- [When can you retire? 3 Question Checklist](https://onedegreeadvisors.com/2023/05/when-can-you-retire-3-question-checklist/) - Today, we’ll go through an important 3 question checklist to make sure you are ready and successful in your retirement.
- [How to Use Bonds Effectively for Retirement Income](https://onedegreeadvisors.com/2023/04/how-to-use-bonds-effectively-for-retirement-income/) - How to Use Bonds Effectively for Retirement Income. Short-term or long-term needs are a factor in the type of bonds to use in retirement.
- [Grandparent or Parent Owned 529 - Secure Act 2.0](https://onedegreeadvisors.com/2023/04/grandparent-or-parent-owned-529-secure-act-2-0/) - Grandparent or Parent Owned 529 - Secure Act 2.0. Changes that may effect how parents and grandparents pay for higher education.
- [First Quarter 2023 Investment Market Review](https://onedegreeadvisors.com/2023/04/first-quarter-2023-investment-market-review/) - Take a look at our first quarter 2023 Investment Market Review. Download our free PDF.
- [Where Is the Best Place to Invest Your Retirement Money (2023)](https://onedegreeadvisors.com/2023/03/where-is-the-best-place-to-invest-your-retirement-money-2023/) - Where Is the Best Place to Invest Your Retirement Money (2023)? Cash, bonds, and stocks all play an important role in your financial plan, with duration being a major consideration.
- [US Debt Default? How do you protect your investments?](https://onedegreeadvisors.com/2023/04/us-debt-default-how-do-you-protect-your-investments/) - US Debt Default? How do you protect your investments?
- [Are Target Date Funds A Good Investment for Retirement?](https://onedegreeadvisors.com/2023/04/are-target-date-funds-a-good-investment-for-retirement/) - Are Target Date Funds A Good Investment for Retirement? Target date funds can be less flexible than a custom plan.
- [Bank Failures - What Retirees Should Know + What Now?](https://onedegreeadvisors.com/2023/03/bank-failures-what-retirees-should-know-what-now/) - Silicon Valley Bank has gone under with Signature Bank following close behind. Today we will briefly discuss what is going on and what to do.
- [Maximizing your Roth IRA after you retire](https://onedegreeadvisors.com/2023/03/maximizing-your-roth-ira-after-you-retire/) - How do you get the most out of that wonderful tax-free Roth IRA? Today we’re discussing 3 steps to optimize your Roth IRA as you approach and get into retirement.
- [The Truth About Dividend Investing (What You Should Know)](https://onedegreeadvisors.com/2023/03/the-truth-about-dividend-investing-what-you-should-know/) - Understanding the role of dividends in your portfolio will help you have an investment strategy that could better align with your overall goals.
- [How much cash should you have in retirement?](https://onedegreeadvisors.com/2023/02/how-much-cash-should-you-have-in-retirement/) - How much cash should you have in retirement? The purpose of cash, the amount of cash, and where cash is parked, are all important factors.
- [How To Invest When the Stock Market Seems Scary](https://onedegreeadvisors.com/2023/03/how-to-invest-when-the-stock-market-seems-scary/) - How To Invest When the Stock Market Seems Scary. Today we discuss three reasons to have confidence in the future.
- [Should you rollover your 401(k) to an IRA?](https://onedegreeadvisors.com/2023/02/should-you-rollover-your-401k-to-an-ira/) - Should you rollover your 401k or other retirement plans to an IRA when you retire or leave your job? We discuss the pros and cons to consider.
- [Investing During a Recession - What Should Retirees Do?](https://onedegreeadvisors.com/2023/02/investing-during-a-recession-what-should-retirees-do/) - Investing During a Recession can be stressful and difficult to navigate - In this video, we discuss 3 things retirees can do.
- [Fair Tax Act: Should you change your tax strategy?](https://onedegreeadvisors.com/2023/02/fair-tax-act-should-you-change-your-tax-strategy/) - We’ll discuss how the Fair Tax could work, some planning ideas you’ll want to keep in mind, and the key tax planning takeaway.
- [Why Invest in Stocks When Bond Yields Are Higher?](https://onedegreeadvisors.com/2023/02/bonds-vs-stocks/) - Bonds are yielding worthwhile interest rates. Should you take the comfortable return of a treasury bond instead of taking risk in stocks?
- [The 3 Things You’ll Wish You Knew Before Retiring](https://onedegreeadvisors.com/2023/02/the-3-things-youll-wish-you-knew-before-retiring/) - Many people believe that retirement is a time of leisure and no stress. However, there are three things you’ll wish you knew before retiring
- [Individual Bonds vs Bond Funds - Which is Better for Retirees?](https://onedegreeadvisors.com/2023/01/individual-bonds-vs-bond-funds-which-is-better-for-retirees/) - Should you buy individual bonds or a bond mutual fund? Here are some pros and cons of each option so you can make an informed decision.
- [Avoid These 5 Pitfalls When Transferring Your Wealth to Your Kids](https://onedegreeadvisors.com/2023/01/avoid-these-5-pitfalls-when-transferring-your-wealth-to-your-kids/) - You’ve passed along an inheritance to your children. However, many people mess this part up. Avoid these 5 mistakes.
- [3 Things You Shouldn’t Stress Over in Retirement](https://onedegreeadvisors.com/2023/01/3-things-you-shouldnt-stress-over-in-retirement/) - There are many things a retiree can worry about in retirement. In this video, we discuss 3 things to avoid stressing over in retirement.
- [Moving to a Continuing Care Retirement Community - How to Know If It’s Right For You?](https://onedegreeadvisors.com/2023/01/retirement-community-pros-and-cons/) - Making a move to a retirement community is a big decision. We discuss the pros and cons and highlight three "must-do's" to consider.
- [How is Social Security Taxed? 3 Solutions to Save Taxes](https://onedegreeadvisors.com/2023/01/social-security-and-taxes/) - How is Social Security taxed? Today, we’ll discuss how social security is taxed and 3 solutions to save taxes.
- [The Secret to a Fulfilling Retirement (Retire With Purpose)](https://onedegreeadvisors.com/2023/01/fulfilling-retirement/) - Having a retirement with purpose and meaning by being more generous. Four ideas for a fulfilling retirement.
- [Fourth Quarter 2022 Investment Market Review](https://onedegreeadvisors.com/2022/12/fourth-quarter-2022-investment-market-review/) - Take a look at our fourth quarter 2022 Investment Market Review. Download our free PDF.
- [Annual Investment Market Review 2022](https://onedegreeadvisors.com/2022/12/annual-investment-market-review-2022/) - Take a look at our annual investment market review 2022. Download our free PDF.
- [Am I doing it right? Money Management in an Uncertain World](https://onedegreeadvisors.com/2023/01/am-i-doing-it-right-money-management-in-an-uncertain-world/) - Going into 2023, many people are asking this same question, "Am I doing it right?" That is, are they managing their money right? Because like parenting, you may be doing nearly everything right, and yet it seems to not be working.
- [Gifting Money to Children Without Paying Tax (Annual Gift Tax Exclusion 2023)](https://onedegreeadvisors.com/2023/01/gifting-money-to-children-without-paying-tax-annual-gift-tax-exclusion-2023/) - In this video, we discuss gifting strategies to avoid taxes utilizing the annual gift tax exclusion and lifetime estate tax exclusion amount.
- [Secure Act 2.0 (What Retirees Should Know)](https://onedegreeadvisors.com/2022/12/secure-act-2-0-what-retirees-should-know/) - In this video we discuss Secure Act 2.0 - a grand retirement bill set to pass that includes raising the RMD age for retirees.
- [The Truth About When You Can (AND SHOULD) Stop Saving for Retirement](https://onedegreeadvisors.com/2023/01/the-truth-about-when-you-can-and-should-stop-saving-for-retirement/) - In this video, we discuss when you should call it quits and start spending your hard-earned money in retirement.
- [Is Long-Term Care Insurance Worth The Cost? (2023)](https://onedegreeadvisors.com/2022/12/is-long-term-care-insurance-worth-the-costs-2023/) - A long-term healthcare need can wipe out retirement assets. With the rising cost of Long-term care insurance, is it still worth the cost?
- [How to Address The Endless Pursuit of Money (2 Solutions)](https://onedegreeadvisors.com/2022/12/how-to-address-the-endless-pursuit-of-money-2-solutions/) - In this video, we’ll discuss why addressing this question of ‘how much is enough?’ can help you pursue peace of mind.
- [Lump-sum vs Annuity: How to Maximize Your Pension Benefit in 2023](https://onedegreeadvisors.com/2022/12/lump-sum-vs-annuity-how-to-maximize-your-pension-benefit-in-2023/) - Lump-sum vs Annuity - Should you take the lump sum or the annuity option on your pension? Today Alex & Anthony discuss.
- [Lower RMD in 2023? 3 Things Retirees Can Do](https://onedegreeadvisors.com/2022/12/lower-rmd-in-2023-3-things-retirees-can-do/) - Will your required minimum distribution from your IRA be lower in 2023? Today, Anthony & Alex discuss 3 things retirees can do.
- [Retirees: Take Advantage of Donor Advised Funds for Tax-Advantaged Giving!](https://onedegreeadvisors.com/2022/12/retirees-take-advantage-of-donor-advised-funds-for-tax-advantaged-giving/) - In this video, we will show you the advantages donor advised funds, and how to start making gifts to make an impact with your wealth.
- [The Truth About Paying Off Your Mortgage Before You Retire (2023)](https://onedegreeadvisors.com/2022/12/the-truth-about-paying-off-your-mortgage-before-you-retire-2023/) - The truth about paying off your mortgage before you retire is that it’s not purely a mathematical decision. Today Alex & Matt discuss the advantages, disadvantages, and what truly drives retirees to make this decision.
- [Should I Collect Social Security and Invest it? (Before Social Security Runs Out)](https://onedegreeadvisors.com/2022/11/should-i-collect-social-security-and-invest-it-before-social-security-runs-out/) - Should I collect social security and invest? Today we discuss what happens when/if the social security reserve fund “runs out.”
- [Should Retirees Sell Stocks and Move to High-Interest Savings? (2022 Stock Market)](https://onedegreeadvisors.com/2022/11/should-retirees-sell-stocks-and-move-to-high-interest-savings-2022-stock-market/) - Should retirees sell stocks and move money into safe, interest-bearing investments like CDs, treasury bills, or high-yield savings accounts?
- [How Retirees Can Benefit From Dynamic Financial Planning (with real examples!)](https://onedegreeadvisors.com/2022/11/how-retirees-can-benefit-from-dynamic-financial-planning-with-real-examples/) - In this video, we walk through a case study of how a retired couple can benefit from dynamic financial planning.
- [10 Years Out From Retirement (Do These Three Things!)](https://onedegreeadvisors.com/2022/11/10-years-out-from-retirement-do-these-three-things/) - 10 Years Out From Retirement? After helping hundreds of families cross the finish line, we are going to discuss 3 areas to focus on.
- [How to Avoid Capital Gain Distributions - The ETF Secret](https://onedegreeadvisors.com/2022/11/how-to-avoid-capital-gain-distributions-the-etf-secret/) - Today we discuss how to avoid capital gain distributions from your mutual funds, and alternatives to be more tax efficient in the future.
- [Should I Sell My Inherited Property to Fund Retirement?](https://onedegreeadvisors.com/2022/11/should-i-sell-my-inherited-property-to-fund-retirement/) - Should I Sell My Inherited Property to fund retirement? In this video, we walk through 4 reasons retirees sell.
- [Where Should Retirees Park Their Cash? Safety + High Interest](https://onedegreeadvisors.com/2022/11/where-should-retirees-park-their-cash-safety-high-interest/) - Where Should Retirees Park Their Cash? Where can you park your safe money to earn more substantial interest + what you need to avoid.
- [Is 2022 a Bad Year to Retire? 2 Ways to Protect Your Retirement](https://onedegreeadvisors.com/2022/10/is-2022-a-bad-year-to-retire-2-ways-to-protect-your-retirement/) - Is 2022 a bad year to retire? A bear market can be scary for retirees, but there are principles you can follow to gain confidence & clarity.
- [401k Contribution Limits 2023 (BIG INCREASE) - Should You Max Out Your 401k?](https://onedegreeadvisors.com/2022/11/401k-contribution-limits-2023-big-increase-should-you-max-out-your-401k/) - 401k Contribution Limits 2023 - Today Matt & Alex discuss 3 things you need to think about before you max out your 401k.
- [IRS Inflation Adjustments 2023 (Critical Retiree Decision)](https://onedegreeadvisors.com/2022/10/irs-inflation-adjustments-2023-critical-retiree-decision/) - In this episode of Cut Through The Noise, Alex & Anthony discuss the new IRS Inflation Adjustments 2023 and much more.
- [5 Things Retirees Should Do in a Bear Market (2022)](https://onedegreeadvisors.com/2022/10/5-things-retirees-should-do-in-a-bear-market-2022/) - Today, Anthony & Alex share 5 actions retirees can take to improve their investment portfolio during a bear market.
- [When Will the Stock Market Recover? What Retirees Should Prepare For](https://onedegreeadvisors.com/2022/10/when-will-the-stock-market-recover-what-retirees-should-prepare-for/) - When Will the Stock Market Recover? Today we are going to discuss what retirees should prepare for in 2022.
- [Restricted Stock Units: Should I Cash Out My Vested RSU's?](https://onedegreeadvisors.com/2022/10/restricted-stock-units-should-i-cash-out-my-vested-rsus/) - Restricted Stock Units - RSU’s can be a great way to build wealth - but incorrectly managed could be a huge risk.
- [Retire With Confidence - 3 Critical Things Every Retirement Plan Needs.](https://onedegreeadvisors.com/2022/10/retire-with-confidence-3-critical-things-every-retirement-plan-needs/) - Today Matt & Alex discuss the 3 critical things you need to factor in your plan so you can truly retire with confidence.
