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Blogger Profile


Brandon Renfro

Blog Info

Name:
Brandon Renfro
Category:
Investing
Tags:
Millennial
Start Year:
2016

Blogger Bio

Location:
Louisiana, United States
Age:
Unspecified
Race:
Unspecified
Gender:
Male
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

What are the risks of relying on  dividends for retirement income? Like most things used in moderation there isn’t anything wrong with dividends, or the stocks that pay them.  In fact, higher-dividend paying stocks are usually older, established, and strong companies. They can be good components of retirement income plans and help provide some diversification […] The post What are the Risks of Relying on Dividends for Retirement Income? appeared first ...
Posted: Nov 13 2018 @ 12:45 PM
What is a Roth conversion ladder and how can it help you fund early retirement? I’ve written before on the five year rules of Roth IRA’s. This strategy utilizes a specific rule that affects Roth IRA conversions, and provides a means of taking tax-efficient withdrawals from your retirement account BEFORE you turn 59.5. Roth IRA […] The post Creating a Roth Conversion Ladder to Fund Early Retirement appeared first on Brandon ...
Posted: Oct 30 2018 @ 10:57 AM
The Hellhound of Wall Street – How Ferdinand Pecora’s Investigation of the Great Crash Forever Changed American Finance provides a narrative of the Senate hearings that followed the Great Crash. It is an interesting story for it’s lively details of the personalities involved but also illustrates how far our perceptions of the financial elite have come. […] The post The Hellhound of Wall Street – How Ferdinand Pecora’s Investigation of the Great ...
Posted: Oct 16 2018 @ 11:15 AM
If you withdraw money from your tax-deferred IRA or 401k accounts before you turn 59.5 you will owe a 10% penalty in addition to income tax.  A 72(t) distribution is a way of accessing the money in your retirement account before you turn 59.5 without incurring the penalty. No doubt, you are aware that withdrawing […] The post What is a 72(t) Distribution? appeared first on Brandon Renfro, Ph.D.. ...
Posted: Oct 02 2018 @ 3:25 PM
One of the key considerations in a retirement income plan is the amount of money that you will withdraw from an investment portfolio. Your decision regarding  how much income to take from your retirement account necessitates that you strike a balance between current consumption and future account value. In simple language, this means that you […] The post How to protect your portfolio with a variable withdrawal strategy appeared first on ...
Posted: Sep 17 2018 @ 11:15 AM
Adaptive Markets – Financial Evolution at the Speed of Thought by Andrew Lo is a deep dive into market theory. This book is not a surface-level read on retirement planning or investing. It provides insight into how markets operate and change over time. The takeaway from the book is enhanced understanding of market behavior. I […] The post Adaptive Markets appeared first on Brandon Renfro, Ph.D.. ...
Posted: Sep 04 2018 @ 11:00 AM
Adaptive Markets – Financial Evolution at the Speed of Thought by Andrew Lo is a deep dive into market theory. This book is not a surface-level read on retirement planning or investing. It provides insight into how markets operate and change over time. The takeaway from the book is enhanced understanding of market behavior. I […] The post Adaptive Markets appeared first on Brandon Renfro, Ph.D.. ...
Posted: Sep 04 2018 @ 11:00 AM
That’s not a typo. Asset location is an often overlooked aspect of retirement planning. That is unfortunate because asset location can significantly affect the after-tax value of your retirement income. I’ll explain what asset location means and how you can use that information to increase your retirement income. What is Asset Location? Ideally, retirement savings […] The post Asset Location is Important Too appeared first on Brandon Renfro, Ph.D.. ...
Posted: Aug 21 2018 @ 12:05 PM
Retirement income is inherently dependent on many different factors. This is true because retirement income planning involves accounting for unpredictable variables over a long time horizon, and weighing them against the comfort level of the individual retiree. Inflation is one of those factors. Even for a given amount of retirement savings, different retirees can have […] The post Inflation’s Effect on Retirement Portfolios appeared first on Brandon Renfro, Ph.D.. ...
Posted: Aug 09 2018 @ 11:53 AM
Roth IRA’s are one of the most popular retirement accounts. Roth IRAs have many advantages over tax-deferred accounts, namely the ability to provide tax-free growth. The ability to provide tax-free growth is premised on making contributions with after-tax dollars. As I’m sure you are well aware, you must pay taxes on essentially each dollar you […] The post The Five Year Rules of Roth Distributions appeared first on Brandon Renfro, Ph.D.. ...
Posted: Jul 31 2018 @ 5:00 PM

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