MI Perspective Articles

Retirees: Don’t Let Headlines Control Your Decisions

If you’ve been retired for any length of time, you’ve probably seen it happen dozens of times. A scary headline appears: The Market Is Headed for a Recession or Stocks Are Overvalued…
The 4% Rule: Does It Still Work for Retirees Today?

One of the most common questions I hear is, “How much can I safely withdraw from my retirement savings each year?” Eventually, the conversation usually turns to something called the 4% rule.
How Roth Conversions Can Help Retirees Lower Taxes

When people think about retirement planning, they often focus on growing their investments. But one area that can have just as much impact on your financial future is tax planning. One strategy I frequently discuss with retirees is the Roth conversion. While it’s not the right solution for everyone, it can be an effective way […]
5 Signs You May Be Ready to Retire

One of the questions I hear most often is, “How do I know if I’m really ready to retire?” While everyone’s situation is different, there are a handful of indicators I look for when helping clients determine whether retirement is financially realistic and sustainable. Retirement isn’t just about reaching a certain age, it’s about having […]
Two (Non-AI) Dividend Stocks That Are Attractive Right Now

Lately, it can feel like every investing conversation revolves around artificial intelligence, high-growth tech stocks, and whatever company made headlines this week. There’s certainly a place for innovation in a portfolio, but not every good investment needs to be flashy. Recently, we added two positions to client portfolios that play a very different role: T. […]
Consistency in an Uncertain Market: Why I Often Recommend Bond Laddering

Interest rates are always changing. That part is easy to predict. What is harder to know is whether today’s rates will look attractive six months or a year from now. That uncertainty can make it tempting to wait, guess, or try to time the market. Personally, I’d rather focus on building a strategy that doesn’t […]
5 Costly Retirement Mistakes to Avoid in 2026

Retirement should be a time to enjoy the life you’ve worked hard to build, but getting there successfully often comes down to avoiding a few common and costly mistakes. Over the years, I’ve seen many hardworking people make financial decisions with the best intentions, only to realize later those choices created unnecessary stress, taxes, or […]
Understanding IRMAA: Why Income Planning Matters in Retirement

What Is IRMAA? IRMAA is one of those things that can catch people off guard in retirement. It’s an additional premium added to Medicare Part B and Part D when your Modified Adjusted Gross Income (MAGI) exceeds certain thresholds. What makes it tricky is the timing. IRMAA is based on your income from two years […]
Investment Research: Why I Rely on Data, Not Predictions

One thing I’ve learned over the years is that the investment world is full of predictions. Every day there’s a new forecast about where the market is headed, whether a recession is coming, or which investment will outperform next. Some of those predictions will inevitably be right, but many of them won’t be. That’s one […]
Core Investing Values

Over our years of investing we have discovered a set of principles by which to invest. We have finally unveiled these as our “Investment Core Values”