- [Are Certificate Deposits (CD’s) a Good Investment During High Inflation?](https://onedegreeadvisors.com/2022/10/are-certificate-deposits-cds-a-good-investment-during-high-inflation/) - With high inflation this year - are CDs a good investment? Today we discuss what to consider in the current environment.
- [Third Quarter 2022 Investment Market Review](https://onedegreeadvisors.com/2022/10/third-quarter-2022-investment-market-review/) - Take a look at our third quarter 2022 Investment Market Review. Download our free PDF.
- [3 Things You Should Do After Your Spouse Dies](https://onedegreeadvisors.com/2022/10/financial-things-to-do-when-your-spouse-dies/) - Losing a spouse can be one of the hardest things a person can go through. Today we discuss 3 things to do after your spouse dies
- [Watch This Before You Move States in Retirement (2022)](https://onedegreeadvisors.com/2022/10/watch-this-before-you-move-states-in-retirement-2022/) - In this video, Anthony & Alex discuss important factors retirees should consider before they move states in retirement.
- [Bear Market: Are You Losing All Your Gains?](https://onedegreeadvisors.com/2022/09/bear-market-are-you-losing-all-your-gains/) - Bear markets in stocks may make you feel like you are losing all their gains. It may feel like you cannot get ahead, so why bother?
- [What is the Least Amount Needed in Your Investment Portfolio to Retire? (2022)](https://onedegreeadvisors.com/2022/09/what-is-the-least-amount-needed-in-your-investment-portfolio-to-retire-2022/) - What is the least amount in your investment portfolio to retire? Today we are showing you a simple step by step guide so you can calculate this on your own.
- [Social Security Increase for 2023 (What Retirees Should Know)](https://onedegreeadvisors.com/2022/09/social-security-increase-for-2023-what-retirees-should-know/) - Social Security is set to increase in 2023. But the reality is that Social Security's buying power has plunged over the decades due to inflation.
- [Can I Retire at 62 With $1.2 Million in Retirement Savings? (2022)](https://onedegreeadvisors.com/2022/09/can-i-retire-at-62-with-1-2-million-in-retirement-savings-2022/) - Today, Alex & Anthony dig into a couple’s financial plan to see if they can retire at age 62 with $1.2 Million dollars saved.
- [5 Strategies to Lower Your RMD (2022)](https://onedegreeadvisors.com/2022/09/5-strategies-to-lower-your-rmd-2022/) - Many people can't stand the fact that the government forces them to withdrawal taxable money from their retirement accounts at age 72. Today we walk through 5 simple strategies to lower your RMD.
- [3 Retirement Withdrawal Strategies for Down Markets (2022)](https://onedegreeadvisors.com/2022/09/3-retirement-withdrawal-strategies-for-down-markets-2022/) - In this video, Alex & Anthony discuss how to take investment withdrawals in a down market without completely derailing your plan.
- [Investment Market Turmoil 2022 - Is There Anywhere to Hide?](https://onedegreeadvisors.com/2022/09/investment-market-turmoil-2022-is-there-anywhere-to-hide/) - In this episode of Cut Through The Noise, Anthony Saffer and Alex Okugawa discuss the 2022 stock market, energy prices in Europe, student loan forgiveness, and rising credit card balances...
- [How to Invest like Albert Einstein](https://onedegreeadvisors.com/2022/10/how-to-invest-like-albert-einstein/) - Albert Einstein's success required decades of patience, persistence, and consistency. You can invest like him if you follow his simple formula: Time + Consistency + Discipline.
- [Student Loans 2022 (Should I Pay Off My Student Loans or Invest??)](https://onedegreeadvisors.com/2022/08/student-loans-2022-should-i-pay-off-my-student-loans-or-invest/) - Biden has promised to relieve up to $20,000 in student debt per borrower. Today we answer the question, "Should I pay off my student loans or invest?"
- [Losing Money in Bonds? What Retirees Should Know](https://onedegreeadvisors.com/2022/08/losing-money-in-bonds-what-retirees-should-know/) - Today Alex & Anthony discuss what retirees should know about this current market environment for bonds & the role bonds play in a retirement portfolio.
- [High Inflation in Retirement. Do These Three Things!](https://onedegreeadvisors.com/2022/08/high-inflation-in-retirement-do-these-three-things/) - Inflation in retirement? Today, Alex & Anthony discuss why you should not panic and instead do these 3 things to have a financially healthy retirement.
- [Dividend Investing 2022: Should I Buy High Dividend Yield Stocks? (Buyer Beware!)](https://onedegreeadvisors.com/2022/08/dividend-investing-2022-should-i-buy-high-dividend-yield-stocks-buyer-beware/) - Dividend investing 2022: Should you buy high dividend yield stocks? Today, Anthony Saffer & Alex Okugawa discuss.
- [Inflation Reduction Act 2022 - Will it ACTUALLY Reduce Inflation?](https://onedegreeadvisors.com/2022/08/inflation-reduction-act-2022-will-it-actually-reduce-inflation/) - In this episode of Cut Through the Noise, Anthony & Alex discuss the Inflation Reduction Act of 2022 & much more.
- [Should I Invest in Commodities in 2022?](https://onedegreeadvisors.com/2022/07/should-i-invest-in-commodities-in-2022/) - Should I invest in commodities like oil, gold, and food in 2022? With stocks and bonds down in 2022 and 9% inflation, Anthony & Alex discuss.
- [What Experts are Saying About the 2022 Housing Market](https://onedegreeadvisors.com/2022/07/what-experts-are-saying-about-the-2022-housing-market/) - 2022 Housing Market: What experts have to say about the 2022 housing market along with a deep dive into the data to see what's going on.
- [Second Quarter 2022 Investment Market Review](https://onedegreeadvisors.com/2022/07/second-quarter-2022-investment-market-review/) - Take a look at our second quarter 2022 Investment Market Review. Download our free PDF.
- [401k Down in 2022?? Why You Should You Still Contribute](https://onedegreeadvisors.com/2022/07/401k-down-in-2022-why-you-should-you-still-contribute/) - 401k down in 2022? In this video, we will explain why you should still contribute to your 401(k) EVEN when the stock market is down...
- [HSA Loophole - The Secret Way to Use Your HSA! (2022 & Beyond)](https://onedegreeadvisors.com/2022/07/hsa-loophole-the-secret-way-to-use-your-hsa-2022-beyond/) - In this video, we discuss a little-known secret HSA loophole that can allow you to take tax-free withdrawals in retirement.
- [How the Fed Increasing Interest Rates Affects Your Financial Plan](https://onedegreeadvisors.com/2022/07/how-the-fed-increasing-interest-rates-affects-your-financial-plan/) - How the fed Increasing Interest rates impacts your financial plan, plus 4 strategies to consider for your money in the short and long term.
- [3 Ways to Protect Your Retirement in 2022 – Stock Market Decline](https://onedegreeadvisors.com/2022/06/3-ways-to-protect-your-retirement-in-2022-stock-market-decline/) - How to protect your retirement in 2022. Let's cover some helpful insights for times when the stock market declines and worry kicks in.
- [Why Young Investors Should Love A Bear Market (2022)](https://onedegreeadvisors.com/2022/06/why-young-investors-should-love-a-bear-market-2022/) - In this video, Matt & Alex discuss how young investors can take advantage of the stock market being down in 2022.
- [BEWARE of the Hidden Taxes in Retirement (2022 Tax Traps!)](https://onedegreeadvisors.com/2022/06/beware-of-the-hidden-taxes-in-retirement-2022-tax-traps/) - There are hidden retirement taxes that can potentially derail your retirement. Today we discuss what to watch out for, so you can be prepared.
- [Average Retirement Savings By Age 55. How much should you have saved? (2022 edition)](https://onedegreeadvisors.com/2022/06/average-retirement-savings-by-age-55-how-much-should-you-have-saved-2022-edition/) - What is the average retirement savings by age 55? Today Anthony & Alex break down one simple exercise that every retiree should go through.
- [10 Rules to Live by During a Bear Market](https://onedegreeadvisors.com/2022/05/10-rules-to-live-by-during-a-bear-market/) - Here are 10 small (but powerful) investing rules that you can use in a bear market to build wealth for the long term.
- [Top 3 Reasons to Perform a Roth Conversion in 2022 (and beyond!)](https://onedegreeadvisors.com/2022/05/roth-conversion-2022/) - Could now be an opportune time for a Roth conversion? In this video, we discuss the top 3 reasons to consider a Roth conversion in 2022.
- [2022 Recession: Are Stocks Headed Lower?](https://onedegreeadvisors.com/2022/06/2022-recession-are-stocks-headed-lower/) - In this episode of Cut Through The Noise, Anthony Saffer and Alex Okugawa share their thoughts on recessions, inflation, and other questions we've been asked throughout the month
- [Roth vs Traditional 401k - Tax Free Millionaire in Retirement](https://onedegreeadvisors.com/2022/05/roth-vs-traditional-401k-tax-free-millionaire-in-retirement/) - Roth vs Traditional 401k: What’s Best For You? Maximize your retirement savings by choosing the most rewarding tax benefit while you're working.
- [Has Inflation Finally Peaked? Inflation 2022](https://onedegreeadvisors.com/2022/05/inflation-2022-are-we-at-a-breaking-point/) - Has inflation peaked? In this episode of Cut Through The Noise, Anthony Saffer and Alex Okugawa share their thoughts on inflation in 2022.
- [If You Have Restricted Stock Units, Here are 5 Effective Ways to Reduce Your Tax Bill (2023)](https://onedegreeadvisors.com/2022/05/rsu-taxation-how-to-reduce-your-rsu-tax-bill-2022/) - Restricted Stock Units (RSUs) have important rules. In this article we explain RSU taxation & strategies to reduce your tax bill in 2022.
- [3 Strategies for the Required Minimum Distribution (RMD) You Don't Need](https://onedegreeadvisors.com/2022/05/3-strategies-for-the-required-minimum-distribution-rmd-you-dont-need/) - Sometimes people don’t need the income from their Required Minimum Distribution. So what’s the best thing to do with a RMD you don’t need?
- [Inflation Hedge: Series i Savings Bonds at 9.62% in 2022](https://onedegreeadvisors.com/2022/04/inflation-hedge-series-i-savings-bonds/) - Series I Savings Bonds are getting plenty of buzz in 2022. Anthony & Alex discuss I Bonds as an inflation hedge for savers.
- [Will Crypto Survive the Next Decade?](https://onedegreeadvisors.com/2022/04/will-crypto-survive-the-next-decade/) - You've probably heard plenty of stories about cryptocurrencies this year, but will it survive the next decade or will it become another fad?
- [New RMD Change to Age 75?? - Secure Act 2.0](https://onedegreeadvisors.com/2022/04/new-rmd-change-to-age-75/) - The US government has more surprises for retirees on the horizon! A proposal in Secure Act 2.0 could cause a new RMD change to age 75.
- [Resigning From a Job? 4 Options For Your Retirement Accounts](https://onedegreeadvisors.com/2022/04/resigning-from-a-job-4-options-for-your-retirement-accounts/) - Resigning from a job? In this video Anthony & Alex break down four options for your retirement accounts when you resign + pitfalls to avoid.
- [Investing For High Inflation in 2022 - Cut Through the Noise](https://onedegreeadvisors.com/2022/04/investing-for-high-inflation-in-2022-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss investing strategies for high inflation in 2022 & more on Cut Through the Noise.
- [First Quarter 2022 Investment Market Review](https://onedegreeadvisors.com/2022/04/first-quarter-2022-investment-market-review/) - Take a look at our first quarter 2022 Investment Market Review. Download our free PDF.
- [“How Do I Save For a Down Payment On a House in 2022?”](https://onedegreeadvisors.com/2022/03/down-payment-on-a-house/) - Cash doesn’t earn you anything so some people are thinking they should invest their down payment. So what should you do? Let’s find out.
- [Retiring in 3 Years? 5 Steps to Retire Smart](https://onedegreeadvisors.com/2022/03/retiring-in-3-years-5-steps-to-retire-smart/) - Most people do not want to be a burden to their kids and they do not want to go back to work! So before you retire, you want to be confident you made smart choices and that your financial future is rock solid.
- ["How Much Can I Save & Still Live Comfortably?" the 5 Uses of Money](https://onedegreeadvisors.com/2022/03/how-much-should-i-save-each-month/) - Where is my money going? How much should I save each month? Today we are talking about a simple framework for understanding your money.
- [Geopolitics, Market dips, & More: Cut Through the Noise](https://onedegreeadvisors.com/2022/03/geopolitics-market-dips-more-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss geopolitics, market dips, & more on Cut Through the Noise.
- [INFLATION PROOF Your Retirement | 7 Solutions](https://onedegreeadvisors.com/2022/03/inflation-proof-your-retirement-7-solutions/) - How might increasing inflation affect your retirement? In this video we outline 7 solutions to INFLATION PROOF your retirement.
- [Is Cryptocurrency a Scam or Here to Stay?](https://onedegreeadvisors.com/2022/02/cryptocurrency-scam/) - Is cryptocurrency here to stay? What investors should know and why cryptocurrency as a concept likely not a scam.
- [The Smart Retirees Guide to Giving](https://onedegreeadvisors.com/2022/02/donating-rmd-to-charity/) - Donating your RMD to charity using the QCD strategy: Let’s examine a Case Study and the impact of the strategy on an ordinary family.
- [Should I Still Own Bonds? A Major Decision for Retirees](https://onedegreeadvisors.com/2022/02/investing-in-bonds/) - Bonds, known for stability, decreased -1.54% in 2021 and have started 2022 with the same downward trend. Should I still be investing in bonds?
- [Investing in Stablecoins & More: Cut Through the Noise](https://onedegreeadvisors.com/2022/01/investing-in-stablecoins/) - Should I be investing in stablecoins? We are certainly no experts, but today we hash (no pun intended) out things we are thinking about in this space, and the impact it may have on the future of money and yields.
- [Caution: Your expectations of stock market returns may be unrealistic](https://onedegreeadvisors.com/2022/01/expected-stock-returns/) - Expected stock returns and outcomes are constantly compared. Unrealistic and unmet expectations often lead to negative responses and consequences.
