Executive Summary The standard advice to “ride out” market crashes assumes you don’t need income from your portfolio. Keith Demetriades explains why that assumption changes everything in retirement, what happens when withdrawals force selling during declines, and how a smarter retirement income strategy gives different parts of money different jobs—preventing forced decisions before the crash […]

Wealthy doctors who are also parents face a unique financial challenge: Your kids are living in the “After.” They weren’t around for the “Before.” The extra years of college. The long hours and low pay of your residency. The tiny apartment you shared with two other med students. The protein bar lunches and ramen noodle […]

Executive Summary Most people make retirement investment decisions based on headlines, predictions, and emotional reactions to market moves. Keith Demetriades explains why emotional decisions are costly in retirement, how data-driven processes reduce the need to predict the future, and why discipline guided by evidence works better than intelligence guided by fear.   See an in-depth […]

Beachfront condos, European villas, and gated country club communities are central to many seniors’ retirement dreams. After decades of city and suburban work grinds, a fresh start in a new place can give retirees a little bit more of that “endless vacation” feel, especially if the sun is warm, the water is cool, the local […]