- [New RMD rules for 2022 - Don’t miss this change!](https://onedegreeadvisors.com/2022/01/new-rmd-rules-for-2022-dont-miss-this-change/) - The IRS has changed RMD rules again in 2022. If you have a tax-deferred account like an IRA don’t miss this change!
- [Fourth Quarter 2021 Investment Market Review](https://onedegreeadvisors.com/2022/01/fourth-quarter-2021-investment-market-review/) - Take a look at our fourth quarter 2021 Investment Market Review. Download our free PDF.
- [How to Save Your Children from Financial Mistakes](https://onedegreeadvisors.com/2022/01/how-to-save-your-children-from-financial-mistakes/) - Pressure from social media & society can cause poor financial decisions. Today we discuss how to save your children from financial mistakes.
- [How the 2022 Tax Bill Might Kill Charitable Giving Strategies](https://onedegreeadvisors.com/2021/12/how-the-2021-tax-bill-might-kill-charitable-giving-strategies/) - Does the recent tax proposal kill charitable giving strategies like stacking? If you give charitably and want to maximize tax savings you'll want to stay tuned.
- [How to Retire Without a Mortgage After Refinancing](https://onedegreeadvisors.com/2021/12/how-to-retire-without-a-mortgage-after-refinancing/) - How to retire without a mortgage after refinancing. Rates have been on decline for 40 years (from high 18% in 1981) to around 3% today.
- [Taking Social Security While Working](https://onedegreeadvisors.com/2021/12/working-while-taking-social-security/) - Can you take Social Security while working? Here are some key factors you should know if you plan to work while taking Social Security.
- [Is Whole Life Insurance a Good Idea?](https://onedegreeadvisors.com/2021/12/is-whole-life-insurance-a-good-idea/) - Is the decision to purchase whole life insurance a good idea? Here is why this decision can have a big impact on your future.
- [Pay Off Debt or Invest?](https://onedegreeadvisors.com/2021/11/pay-off-debt-or-invest/) - Should I pay off my debt or Invest? Today we are talking about what you should do with your money, and how to prioritize.
- [Inflation news, tax bills, & more: Cut Through The Noise](https://onedegreeadvisors.com/2021/11/inflation-news-tax-bills-more/) - This week Anthony Saffer and Alex Okugawa discuss inflation news, 2021 tax bills, & More on Cut Through the Noise.
- [Is a Roth Conversion Right For You?](https://onedegreeadvisors.com/2021/11/is-a-roth-conversion-right-for-you/) - Is a Roth Conversion Right For You? Smart investors know how to minimize their lifetime tax bills, implementing the right tax strategy.
- [4 Financial Advisor Traits to Look For](https://onedegreeadvisors.com/2021/11/4-traits-to-look-for-in-a-financial-advisor/) - Who you trust with your life savings is a big decision. But finding the right advisor can be difficult. Here are 4 traits to look for.
- [How to Retire Without a Mortgage After Refinancing](https://onedegreeadvisors.com/2021/10/how-to-retire-without-a-mortgage/) - How to retire without a mortgage: Multiple mortgage refinances have left many retirees with an extended house payment they would rather not have.
- [The End of the Mega Backdoor Roth](https://onedegreeadvisors.com/2021/10/the-end-of-the-mega-backdoor-roth/) - Is this the end of the mega backdoor Roth tax loophole? Congress has recently proposed to kill this backdoor Roth IRA strategy.
- [What is Umbrella Insurance?](https://onedegreeadvisors.com/2021/11/what-is-umbrella-insurance/) - What is Umbrella Insurance? Today we are discussing a very cost-effective way to protect yourself, your family, and your hard-earned assets.
- [Third Quarter 2021 Investment Market Review](https://onedegreeadvisors.com/2021/10/q3-2021-investment-market-review/) - Take a look at our Third Quarter 2021 Investment Market Review. Download our free PDF.
- [Benefit From Your Stock Losses](https://onedegreeadvisors.com/2021/10/benefit-from-your-stock-losses/) - How do you keep more money in your pocket this year? You may be able to benefit from your stock losses with this powerful tax strategy.
- [What Should You Do With Company Stock?](https://onedegreeadvisors.com/2021/10/what-should-you-do-with-company-stock/) - What Should You Do With Company Stock? If you work for a company that offers equity compensation there are pitfalls you need to be aware of.
- [Exit Planning is Good Business Strategy](https://onedegreeadvisors.com/2021/09/exit-planning-is-good-business-strategy/) - Exit Planning is Good Business Strategy. Exit planning is important even if you’re not ready to sell to increase your value and income.
- [Biden's Tax Proposals, The Future of Social Security & More: Cut Through The Noise](https://onedegreeadvisors.com/2021/09/bidens-tax-proposals-the-future-of-social-security-more-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss Biden's tax proposals, the future of social security, & More on Cut Through the Noise.
- [My Family Created a 100-Year Plan: Family Values, Vision and Mission](https://onedegreeadvisors.com/2019/04/family-values-vision-mission/) - Family Values, Vision and Mission This past weekend, we loaded up the minivan and drove an hour north to San Clemente. This was more than just a weekend getaway because we had a plan to create a plan — a 100-Year Plan that is. At least that’s how Robin and I framed it to our three kids:
- [Will My Business Actually Sell?](https://onedegreeadvisors.com/2021/09/will-my-business-actually-sell/) - Will My Business Actually Sell? 83% of business owners have no written transition plan and 49% have done no planning at all...
- [Practical Ways to Hedge Against Inflation](https://onedegreeadvisors.com/2021/09/practical-ways-to-hedge-against-inflation/) - How to hedge against inflation in 2021. Today we are talking about practical ways you can prepare for high inflation.
- [Child Tax Credits, Student Loan Forgiveness & More – Cut Through The Noise](https://onedegreeadvisors.com/2021/08/child-tax-credits-student-loan-forgiveness-more-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss child tax credits, student loan forgiveness, & More on Cut Through the Noise.
- [How will the increasing national debt affect you?](https://onedegreeadvisors.com/2021/08/how-will-the-increasing-national-debt-affect-you/) - How will the increasing national debt affect you? Inflation, higher taxes, interest rates, and the stability of currency are all questions.
- [Giving Appreciated Stock to Charity](https://onedegreeadvisors.com/2021/08/giving-appreciated-stock-to-charity/) - If you own appreciated investment shares there are big opportunities for Giving that appreciated stock to charity, and reap many benefits.
- [5 Retirement Mistakes to Avoid - Failing to Plan Your Time](https://onedegreeadvisors.com/2021/08/5-retirement-mistakes-to-avoid-failing-to-plan-your-time/) - 5 Retirement Mistakes to Avoid. Retirement planning usually focuses on money but excludes the most precious resource of your retirement: Time!
- [5 Retirement Mistakes to Avoid - Drifting Off Course](https://onedegreeadvisors.com/2021/08/5-retirement-mistakes-to-avoid-drifting-off-course/) - 5 Retirement Mistakes to Avoid. If you don't know where you are going and how to navigate changes, you can end drifting off course.
- [5 Retirement Mistakes to Avoid - Underestimating inflation](https://onedegreeadvisors.com/2021/07/5-retirement-mistakes-to-avoid-underestimating-inflation/) - 5 Retirement Mistakes to Avoid: Underestimating inflation. Not accounting for increasing costs in retirement, may lead to failure.
- [5 Retirement Mistakes to Avoid - Spending Too Much Too Soon](https://onedegreeadvisors.com/2021/08/5-retirement-mistakes-to-avoid-spending-too-much-too-soon/) - 5 Retirement Mistakes to Avoid. How much can I spend in retirement? Spending too much too soon is a recipe for a retirement disaster.
- [5 Retirement Mistakes to Avoid - Investment FOMO](https://onedegreeadvisors.com/2021/07/5-retirement-mistakes-to-avoid-investment-fomo/) - The Fear of Missing Out (FOMO) does not only apply to teen social scenes. Retirees are susceptible too, but the stakes are higher...
- [Your 401k & Net Unrealized Appreciation](https://onedegreeadvisors.com/2021/07/your-401k-net-unrealized-appreciation/) - Net Unrealized Appreciation in your 401k. The little-known strategy that could potentially save you thousands in taxes. Stay tuned.
- [Second Quarter 2021 Investment Market Review](https://onedegreeadvisors.com/2021/07/q2-2021-investment-market-review/) - Take a look at our Second Quarter 2021 Investment Market Review. Download our free PDF.
- [Tax on Selling Your Home & More - Cut Through The Noise](https://onedegreeadvisors.com/2021/06/tax-on-selling-your-home-more-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss tax on selling home residence, taking social security, & More on Cut Through the Noise.
- [3 Things to Know About Employee Stock Compensation](https://onedegreeadvisors.com/2021/06/3-things-to-know-about-employee-stock-options/) - For those of you that are an employee working for a company that is offering stock compensation here are 3 things to know about your benefits.
- [What is ESG Investing?](https://onedegreeadvisors.com/2021/06/what-is-esg-investing/) - What is ESG Investing? "ESG" style investing has become popular in recent times. Today we are going to quickly discuss what it is, and if you should consider it for your portfolio. Watch Here: https://youtu.be/w55e9wBH2lA Audio Version Here: https://soundcloud.com/user-678663830/what-is-esg-investing Show notes: Why You Should Understand Tracking Error When Investing Full transcript: SPEAKERS Anthony Saffer VP
- [Can you rollover a 401(k) to a Roth IRA?](https://onedegreeadvisors.com/2021/06/can-you-rollover-a-401k-to-a-roth-ira/) - Can you rollover a 401(k) to a Roth IRA? Understanding the rules and the character of your retirement money is important to make the best decision.
- [What is A Mega Backdoor Roth?](https://onedegreeadvisors.com/2021/06/what-is-a-mega-backdoor-roth/) - What is A Mega Backdoor Roth? Today we are going to break down a savings strategy most people don't know about.
- [Time to Cash Out Some Home Equity? Cut Through The Noise](https://onedegreeadvisors.com/2021/05/time-to-cash-out-some-home-equity/) - This week Anthony Saffer and Alex Okugawa discuss the question of whether it is time to cash out some home equity on Cut Through the Noise
- [Is a 15 Year Mortgage A Better Option?](https://onedegreeadvisors.com/2021/06/is-a-15-year-mortgage-a-better-option/) - Nobody wants to pay more interest than they need to but currently, interest is at a historic low. Is a 15 Year Mortgage A Better Option?
- [Stacking Charitable Giving to Maximize Tax Breaks](https://onedegreeadvisors.com/2021/05/stacking-charitable-giving-to-maximize-tax-breaks/) - Don't throwing away tax breaks by not carefully planning charitable giving! Here's how Stacking Charitable Giving can Maximize Tax Breaks
- [Why You Should Understand Tracking Error When Investing](https://onedegreeadvisors.com/2021/05/why-you-should-understand-tracking-error-when-investing/) - Are you trying to beat the market or trail the market? Understanding "Tracking Error" will make you a better investor.
- [Preparing For the Next Bear Market in Stocks](https://onedegreeadvisors.com/2021/04/bear-market-in-stocks/) - The stock market is at an all-time high. So, the next bear market in stocks is around the corner, right? Always stick to the plan.
- [How much money do you need to retire?](https://onedegreeadvisors.com/2021/05/how-much-money-need-retire/) - How much money do you need to retire? Retirement can be the most significant financial transition of your life so your calculation has major implications.
- [What is Value Investing? With Wes Gray Ph.D – Alpha Architect](https://onedegreeadvisors.com/2021/04/what-is-value-investing-with-wes-gray-alpha-architect/) - What is value investing? Today we're talking with Dr. Wes Gray, Ph.D. of Alpha Architect on the strategy of value investing.
- [Smart Tax Saving Strategies: 4 Key Habits](https://onedegreeadvisors.com/2021/03/smart-tax-saving-strategies/) - Taxes might be the biggest expense you pay over your lifetime. Smart tax saving strategies can ensure you pay less taxes over your life. In this post, I am sharing 4 key habits to keep more money in your pocket and reduce your headache.
- [First Quarter 2021 Investment Market Review](https://onedegreeadvisors.com/2021/04/first-quarter-2021-investment-market-review/) - Take a look at our Fourth Quarter 2020 Investment Market Review. Download our free PDF.
- [Mega Backdoor Roth: What It Is and Who Should Consider the Strategy](https://onedegreeadvisors.com/2021/03/mega-backdoor-roth-what-it-is-and-who-should-consider-the-strategy/) - The annual 401(k) contribution limits are often too low for high income earners. In this post, I am going to breakdown a little-known strategy, often dubbed a Mega Backdoor Roth. If you are a high-income earner who easily maxes out their 401(k) each year, keep reading.
- [What is Trend Investing? With Ryan Kirlin - Alpha Architect](https://onedegreeadvisors.com/2021/04/what-is-trend-investing-with-ryan-kirlin/) - What is trend investing? Today we're talking with Ryan Kirlin of Alpha Architect on the strategy of trend investing.
- [What is Momentum Investing? With Jack Vogel Ph.D - Alpha Architect](https://onedegreeadvisors.com/2021/04/what-is-momentum-investing-with-jack-vogel-alpha-architect/) - What is momentum investing? Today we're talking with Dr. Jack Vogel, Ph.D. of Alpha Architect on the strategy of momentum investing.
- [Target date funds: Good investment?](https://onedegreeadvisors.com/2021/03/target-date-funds-good-investment/) - Investing for retirement. Are target date funds a good investment? Let's discuss the pro's, con's, and what you should consider.
- [You Should Know This Before Planning Retirement](https://onedegreeadvisors.com/2021/03/you-should-know-this-before-planning-retirement/) - Retirement may be the biggest financial decision you ever make and most people are planning it the wrong way. Here is what you should know...
- [3 Tax Filing Mistakes for Retirees to Avoid in 2020](https://onedegreeadvisors.com/2021/03/3-tax-filing-mistakes-for-retirees-to-avoid-in-2020/) - All things considered, 2020 was a unique year for taxes. If you're a retiree, here 3 Tax Filing Mistakes for Retirees to Avoid in 2020.
- [Is The Stock Market In A Bubble?](https://onedegreeadvisors.com/2021/03/is-the-stock-market-in-a-bubble/) - We are seeing some euphoric behavior and investors are trying to find this balance of growth without getting caught in a downward spiral.
- [How to Invest in Speculative Stocks](https://onedegreeadvisors.com/2021/02/how-to-invest-in-speculative-stocks/) - Here I am going to breakdown why investing in individual, speculative stocks is perfectly fine with thoughtful guidelines in place.
- [International Stock Markets: Should I invest internationally?](https://onedegreeadvisors.com/2021/03/international-stock-markets-should-i-invest-internationally/) - Should you invest internationally? Today we are going to breakdown what you need to know about investing outside of the United States.
- [Are bonds worth investing in?](https://onedegreeadvisors.com/2021/02/are-bonds-worth-investing-in/) - Interest rates are at historic lows. As interest rates rise, this puts downward pressure on the value of bonds. Are bonds worth investing in?
- [Gamestop Tips on Savings & Restarting Your Business: Cut Through The Noise](https://onedegreeadvisors.com/2021/02/gamestop-tips-on-savings-restarting-your-business-cut-through-the-noise/) - This week Anthony Saffer and Alex Okugawa discuss the recent Gamestop mania, tips on savings, and restarting your business.
- [First Time Homeowners: Should I Help My Children Buy A Home?](https://onedegreeadvisors.com/2021/02/first-time-homeowners-should-i-help-my-children-buy-a-home/) - First-time homeowners. Should I help my children buy a home? It can be especially hard for first-time homeowners in Southern California...
- [Pursuing a Retirement that Works](https://onedegreeadvisors.com/2015/08/pursuing-a-retirement-that-works/) - What if we redefine our objectives and trade the chronological path for an integrated life of learning, productivity and fulfillment?
- [Successful Investing Lessons from 2020](https://onedegreeadvisors.com/2021/01/successful-investing-lessons-from-2020/) - 2020 has provided key lessons in how to be successful at investing. It’s a masterclass for those paying attention. Here are four key lessons.
- [What Happens When I Refer Someone to One Degree Advisors?](https://onedegreeadvisors.com/2021/02/what-happens-when-i-refer-someone-to-one-degree-advisors/) - We understand that your friend’s experience (even on a brief call) may reflect on you, so we want to provide them with a positive experience.
- [Lump-sum or Pension payout: Which option is best?](https://onedegreeadvisors.com/2021/02/lump-sum-or-pension-payout-which-option-is-best/) - A pension can make up the biggest source of income for retirees. If you have a pension, this is a video you don't want to miss.
- [Monthly Pension or Lump-Sum: Which option should I take? + Free Resource](https://onedegreeadvisors.com/2021/02/monthly-pension-or-lump-sum-which-option-should-i-take-free-resource/) - As you approach retirement, you might be wondering which option is best. This decision is not one to take lightly. A pension could be the single greatest source of your retirement income.
- [Insurance Planning: A Simple Annual Checklist](https://onedegreeadvisors.com/2021/02/insurance-planning-a-simple-annual-checklist/) - Insurance is an essential part of planning. That's why we've created a simple annual checklist to review your insurance coverage each year.
- [Portfolio Rebalancing: Why You Should Do It](https://onedegreeadvisors.com/2021/01/portfolio-rebalancing-why-you-should-do-it/) - The market is at all-time highs despite the economy. Let's talk about rebalancing as a part of a long-term strategic investment process.
- [Bitcoin, Tax Increases, and Inflation: Cut Through The Noise](https://onedegreeadvisors.com/2021/01/bitcoin-tax-increases-and-inflation/) - This week Anthony Saffer and Alex Okugawa discuss the recent Bitcoin euphoria, potential tax increases, and hyperinflation.
- [Fourth Quarter 2020 Investment Market Review](https://onedegreeadvisors.com/2021/01/fourth-quarter-2020-investment-market-review/) - Take a look at our Fourth Quarter 2020 Investment Market Review. Download our free PDF.
- [California Prop. 19: May Affect Your Children](https://onedegreeadvisors.com/2020/12/prop-19-do-you-have-appreciated-california-real-estate/) - California's Proposition 19, passed in November, has dramatically changed how you can leave or give California real estate to your children.
- [Investment Tax Forms & What To Expect](https://onedegreeadvisors.com/2021/01/investment-tax-forms-what-to-expect/) - For those who have to file tax returns, there’s a dizzying assortment of forms. Here are some common (IRS) tax forms you should know about.
- [Money Lessons To Teach Your Kids](https://onedegreeadvisors.com/2020/12/money-lessons-to-teach-your-kids/) - How can I better equip my children to handle money wisely? Let's discuss simple techniques you can use to raise money smart kids.
- [How to Protect Your Wealth: Avoiding Scams](https://onedegreeadvisors.com/2020/12/how-to-protect-your-wealth-avoiding-scams/) - Advancement of technology has lead to an increase in scams. You need to know how to protect your wealth. Let’s discuss a plan to protect yourself.
- [How to Invest During COVID: Should I Be Optimistic?](https://onedegreeadvisors.com/2020/12/how-to-invest-during-coronavirus-should-i-be-optimistic/) - Investing during Coronavirus. What do I need to do not just in the long term, but during times of uncertainty? Am I set up for Success?
- [Mitigate Taxes On Sneaky Mutual Fund Distributions](https://onedegreeadvisors.com/2020/12/how-to-lower-taxes-stealthy-mutual-fund-distributions-2/) - People don't often realize that mutual funds can release big distributions towards the end of the year, which is taxable income...
- [The Stock Market & The Presidential Elections](https://onedegreeadvisors.com/2020/11/the-stock-market-the-presidential-elections/) - The outcome of the presidential election, closer than most had predicted, appears to be headed for recounts and lawsuits.
- [How Should I Prepare My Portfolio for What's Next?](https://onedegreeadvisors.com/2020/11/how-should-i-prepare-my-portfolio-for-whats-next/) - 2020 has been a whirlwind for investors. Some investors can't wait to get in on the action while others are nervous for what is ahead.
- [Do I Need Long-term Care Insurance?](https://onedegreeadvisors.com/2020/12/health-risks-do-i-need-long-term-care-insurance/) - 52%: Is the percentage of people turning age 65 who will need some type of long-term care services in their lifetimes. What are my options?
- [Shutdowns When to Retire & More: Cut Through The Noise](https://onedegreeadvisors.com/2020/11/shutdowns-when-to-retire-more-cut-through-the-noise/) - Today we're going to be answering your questions that we've been hearing throughout the month along with what's happening around the world.
- [Business Owners Must Answer These Questions](https://onedegreeadvisors.com/2020/10/will-your-business-be-successful-4-questions-business-owners-need-to-answer/) - When you focus on driving the value of your business and making it go up it makes the timing of selling your business irrelevant.
- [What to Do With Your Cash in a Low Rate Environment](https://onedegreeadvisors.com/2020/10/navigating-low-yields-what-should-you-do-with-your-cash/) - Here we discuss the current economic environment, and how it should be considered with your strategy for holding cash.
- [5 Characteristics Successful Retirees Have](https://onedegreeadvisors.com/2020/10/what-characteristics-make-a-successful-retiree/) - In baseball, a “five-tool player” excels in all 5 major areas. Here we breakdown the 5 tools a successful retiree must exhibit.
- [Sitting in Cash: Should I Wait Out the Election?](https://onedegreeadvisors.com/2020/08/sitting-in-cash-should-i-wait-out-the-election/) - Sitting in cash cash can backfire and it becomes addictive. It also requires you to answer a big question: When do I get back in?
- [Third Quarter 2020 Investment Market Review](https://onedegreeadvisors.com/2020/10/third-quarter-2020-investment-market-review/) - Investors are best served by making decisions based on a preponderance of evidence. See the Third Quarter 2020 Investment Market Review.
- [Index Funds Market Volatility & More: Cut Through The Noise](https://onedegreeadvisors.com/2020/10/index-funds-diversification-and-more-cut-through-the-noise/) - On this weeks episode, we are going to answer common questions that we have been hearing throughout the month along with what is going on around the world.
- [Legacy Rocks!](https://onedegreeadvisors.com/2022/09/legacy-rocks/) - Remember, proactive planning is not just about your balance sheet — it’s your life, your family, and your values that matter!
- [Practically Speaking — Wealth Health](https://onedegreeadvisors.com/2016/01/practically-speaking-wealth-health/) - Witnessing the consequences of financial neglect compels me to promote wealth health to anyone who will listen.
- [Practically Speaking — Changes to Social Security](https://onedegreeadvisors.com/2016/02/practically-speaking-changes-to-social-security/) - Being proactive rather than reactive allows you to make the wisest decisions possible for you and your family.
- [Practically Speaking — The Sandwich Generation](https://onedegreeadvisors.com/2016/03/practically-speaking-the-sandwich-generation/) - Take time now to work on a flexible multi-generation plan. It will save stress, heartache, and expense in the years to come.
- [Practically Speaking — Sudden Wealth](https://onedegreeadvisors.com/2015/11/practically-speaking-sudden-wealth/) - While sudden wealth can be a blessing, without the proper framework, it has the potential to do as much harm as good.
- [Practically Speaking — Joy to the World](https://onedegreeadvisors.com/2015/12/practically-speaking-joy-to-the-world/) - The blessings we receive while shopping for each other bring us more joy than any gift we could buy each other.
- [Becoming a Wise Investor — Part 3 of 3](https://onedegreeadvisors.com/2015/10/becoming-a-wise-investor-part-3-of-3/) - I encourage you to proceed — not just with caution, but with great anticipation of the possibilities that await you on the other side!
- [Before you Pull the Trigger on Retirement](https://onedegreeadvisors.com/2015/10/before-you-pull-the-trigger-on-retirement/) - Here are share some common challenges we encounter as we help clients prepare for the important transition into retirement.
- [Raising Money Smart Children](https://onedegreeadvisors.com/2015/05/raising-money-smart-children/) - The way we handle money is more often than not greatly influenced by the money habits we learned growing up.
- [Becoming a Wise Investor — Part 1 of 3](https://onedegreeadvisors.com/2015/06/becoming-a-wise-investor-part-1-of-3/) - What is often missing is a basic understanding of how to build wealth prudently and make it grow effectively over time...
- [Becoming a Wise Investor — Part 2 of 3](https://onedegreeadvisors.com/2015/08/becoming-a-wise-investor-part-2-of-3/) - Remember that childhood admonition before you cross a street — stop, look, and listen? It is much the same for investing.
- [A Game Plan for 2015](https://onedegreeadvisors.com/2015/01/a-game-plan-for-2015/) - Make it your goal this year to address these areas, if you haven’t already, and you will be amazed at the results when December rolls around!
- [A Spending Plan](https://onedegreeadvisors.com/2015/01/spending-intentionally/) - A spending plan is neither restrictive nor burdensome, but rather a friend that can help you live life intentionally and fully
- [Keep the Woe, Woe, Woe Out of your Ho, Ho, Ho](https://onedegreeadvisors.com/2015/01/keep-the-woe-woe-woe-out-of-your-ho-ho-ho/) - I’m hoping to offer you a few simple antidotes for your money woes with the hope it may help keep you centered on the wonder of Christmas
- [Social Security: Should I Take Benefits While Working?](https://onedegreeadvisors.com/2020/09/social-security-benefits-while-working/) - Should I take my retirement benefits early in order to take advantage of the program, given the uncertain future of Social Security?
- [Leaving a Legacy of Love](https://onedegreeadvisors.com/2015/01/leaving-a-legacy-of-love/) - Experience has taught us a few valuable lessons we’d like to communicate that might help prevent unintentional family conflict.
- [Radical Generosity](https://onedegreeadvisors.com/2015/01/radical-generosity/) - Radical generosity isn’t measured just by the size of the gift but by the motivation of the heart as well.
- [4 Keys: Avoid letting fear and greed drive your decision-making](https://onedegreeadvisors.com/2020/09/4-keys-avoid-letting-fear-and-greed-drive-your-decision-making/) - It is commonly said that fear and greed drive the stock market, but you should avoid letting fear and greed drive your decision-making.
- [Selecting a Financial Professional](https://onedegreeadvisors.com/2015/01/selecting-a-financial-professional/) - Several fundamentals should be at the core of every professional relationship you consider. These include:
- [The Power of ONE](https://onedegreeadvisors.com/2015/01/the-power-of-one/) - There are 360 degrees and every one of them matters. Pick just “one degree” today that will focus your financial life on long term impact.
- [Empowering Women](https://onedegreeadvisors.com/2015/01/empowering-women/) - With women earning more, inheriting more, and controlling more, it's important to be prepared for the responsibility of wealth management.
- [The Power of Possessions](https://onedegreeadvisors.com/2015/01/the-power-of-possessions/) - People experience great joy when living out stewardship principles and it is compounded when we learn how to maximize that impact.
- [The Power of Contentment](https://onedegreeadvisors.com/2015/01/the-power-of-contentment/) - Paying attention to these three things can ultimately produce both internal satisfaction and external outcomes we value.
- [Avoid the Use of Debt](https://onedegreeadvisors.com/2015/01/avoid-the-use-of-debt/) - Reducing or eliminating debt can truly be an exciting journey with benefits on so many levels! So take a deep breath and jump right in.
- [An Alternative to Budgeting: A Proven And Sustainable Framework for Success](https://onedegreeadvisors.com/2020/09/alternative-to-budgeting/) - As an Alternative to Budgeting, the Live, Give, Owe, Grow exercise puts you in control and can help you pursue financial success
- [The Power of Planning](https://onedegreeadvisors.com/2015/01/the-power-of-planning/) - Meaningful life planning is a Power Up tool that can get your new year off to the right start. Let's power Up our financial lives!
- [The Power of a Paradigm Shift](https://onedegreeadvisors.com/2015/01/the-power-of-a-paradigm-shift/) - I have been encouraged by a number of positive changes that I have observed the past several years. Here are 10 positive paradigm shifts:
- [The Challenge of Successfully Investing in a Pandemic](https://onedegreeadvisors.com/2020/02/the-challenge-of-successfully-investing-in-a-pandemic/) - Over the recent week, the stock market has dropped swiftly attributed to concerns over the spread of the Coronavirus (Covid-19)....
- [4 Ways to Be Successful During Difficult Times](https://onedegreeadvisors.com/2020/03/how-to-be-successful-during-difficult-times/) - Looking at life through a historical lens, here is the truth: We will get through this.
- [Maximize Your Giving and Minimize Taxes](https://onedegreeadvisors.com/2019/11/a-strategy-to-maximize-your-giving-and-minimize-taxes/) - Those who are generous often choose to give by opening their checkbook, but they are often unaware of ways to give that could further their tax benefits as well.
- [How Charitable Stacking Can Benefit You](https://onedegreeadvisors.com/2019/11/how-charitable-stacking-can-benefit-you/) - All too often we find people with charitable hearts losing out on thousands of dollars each year. Careful planning is required to maximize your giving and tax deductions.
- [How to Create a Family Legacy](https://onedegreeadvisors.com/2019/10/how-to-record-your-story-and-create-a-family-legacy/) - Creating your family legacy is so much more than money. A truly meaningful legacy is cultivated from a lifetime of relationships, accomplishments, traditions and values.
- [Can You Actually Time The Stock Market?](https://onedegreeadvisors.com/2019/07/timing-the-stock-market/) - Not only is getting the timing right incredibly difficult, but you must do it twice! Once to get out of the market and another to get back in.
- [The Dog Years of International Stocks](https://onedegreeadvisors.com/2019/05/the-dog-years-of-international-stocks/) - Throughout 2019 the US stock market has outperformed the aggregate International stock market. Is this the dog years of international stocks?
- [Do Your Giving While You’re Living](https://onedegreeadvisors.com/2019/05/do-your-giving-while-youre-living/) - Legacy is commonly handled by simply listing beneficiaries in a Trust or Will without consideration to the next generation’s preparedness for wealth. ...
- [2018 Year-End Planning Strategies](https://onedegreeadvisors.com/2018/12/year-end-planning-strategies/) - We can’t predict future market direction, we focus our energy on year-end tax planning. Here are some Year-End Planning Strategies for 2018
- [Tune out the Noise](https://onedegreeadvisors.com/2019/01/tune-out-the-noise/) - When faced with short-term noise, it is easy to lose sight of the potential long-term benefits of staying invested.
- [Preparing for Aging](https://onedegreeadvisors.com/2019/03/preparing-for-aging/) - People tend to avoid conversations around aging because it is understandably uncertain and uncomfortable. Here's how to Preparing for Aging.
- [Prepare for Lasting Family Wealth](https://onedegreeadvisors.com/2018/08/prepare-for-lasting-family-wealth/) - Inherited wealth is typically gone by the third generation. A proactive Legacy Plan can help alter this course.
- [Should Stock Market Volatility Concern you?](https://onedegreeadvisors.com/2018/09/should-volatility-concern-you/) - The year 2018, including recent weeks, has experienced more volatility than the remarkably calm and growthful 2017. Should this concern you? We don’t believe so.
- [Tips for Successful Investing](https://onedegreeadvisors.com/2018/05/tips-for-successful-investing/) - Every investor wants to be successful but many will struggle because of bad habits, alluring narratives and misconceptions.
- [What Has Happened so Far in 2018](https://onedegreeadvisors.com/2018/07/what-has-happened-so-far-in-2018/) - Coming off a historically “smooth ride up” in 2017, the first half of 2018 can best be described as “choppy.”
- [When to Update Your Home Insurance](https://onedegreeadvisors.com/2018/07/when-to-update-your-home-insurance/) - As a protection for you, your belongings, and your loved ones, it’s important that you know when to update your home insurance.
- [Focus on What You Can Control](https://onedegreeadvisors.com/2018/03/focus-on-what-you-can-control/) - Focus on What You Can Control. Much of the future is uncontrollable, which can create unnecessary stress in our lives.
- [Next Steps After Filing Taxes](https://onedegreeadvisors.com/2018/04/next-steps-after-filing-taxes/) - Next Steps After Filing Taxes. Every year people fall into two different camps when filing: those who owe and those who receive a refund.
- [What Rising Interest Rates Mean for Investors](https://onedegreeadvisors.com/2018/05/what-rising-interest-rates-mean-for-investors/) - News is buzzing with fear of rising interest rates and its impact on the US economy.
- [Market Volatility is an Investment Reality](https://onedegreeadvisors.com/2018/02/market-volatility-an-investment-reality/) - Market drops can create anxiety, but, adjustments like this are healthy over the long run. Market volatility is reality
- [Tax Cuts and Jobs Act: What Does Tax Reform Mean for You?](https://onedegreeadvisors.com/2017/12/tax-cuts-and-jobs-act-what-does-tax-reform-mean-for-you/) - Tax Cuts and Jobs Act: What Does Tax Reform Mean for You? Here are a few detailed resources that you might find helpful.
- [Giving RMD's Directly to Charity](https://onedegreeadvisors.com/2018/01/giving-mandatory-ira-distributions-directly-to-charity/) - As the professional world digests the new laws and the IRS continues clarifying those gray areas, what people really want to know is how they can start preparing and adjust current plans to save taxes.
- [An Inheritance that Unites Rather than Divides](https://onedegreeadvisors.com/2017/09/an-inheritance-that-unites-rather-than-divides/) - With inheritance, even for the closest of families, lack of planning can create arguments and tension between those you love
- [Why a Family Meeting Makes Sense for Any Family](https://onedegreeadvisors.com/2017/10/why-a-family-meeting-makes-sense-for-any-family/) - Wealth presents wonderful opportunities but can become a mixed blessing if family communication is poor.
- [Do You Desire for Your Children to Be Generous?](https://onedegreeadvisors.com/2017/11/do-you-desire-for-your-children-to-be-generous/) - It’s a parent’s goal for their children to grow up to be good, decent people who care for others.
- [Spousal Unity with Money](https://onedegreeadvisors.com/2017/08/spousal-unity-with-money/) - Spouses with financial unity have a healthier, more productive marriage. When the two can agree upon their common goals for the future they are more easily accomplished to make life better!
- [Teach children the value of money](https://onedegreeadvisors.com/2017/05/teach-children-the-value-of-money/) - Money education however, can be fun, simple and effective! Here are some ideas to guide your children with money:
- [2 Things You Can Do to Prepare For Long-term Care](https://onedegreeadvisors.com/2017/06/long-term-care-preparation/) - These long-term care events have the potential to negatively impact our finances, put stress on our family and friends, and make the future unclear.
- [A Biblical Perspective of Sudden Wealth](https://onedegreeadvisors.com/2015/12/a-biblical-perspective-of-sudden-wealth/) - Sudden wealth can be a blessing when handled wisely, but it also has potential to cause great harm.
- [Wisdom before Wealth Brings Success](https://onedegreeadvisors.com/2017/04/wisdom-before-wealth-brings-success/) - We may not all be the Rockefellers, but passing our overflow to the next generation or even generations, rings success!
- [Will the Slow Growth Bumpy Ride Continue?](https://onedegreeadvisors.com/2015/11/will-the-slow-growth-bumpy-ride-continue/) - We wanted to briefly address the current investment environment, which is characterized by unspectacular returns and increasing volatility.
- [Changes to Social Security](https://onedegreeadvisors.com/2015/11/changes-to-social-security-2015/) - Many of you have heard about recent changes to Social Security that came from the Federal Bipartisan Budget Act of 2015....
- [Tesla Stock Splits & More: Cut Through The Noise](https://onedegreeadvisors.com/2020/09/tesla-stock-splits-and-more/) - Welcome to our first episode of Cut Through the Noise, where Anthony Saffer and Alex Okugawa tackle the hottest topics in financial markets and life.
- [Second Quarter 2020 Investment Market Review](https://onedegreeadvisors.com/2020/07/second-quarter-2020-investment-market-review/) - Recessions understandably trigger worries over how markets might perform. See the Second Quarter 2020 Investment Market Review.
- [What Do Low Interest Rates Mean for My Retirement?](https://onedegreeadvisors.com/2020/08/what-do-low-interest-rates-mean-for-my-retirement/) - Mortgage rates are at historically low levels and borrowing money is relatively cheap. However, a retiree typically has less debt and more saved in conservative investments such as bonds.
- [What Does a Stock Market "All Time High" NOT Mean?](https://onedegreeadvisors.com/2020/08/market-all-time-highs/) - With the market at an all-time high, knowing what this does not mean is vitally important. Here are 3 things to consider:
- [How Do Low Interest Rates Affect Retirement?](https://onedegreeadvisors.com/2020/09/how-do-low-interest-rates-affect-retirement/) - Interest rates have an impact, especially when we're talking about retirement planning, thus having the right plan is essential.
- [Which Documents to Keep & For How Long?](https://onedegreeadvisors.com/2015/01/what-documents-you-should-keep/) - The search for documents that are hard to find can cause untold frustration. Here we will go over what documents to keep & for how long...
- [The Essential Components of a Financial Plan](https://onedegreeadvisors.com/2020/02/the-essential-components-of-a-financial-plan/) - You need a financial plan to help you make the best decisions you can for today and ensure that’s the case tomorrow and the next day as well.
- [10 Minutes a Day Is All It Takes](https://onedegreeadvisors.com/2019/08/ten-minutes-a-day-may-be-all-it-takes/) - 10 minutes a day is all it takes to address these four key areas: spiritual, academic, skill-building, and service-oriented growth.
- [How Can Gratitude Help You Prosper?](https://onedegreeadvisors.com/2019/11/how-can-gratitude-help-you-prosper-2/) - Being grateful is so much more than just being nice or simply the right thing to do. It can be the foundation of contentment, fulfillment and purpose.
- [What I’ve Learned from Teaching Money Management to a Disorganized Teen](https://onedegreeadvisors.com/2019/02/what-ive-learned-from-teaching-money-management-to-a-disorganized-teen/) - Teaching healthy money practices to your kids is not about hearing the correct answers from them or manufacturing the desired result.
- [4 Things I’ve learned after 20 years as a financial advisor](https://onedegreeadvisors.com/2019/09/4-things-ive-learned-after-20-years-as-a-financial-advisor/) - Here are 4 Things I’ve learned after 20 years as a financial advisor. These points are simply takeaways from years in the financial industry.
- [Money Smart Families Begin at Home](https://onedegreeadvisors.com/2019/08/money-smart-families-begin-at-home/) - We sincerely believe that passing wisdom before passing wealth to the next generation helps minimize the potential harmful effects of money and instead can be a powerful source of positive impact.
- [Four Keys to Overcoming Anxiety about Money](https://onedegreeadvisors.com/2018/05/four-keys-to-overcoming-anxiety-about-money/) - Four Keys to Overcoming Anxiety about Money. People want this question answered more than any other when it comes to planning their finances.
- [Why the dollar amount of bonds in your investment portfolio matters](https://onedegreeadvisors.com/2018/11/why-the-dollar-amount-of-bonds-in-your-investment-portfolio-matters/) - Here is why the dollar amount of bonds in your investment portfolio matters for retirees taking income from their investment portfolio.
- [Should you own International Stocks?](https://onedegreeadvisors.com/2018/09/should-you-own-international-stocks/) - Spreading out your risk is a wise principle and may help you sleep better at night. Should you own international stocks?
- [6 Financial Things College Students Should Do](https://onedegreeadvisors.com/2018/04/6-financial-things-college-students-should-do/) - If I was in college today and bombarded with the amount of information and opinions of this era, here are six things I would focus on...
- [Three keys to deflect questionable financial advice](https://onedegreeadvisors.com/2018/06/three-keys-to-deflect-questionable-financial-advice/) - With unlimited information, it is easy to get lost in the noise. Anyone can talk about sports, finances, or politics, here are three tips...
- [Should Pastors opt out of Social Security?](https://onedegreeadvisors.com/2018/03/should-pastors-opt-out-of-social-security/) - Should Pastors opt out of Social Security? We all make the best decisions we can at the time and must simply move forward.
- [Value Investing: Will Big, Growth Companies Continue to Dominate?](https://onedegreeadvisors.com/2020/07/value-investing-will-big-growth-companies-continue-to-dominate/) - With the extraordinary performance of a handful of tech-giants, it leads many investors to wonder if we should expect these stocks to continue such strong performance going forward.
- [My 9 year old is in debt and I’m loving it](https://onedegreeadvisors.com/2018/12/my-nine-year-old-is-in-debt-and-im-loving-it/) - Teaching my 9 year old (who is in debt) lessons and principles on money management and the value of hard work and I'm loving it.
- [Why a Family Vacation is Worth It](https://onedegreeadvisors.com/2017/06/why-a-family-vacation-is-worth-it/) - Why a Family Vacation is Worth It. Your family deserves your best — not “perfect you,” just you and your undistracted attention.
- [Student Loans: Finding a better way](https://onedegreeadvisors.com/2017/10/student-loans-finding-a-better-way/) - It’s no secret that student loan debt is out of control. Maybe you are strapped by student loans or have been there before.
- [Overcome the Fear of Giving to Make an Impact](https://onedegreeadvisors.com/2017/10/overcome-the-fear-of-giving-to-make-an-impact/) - Once you can move past the fear of parting with money, you will have the joy of seeing the compounding impact of charitable dollars at work.
- [The Dangers of Settling for Security](https://onedegreeadvisors.com/2017/02/the-dangers-of-settling-for-security/) - People want the certainty that they will always have enough money to meet their needs. That may sound reasonable, responsible, and even honorable....
- [More Income but Less Money?](https://onedegreeadvisors.com/2017/03/more-income-less-money/) - Whether “lifestyle creep” is something you need to address now or be on the lookout for later, be mindful and purposeful in managing your finances…
- [Riding the Trump Rally](https://onedegreeadvisors.com/2017/04/riding-the-trump-rally/) - Riding the ‘Trump Rally’. Markets might benefit here and there from a spirit of confidence, but largely have a mind of their own.
- [Sorting Financial Fact from Fiction](https://onedegreeadvisors.com/2017/04/sorting-financial-fact-from-fiction/) - Financial wisdom is not about privileged information, superior intelligence, or absorbing more news, but rather aligning your decisions with sound principles…
- [Is your family set up to succeed or fail?](https://onedegreeadvisors.com/2017/04/is-your-family-set-up-to-succeed-or-fail/) - We may not be the Rockefellers, but passing our overflow to the next generation or even generations, rings of success!
- [Teaching Money Management to a Disorganized Teen](https://onedegreeadvisors.com/2017/07/teaching-money-management-to-a-disorganized-teen/) - Whether it is disorganization or other traits your teen naturally faces regarding money (selfishness, ignorance, procrastination), these are correctable with good habits and simple guidance.
- [Overcome the Anxiousness of Work](https://onedegreeadvisors.com/2016/03/overcome-the-anxiousness-of-work/) - Working more hours doesn’t necessarily make you better at your craft. Work with purpose as a wise steward of the time God gives you.
- [Maximize your Impact!](https://onedegreeadvisors.com/2016/12/maximize-your-impact/) - Although the New Year may seem far away, let me plant a seed for a great resolution. Take the next step in your generosity journey to maximumize your impact.
- [Why I Tithe to My Church](https://onedegreeadvisors.com/2017/11/why-i-tithe-to-my-church/) - Tithing is the consistent foundation of our giving but is only the start. We give above that as we are able and hope to further grow in generosity. I hope you’ll take a fresh look.
- [Thriving in a Babylon Culture](https://onedegreeadvisors.com/2016/11/thriving-in-a-babylon-culture/) - Money is not evil. Loving it is. So as you make money, do so with integrity while building others up instead of tearing them down.
- [Is Your Investment Plan Working?](https://onedegreeadvisors.com/2016/02/investment-plan-stock-market/) - You may be noticing this on your statements. If you haven’t, that may not be a bad thing, and I’ll explain why later.
- [7 Questions to Wisely Grow Finances](https://onedegreeadvisors.com/2016/05/7-questions-to-wisely-grow-finances/) - Our culture (especially the younger generation) might be scarred by the recent Great Recession and is looking to government as its savior.
- [The Cleveland Browns have been consistently bad for the last sixteen years](https://onedegreeadvisors.com/2016/06/the-cleveland-browns-have-been-consistently-bad-for-the-last-sixteen-years/) - Football teams have consistent systems for acquiring players, releasing players, and focusing on the fundamentals. Financial success is similarly attained.
- [The Election and the Stock Market](https://onedegreeadvisors.com/2016/09/the-election-and-the-stock-market/) - No one can know the future, but you can know that you have more influence on your own financial future than the next President.
- [Live, Give, Owe, Grow](https://onedegreeadvisors.com/2016/04/live-give-owe-grow/) - Over time, if we spend less than we earn, we can pursue financial success. Inherent in this principle is sending our money to the right places.
- [4 Things Every Young Person Should Learn About Life With Money](https://onedegreeadvisors.com/2016/09/4-things-every-young-person-should-learn-about-life-with-money/) - Advancement is multiplied and productivity is boundless (if harnessed wisely that is). However, much goes into a properly functioning and thriving society.
- [Don’t Let These Years Casually Pass](https://onedegreeadvisors.com/2015/01/dont-let-these-years-casually-pass/) - The objective is to find the best plan, based on the unique circumstances of each family, to prioritize an education centered on God’s truth.
- [What is the Real Treasure?](https://onedegreeadvisors.com/2015/01/what-is-the-real-treasure/) - We are to act faithfully as stewards of all that He has entrusted to us.
- [The Deceitfulness of Wealth](https://onedegreeadvisors.com/2015/11/the-deceitfulness-of-wealth/) - Wealth is a resource that can be used for good, but it can come and go. Discover your purpose and what eternally matters….
- [Is it Time for Another Recession?](https://onedegreeadvisors.com/2015/01/is-it-time-for-another-recession/) - Another recession will come, and we don’t know when. We shouldn’t be surprised; we should be prepared. God’s Word outlines how to do just that.
- [What do you have that you did not receive?](https://onedegreeadvisors.com/2015/05/what-do-you-have-that-you-did-not-receive/) - Acknowledging that everything we have is received from God, instead of asserting our own superiority, is much more beneficial as shown by these four underlying truths:
- [Mortgage-Free in Retirement?](https://onedegreeadvisors.com/2015/08/mortgage-free-in-retirement/) - Let’s evaluate five factors that play into your decision to either pay off your mortgage or maintain it.
- [Don’t Forget to Save for College](https://onedegreeadvisors.com/2015/05/dont-forget-to-save-for-college/) - In this column, I want to focus on the benefits and restrictions of investing into education-specific plans such as 529 College Savings Plans.
- [Overcome Obstacles to Generosity](https://onedegreeadvisors.com/2015/12/overcome-obstacles-to-generosity/) - Putting generosity into action requires initial steps — even small ones.
- [The Plans of the Diligent](https://onedegreeadvisors.com/2015/01/the-plans-of-the-diligent/) - Today’s world, with unlimited information on every desk and in every pocket, features constant distractions. But, diligence leads to advantage.
- [Shemitah Years & Blood Moons, Oh My!](https://onedegreeadvisors.com/2015/05/shemitah-years-blood-moons-oh-my/) - If you are basing your decisions on fear or rumor, be diligent to check for truth. Open the word of God and see for yourself….
- [Accomplishing Goals By Creating a Painless Budget You Can Stick To](https://onedegreeadvisors.com/2017/11/accomplishing-goals-by-creating-a-painless-budget-you-can-stick-to/) - Unless money is given a specific purpose, it will be spent on increasing standards of living, typically outpacing what is earned each month.
- [Should you pay off your mortgage for retirement?](https://onedegreeadvisors.com/2020/07/should-you-pay-off-your-mortgage-for-retirement/) - Because mortgage interest is generally tax-deductible and interest rates are currently low, some believe that a homeowner should extend a mortgage as long as possible. So, should you pay off your mortgage for retirement? Here's what you should consider:
- [Giving Mandatory IRA Distributions to Charity](https://onedegreeadvisors.com/2018/01/giving-mandatory-ira-distributions-directly-to-charity-2/) - Giving Mandatory IRA Distributions Directly to Charity.Give tax-free, allowing you to maximize giving or potentially put more in your pocket.
- [Considering the Proper Inflation Rate When Planning](https://onedegreeadvisors.com/2017/11/considering-the-proper-inflation-rate-when-planning/) - Consider this: In 1948 a cheeseburger at In-In-Out was 30 cents. Nowadays that same cheeseburger costs $2.45, a 717% increase!
- [Volatility. Just What the Doctor Ordered](https://onedegreeadvisors.com/2018/12/volatilityjust-what-the-doctor-ordered/) - Volatility. Just what the doctor ordered. Although volatility is normal it doesn’t make it any easier. But it checks us back to reality.
- [Unexpected Expenses and Worry](https://onedegreeadvisors.com/2018/04/unexpected-expenses-and-worry/) - With the key in the ignition, I turn it over only to hear that dreaded sound…
- [Why the Price of Bitcoin Has Escalated so Quickly](https://onedegreeadvisors.com/2018/01/why-the-price-of-bitcoin-has-escalated-so-quickly/) - Media and social hype should not be a reason to buy (or sell) an investment. However, understanding social behavior surrounding Bitcoin can make us better long-term investors.
- [Time to Go to Cash?](https://onedegreeadvisors.com/2018/12/time-to-go-to-cash/) - Time to Go to Cash? If you believe the market is going to crash there are a few things you can do to protect yourself.
- [Blinded by the Past](https://onedegreeadvisors.com/2019/06/blinded-by-the-past/) - Recency bias is a flaw in all humans. People are blinded by the past and are more likely to recall recent events than they do past events.
- [Financial Advice for Elyse](https://onedegreeadvisors.com/2019/06/financial-advice-for-elyse/) - For now, she has three main functions: sleep, eat, and poop. But that won’t last forever. Financial adivce for my newborn daughter Elyse.
- [Inverted Yield Curve: What it means for investors](https://onedegreeadvisors.com/2019/09/what-an-inverted-yield-curve-means-for-investors/) - So, when news breaks that the bond market, in the most reliable government in the world is out of whack, it concerns people. This recently happened.
- [Tips for the Young Investor’s 401k](https://onedegreeadvisors.com/2019/08/tips-for-the-young-investors-401k/) - Neglecting the importance of asset allocation, savings rates, and choosing between Traditional or Roth contributions can impact your future considerably.
- [How Successful People Make Decisions](https://onedegreeadvisors.com/2019/07/successful-decision-making/) - How successful people make decisions. Those who correctly and effectively take action are the ones who ultimately succeed.
- [Real Estate vs. Stocks: Which is better?](https://onedegreeadvisors.com/2020/07/real-estate-versus-stocks/) - Here are the "Pros and Con"s of real estate and stock investing and how to invest in order to grow your wealth and generate income down the road.
- [How Discipline Can Improve Your Life](https://onedegreeadvisors.com/2019/10/how-discipline-can-improve-your-life/) - Discipline is arguably the most powerful tool at your disposal to tackle life’s challenges and achieve greatness.
- [Investment Strategy Basics: How to think about portfolio construction](https://onedegreeadvisors.com/2020/06/investment-strategy-basics-how-to-think-about-portfolio-construction/) - Perhaps you see the S&P 500 has dropped 2% and think to yourself, “Oh no, my portfolio has dropped 2%!”
- [12 Financial Things You Can Control](https://onedegreeadvisors.com/2022/10/12-financial-things-you-can-control/) - Here I will show you 12 financial things you can control in your financial and investment plan and other things you should let go of.
- [Coronavirus and the Stock Market](https://onedegreeadvisors.com/2020/03/coronavirus-and-the-markets/) - The stock market has dropped swiftly attributed to concerns over the spread of the Coronavirus (Covid-19).
- [The CARES Act: 6 Things to Know For Individuals](https://onedegreeadvisors.com/2020/04/top-things-to-know-about-the-cares-act-for-individuals/) - The legislation is aimed at providing relief for individuals and businesses that have been greatly impacted by COVID-19.
- [What Will the Stock Market Do This Week?](https://onedegreeadvisors.com/2020/05/what-will-the-stock-market-do-this-week/) - Recent weeks, following the fastest bear market in history
- [IRA or 401k Can I Contribute to Both in the Same Year?](https://onedegreeadvisors.com/2019/11/ira-or-401k-can-i-contribute-to-both-in-the-same-year/) - Updated to reflect new figures and limitations in 2020. Here are three important considerations when determining if you should invest outside of your retirement plan at work.
- [How Much Can I Spend in Retirement with a $2.7M Portfolio](https://onedegreeadvisors.com/2025/04/retirement-plan-for-a-2m-portfolio-2/) - Even with $2M saved, retirement isn’t guaranteed. A real plan ties together spending, taxes, and strategy so you can retire with confidence.
- [First Quarter 2025 Investment Market Review](https://onedegreeadvisors.com/2025/04/first-quarter-2025-investment-market-review-2-2/) - Take a look at our fourth quarter 2024 Investment Market Review. Download our free PDF.

## Pages

- [](https://onedegreeadvisors.com/) - We help you maximize your return on life. Financial advisors for those that want the best life possible with the money they have.
- [Careers](https://onedegreeadvisors.com/careers/) - Join Our Mission We're not just building a firm. We're building a movement—toward better advice, deeper relationships, and lasting impact. That starts with great people. Current Openings Why Join OneDegree? Employee benefits: 401(k) + match + profit sharing. Incentive pay/bonuses: Quarterly performance bonuses & incentives. Health benefits: Health insurance subsidy, group disability insurance plan, free
- [Here's what to expect!](https://onedegreeadvisors.com/heres-what-to-expect/) - DISCLOSURE About One Degree We help families cut through the noise to make confident financial decisions. We understand that finances touch every area of your life and that your financial decisions should be in alignment with your family’s values. We appreciate your unique priorities and will build a customized plan to help you make an
- [Let's See If We Are a Fit](https://onedegreeadvisors.com/schedule/)
- [Let's Talk](https://onedegreeadvisors.com/lets-talk/) - See if we are a match for your needs. Usually 20 mins or so, just to get to know each other a little. If we are a match, we move forward to the next meeting. If not, we send you on your way with some helpful resources. Read Reviews Testimonials displayed on this site have
- [Family Wealth](https://onedegreeadvisors.com/family-wealth/) - Family Wealth Align your family’s wealth with purpose. Advanced wealth stewardship paired with structured generational planning, guiding families toward clarity, cohesion, and long-term continuity. This Testimonial was provided by an active client of One Degree Advisors. Individual experiences may vary. No compensation was provided for this testimonial. Maximize your return on life, all aspects working
- [Financial Planners San Diego Team](https://onedegreeadvisors.com/team/) - Meet our San Diego financial planning team committed to guiding you with personalized and values-based wealth management.
- [Frequently asked questions.](https://onedegreeadvisors.com/faq/) - You have questions, we have answers. Who We Work With Who is One Degree designed for? We work with thoughtful, disciplined individuals and families who are approaching or navigating retirement. Many built their wealth as business owners, executives, or high-earning professionals and now want clarity around what their wealth can support. At this stage, the
- [Investment Philosophy of One Degree](https://onedegreeadvisors.com/investment-philosophy/) - Investment Philosophy At One Degree Advisors, we believe money should be a tool to help you live the life you want, not something that controls you. For people nearing or in retirement, investing isn’t solely about chasing the highest return. It’s about protecting your lifestyle, making sure income is dependable, and leaving a legacy that
- [Process](https://onedegreeadvisors.com/process/) - By your side to keep you on course. Our Compass System is a multi-step process with a singular purpose: your best interest. TO START Intro Call – See if we are a match foryour needs. LET'S TALK We Get To Know Your Financial Details You provide statements, tax return, goals, priorities, etc. MEETING 01 We discuss
- [Family Legacy Planning](https://onedegreeadvisors.com/family-legacy-planning/) - Every family ends up somewhere. Few end up somewhere on purpose. The Somewhere On Purpose newsletter is a weekly email designed to help your family grow in trust, communicate with clarity, and live out your values across generations.Enter your email and sign up for free right now. Roadmap for thriving families Read Reviews DISCLOSURE
- [Investment Philosophy of One Degree](https://onedegreeadvisors.com/investment-philosophy2/) - Developing and Sustaining aSuccessful Investment Plan Executive Summary At One Degree Advisors, we believe investing is most successful when it's rooted in purpose, guided by a disciplined process, and aligned with what our clients value most. For those nearing or in retirement, investing isn’t just about chasing returns. It’s about protecting your lifestyle, generating reliable
- [Thank you for confirming](https://onedegreeadvisors.com/thank-you-confirming/) - Thank you for confirming You can now close this webpage
- [Disclosure](https://onedegreeadvisors.com/disclosure/) - Disclosure One Degree Advisors Website & Content DisclosureOne Degree Advisors, Inc. (“One Degree Advisors”) is an SEC-registered investment advisor. Registration does not imply a certain level of skill or training.This website is intended for residents of the United States only. The content presented is for informational purposes only and should not be construed as a
- [Press](https://onedegreeadvisors.com/press/) - FEATURED ALL
- [How Much Can I Expect To Spend In Retirement - Video Lesson](https://onedegreeadvisors.com/how-much-can-i-expect-to-spend-video-lesson/) - About One Degree We help families cut through the noise to make confident financial decisions. We understand that finances touch every area of your life and that your financial decisions should be in alignment with your family’s values. We appreciate your unique priorities and will build a customized plan to help you make an impact.
- [Thank you - Subscription](https://onedegreeadvisors.com/thank-you-subscription/) - You’re almost there… We just sent you an email to confirm you are a real-life person!

## Press Items

- [What Does Tithing Look Like in Retirement? with Anthony Saffer](https://onedegreeadvisors.com/media-press/what-does-tithing-look-like-in-retirement-with-anthony-saffer/) - Faith Fi: Faith & Finance | June 18, 2026 Click Here to Listen
- [Building a Family Legacy That Lasts with Jan Thompson](https://onedegreeadvisors.com/media-press/building-a-family-legacy-that-lasts-with-jan-thompson/) - FaithFi: Faith & Finance | Jul 1, 2025 Click here to Listen
- [One Degree Advisors Named “Best Financial Advisors in San Diego” by Expertise.com](https://onedegreeadvisors.com/media-press/one-degree-advisors-named-best-financial-advisor-in-san-diego-by-expertise-com/) - April 11th, 2023. One Degree Advisors was named one of the “Best Financial Advisors in San Diego” by Expertise.com . See full list on Expertise.com by clicking here. Expertise scored the Best Financial Advisors in San Diego on more than 25 variables across five categories and analyzed the results to give you a hand-picked list of the
- [Named “Best Financial Advisor in San Diego” by Expertise.com](https://onedegreeadvisors.com/media-press/best-financial-advisors-in-san-diego-expertise-com/) - One Degree Advisors was named one of the “Best Financial Advisors in San Diego” by Expertise.com. Expertise scored the Best Financial Advisors in San Diego on more than 25 variables across five categories and analyzed the results to give you a hand-picked list of the best: Availability. Consistently approachable and responsive, so customers never feel ignored. Qualifications.
- [Retirement Plans For Federal Employees with Alex Okugawa](https://onedegreeadvisors.com/media-press/retirement-plans-for-federal-employees-with-alex-okugawa/)
- [Smart Spending In Retirement with Matt Calcagno](https://onedegreeadvisors.com/media-press/smart-spending-in-retirement-with-matt-calcagno/)
- [Expert Insight on Maximizing Military Retirement and Benefits with Philip Reuer](https://onedegreeadvisors.com/media-press/expert-insight-on-maximizing-military-retirement-and-benefits-with-philip-reuer/)
- [The Wellbeing Advantage: Can Faith-Integration Contribute to an Advisor’s Wellbeing? with Anthony Saffer](https://onedegreeadvisors.com/media-press/the-wellbeing-advantage-can-faith-integration-contribute-to-an-advisors-wellbeing-with-anthony-saffer/)
- [Expert Insight on Retirement Savings with Anthony Saffer](https://onedegreeadvisors.com/media-press/expert-insight-on-retirement-savings-with-anthony-saffer/)
- [Expert Insight on Retirement Savings with Alex Okugawa CFP, CKA, CEPA](https://onedegreeadvisors.com/media-press/expert-insight-on-retirement-savings-with-alex-okugawa-cfp-cka-cepa/)
- [Ep.13 Being a Financially Savvy Female - Janice Thompson](https://onedegreeadvisors.com/media-press/ep-13-being-a-financially-savvy-female-janice-thompson/)
- [The Social Security Guide With Alex Okugawa](https://onedegreeadvisors.com/media-press/the-social-security-guide-with-alex-okugawa/)
- [The 401(k): Retirement Fund Basics With Alex Okugawa](https://onedegreeadvisors.com/media-press/the-401k-retirement-fund-basics-with-alex-okugawa/)
- [Expert Insights On Early Retirement Savings with Matt Calcagno](https://onedegreeadvisors.com/media-press/expert-insights-on-early-retirement-savings-with-matt-calcagno/)
- [Expert Insight on Donor-Advised Funds with Anthony Saffer](https://onedegreeadvisors.com/media-press/expert-insight-on-donor-advised-funds-with-anthony-saffer/)
- [Expert Advice on Giving Your Child a Card with Anthony Saffer](https://onedegreeadvisors.com/media-press/expert-advice-on-giving-your-child-a-card-with-anthony-saffer/)
- [How To Tithe In Retirement With Anthony Saffer](https://onedegreeadvisors.com/media-press/how-to-tithe-in-retirement-with-anthony-saffer/) - Tithing is fairly simple in your working years. Your only decision is whether to tithe on your net or gross income. But tithing becomes a bit more complicated after you retire. On today's Faith & Finance Live, host Rob West will talk with Anthony Saffer about how to tithe in retirement. Twitter: @faithfiofficial Facebook: @faithfiofficial
- [Expert Insight on Compound Interest](https://onedegreeadvisors.com/media-press/expert-insight-on-compound-interest/)
- [One Degree Advisors Named Winner of the "Retirement Planning Awards 2022" by Wealth & Finance News](https://onedegreeadvisors.com/media-press/best-financial-planning-investment-solutions-2022-san-diego-wealth-finance-news/) - April, 2022. One Degree Advisors is named as a winner of the retirement planning awards for 2022 by Wealthandfinancenews.com. About the award: "Candidates for the Retirement Planning Awards will include the entire spectrum of contributors to the pensions and retirement field. From the financial advisors who bring consumers reassurance and empowerment, to the pension plan
- [Inflation: An Opportunity to Praise or Panic, with Jan Thompson and Crystal Paine](https://onedegreeadvisors.com/media-press/inflation-an-opportunity-to-praise-or-panic-with-jan-thompson-and-crystal-paine/)
- [Expert Insights: Should You Invest in Cryptocurrencies or the Stock Market?](https://onedegreeadvisors.com/media-press/expert-insights-should-you-invest-in-cryptocurrencies-or-the-stock-market/)
- [Managing Your Investments with Guests Anthony Saffer and Alex Okugawa](https://onedegreeadvisors.com/media-press/managing-your-investments-with-guests-anthony-saffer-and-alex-okugawa/)
- [The Cheapest Car Insurance in California for 2021](https://onedegreeadvisors.com/media-press/the-cheapest-car-insurance-in-california-for-2021/)
- [Insight From Experts on Teaching Your Children About Money](https://onedegreeadvisors.com/media-press/insight-from-experts-on-teaching-your-children-about-money/)
- [Legacy Rocks! Changing What You Inherited](https://onedegreeadvisors.com/media-press/legacy-rocks-changing-what-you-inherited/)
- [Make-A-Wish San Diego Planned Giving Advisory Council](https://onedegreeadvisors.com/media-press/make-a-wish-san-diego-planned-giving-advisory-council/)
- [Thriving in Wisdom with Jan Thompson and Laura Booz](https://onedegreeadvisors.com/media-press/thriving-in-wisdom-with-jan-thompson-and-laura-booz/)
- [Managing Finances in Difficult Times Part 2 with Jan Thompson](https://onedegreeadvisors.com/media-press/managing-finances-in-difficult-times-part-2-with-jan-thompson/)
- [Managing Finances in Difficult Times with Jan Thompson](https://onedegreeadvisors.com/media-press/managing-finances-in-difficult-times-with-jan-thompson/)
- [What Induces Children to Save (More)?](https://onedegreeadvisors.com/media-press/what-induces-children-to-save-more/)
- [My Nine-Year-Old Is In Debt, And I’m Loving It](https://onedegreeadvisors.com/media-press/my-nine-year-old-is-in-debt-and-im-loving-it/)
- [Investment research: Should RIAs go in-house or outsource?](https://onedegreeadvisors.com/media-press/investment-research-should-rias-go-in-house-or-outsource/)
- [Practically speaking…time for a new car?](https://onedegreeadvisors.com/media-press/practically-speakingtime-for-a-new-car/)
- [Practically speaking…in matters of life and death (part 2)](https://onedegreeadvisors.com/media-press/practically-speakingin-matters-of-life-and-death-part-2/)
- [Practically speaking… In matters of life and death](https://onedegreeadvisors.com/media-press/practically-speaking-in-matters-of-life-and-death/)
- [Practically speaking… a spending plan](https://onedegreeadvisors.com/media-press/practically-speaking-a-spending-plan/)
- [Practically speaking … A game plan for 2015](https://onedegreeadvisors.com/media-press/practically-speaking-a-game-plan-for-2015/)
- [Keep the woe, woe, woe out of your ho, ho, ho](https://onedegreeadvisors.com/media-press/keep-the-woe-woe-woe-out-of-your-ho-ho-ho/)
- [Power Up Principle 11 — Radical Generosity](https://onedegreeadvisors.com/media-press/power-up-principle-11-radical-generosity/)
- [Power Up Principle: Leaving a Legacy of Love](https://onedegreeadvisors.com/media-press/power-up-principle-leaving-a-legacy-of-love/)
- [Power-up Principle #9: Conquer the clutter](https://onedegreeadvisors.com/media-press/power-up-principle-9-conquer-the-clutter/)
- [Power up principle: Avoid the use of debt](https://onedegreeadvisors.com/media-press/power-up-principle-avoid-the-use-of-debt/)
- [Power up principle: The power of planning](https://onedegreeadvisors.com/media-press/power-up-principle-the-power-of-planning/)
- [Power up principle: The power of contentment](https://onedegreeadvisors.com/media-press/power-up-principle-the-power-of-contentment/)
- [Women and Their Wealth Language:How to Acquire and Retain Female Clients](https://onedegreeadvisors.com/media-press/women-and-their-wealth-languagehow-to-acquire-and-retain-female-clients/)

## Quotes

- [Woodrow Wilson](https://onedegreeadvisors.com/quote/helen-keller-2/) - I not only use all the brains that I have, but all that I can borrow.
- [Henry Ford](https://onedegreeadvisors.com/quote/helen-keller/) - Coming together is a beginning, staying together is progress, and working together is a success.
- [Vince Lombardi](https://onedegreeadvisors.com/quote/vince-lombardi/) - Individual commitment to a group effort—that is what makes a team work
- [Michael Jordan](https://onedegreeadvisors.com/quote/michael-jordan/) - Talent wins games, but teamwork and intelligence win championships.

## Team

- [Janice Thompson](https://onedegreeadvisors.com/team/janice-thompson/) - My passion for finances began in childhood (yes, I was the kid who genuinely enjoyed tracking expenses, balancing checkbooks, and setting savings goals).
- [Kate Taylor](https://onedegreeadvisors.com/team/kate-taylor/) - He is no fool who gives what he cannot keep to gain what he cannot lose. – Jim Eliot A Bit About Kate Hi, there! I’m Kate. I believe money is most valuable when it creates opportunity, and that thoughtful financial planning provides the clarity and confidence to pursue what matters most. I work alongside
- [Jake Saffer](https://onedegreeadvisors.com/team/jake-saffer/) - Moreover, it is required of stewards that they be found faithful. – 1 Corinthians 4:2 A Bit About Jake Hi, there! I’m Jake. I believe financial planning is deeply rewarding because it allows me to help people faithfully steward the resources God has entrusted to them with wisdom, confidence, and purpose. I work with our
- [Jody Thomason](https://onedegreeadvisors.com/team/jody-thomason/) - It’s never too early to plan and save for retirement. Time passes so quickly. A Bit About Jody Hi, I’m Jody. I believe that wise financial stewardship is about more than just managing investments – it’s about helping people use their resources to live out their values and make a lasting impact. I work with individuals,
- [Jeff Luebe](https://onedegreeadvisors.com/team/jeff-luebe/) - As Client Services Manager, I make it my mission to ensure every client experience is not only seamless, but also personal and handled with care.
- [Matthew Calcagno](https://onedegreeadvisors.com/team/matthew-calcagno-cfp/) - I believe money is a means, not the end—and the right plan can buy back your time, your freedom, and your ability to live with purpose.
- [Karl Kohne](https://onedegreeadvisors.com/team/karl-kohne/) - I believe that financial planning is the key to having a retirement that fits your life - without unnecessary stress or uncertainty.
- [Alex Okugawa](https://onedegreeadvisors.com/team/alex-okugawa/) - I'm a CERTIFIED FINANCIAL PLANNER™, Certified Exit Planner, and Certified Kingdom Advisor®, with over a decade of experience.
- [Anthony Saffer](https://onedegreeadvisors.com/team/anthony-saffer/) - Hi, there! I’m Anthony. I’m a CERTIFIED FINANCIAL PLANNER™ and Certified Kingdom Advisor® with over 25 years of experience.
- [Jill Schiller](https://onedegreeadvisors.com/team/jill-schiller/) - Do what you can with all you have, wherever you are. – Theodore Roosevelt A Bit About Jill Hi, there! I’m Jill. I work behind the scenes supporting a team that delivers an experience you can’t wait to tell your family and friends about. At One Degree, I focus on operations, helping ensure the team has
- [Nolita T. Ramirez](https://onedegreeadvisors.com/team/nolita-t-ramirez/) - It is not how much money you make…it is how you manage your money! A Bit About Nolita Hi, there! I’m Nolita T. Ramirez. I believe in speaking with a smile whether it is in person or on the phone. As the Client Coordinator at One Degree, I’m often the first point of contact for
- [Evan Tosunian](https://onedegreeadvisors.com/team/evan-tosunian/) - I help ensure every client experience is smooth, personal, and stress-free. I support our clients by facilitating account transactions and handling requests
- [Philip Reuer](https://onedegreeadvisors.com/team/philip-reuer/) - I help individuals and families not only maximize their wealth and minimize taxes but also live out the life that truly matters to them.

## Testimonials

- [Jennifer V.](https://onedegreeadvisors.com/testimonial/jennifer-v-2/) - Professional, personable, and wise… listens to our needs, provides individualized guidance, and is gracious to answer all of our questions.
- [Alex T.](https://onedegreeadvisors.com/testimonial/alex-t/) - This process helped us talk about things we never knew how to address as a family.
- [Karen B.](https://onedegreeadvisors.com/testimonial/karen-b-2/) - Once our values were clear, everything shifted. We stopped letting complexity lead and gained confidence that our financial decisions truly reflected what mattered most both now and for our children’s families.
- [Charles S.](https://onedegreeadvisors.com/testimonial/charles-s/) - Clear, consistent guidance helped us stay on track for retirement and confidently reach our financial goals.
- [Pete S.](https://onedegreeadvisors.com/testimonial/pete-s/) - Extremely satisfied - trusted guidance through retirement with care, clarity, and consistency. Truly feels like family.
- [Karen B.](https://onedegreeadvisors.com/testimonial/karen-b/) - Knowledgeable, responsive, and trustworthy - helping us stay on track with retirement and feel confident about the future.
- [Robyn B.](https://onedegreeadvisors.com/testimonial/robyn-b/) - Years of great service - attentive, timely, and effective strategies that gave me confidence to retire without budget worries.
- [Clark B.](https://onedegreeadvisors.com/testimonial/clark-b/) - They genuinely care - working for your success, not theirs. It shows, and it pays off.
- [Charles C.](https://onedegreeadvisors.com/testimonial/charles-c/) - Their advice helped me retire three years early - now living comfortably and leaving a legacy for my family.
- [Jennifer V.](https://onedegreeadvisors.com/testimonial/jennifer-v/) - Professional, personable, and wise - he truly listens, provides clear guidance, and gives us peace about our financial future.
- [Pauline L.](https://onedegreeadvisors.com/testimonial/pauline-l/) - Detailed, trustworthy, and responsive - gave us confidence in our future and peace of mind we've never had before.
- [Vincent N.](https://onedegreeadvisors.com/testimonial/vincent-n/) - Strategic, thoughtful guidance gave us clarity, peace of mind, and a path forward - for us and our kids.

## MailPoet Page

- [MailPoet Page](https://onedegreeadvisors.com/?mailpoet_page=subscriptions) - [mailpoet_page]
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## Categories

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- [Alex Okugawa](https://onedegreeadvisors.com/category/alex-okugawa/)
- [Anthony Saffer](https://onedegreeadvisors.com/category/anthony-saffer/) - by Anthony Saffer Certified Financial Planner™
- [Retire Confidently](https://onedegreeadvisors.com/category/retire-confidently/)
- [Janice Thompson](https://onedegreeadvisors.com/category/janice-thompson/)
- [Matthew Calcagno](https://onedegreeadvisors.com/category/matthew-calcagno/)
- [Early Retirement](https://onedegreeadvisors.com/category/early-retirement/)

## Tags

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