RBS 227: 3 Essential Tools to Evaluate Your Investment Portfolio

In today's Five Question Friday (FQF) video, we look at these five questions:1. Have we been lied to about our Social Security break-even age?2. Is it ok to restart the 4% rule if the market goes up in early retirement?3. I am nervous about the run up in AI stocks . . . Could it be a good idea to consider diversifying from VTI to an “equal-weighted index fund like Invesco S&P Equal Weight ETF or others like it?4. I’m 64 and I would like to begin annual Roth conversions from my traditional IRA’s.  Can you review the rules surrounding these conversions in one’s retirement years?  I would like to know how soon I can withdraw converted funds and their associated earnings penalty free and tax free.5. You’ve mentioned in the past that you transitioned from a six-fund portfolio to a simpler three-fund setup. I’m curious — was that change mainly about reducing complexity and streamlining your investments, or did it reflect a stage of investment maturity and confidence in a more minimalist approach?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover these questions:1. How to invest $15 million?2. For the 4% withdrawal rate devised by Bill Bengen, what measure of inflation did he use?  Are there other measures that you think might be more appropriate?3. If you have a retirement portfolio with a 6% yield does the 4% rule apply?4. Is a 7-year MYGA a better deal than a 7-year Treasury?5. If the yield from a High Yield Savings account is paying out 3.8 to 4.0%, why would it ever be a good investment to buy bonds or bond ETFs with their recent volatility?Bonus Question: Can you explain more about your choice to practice Bikram Yoga over other types of Yoga?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover this questions:1. Can you recommend a detailed tax estimator?2. How to plan Roth conversions without a fancy retirement planner?3. Should you pay off a mortgage early or invest the money?4. Are identity theft protection services worth the cost?5. How does reinvesting vs spending dividends affect return assumptions for retirement planning?    Resources2025 Tax Calculator: https://www.efile.com/tax-return-calc...*Note*: eFile is still updating some aspects of the calculator for 2025 tax laws.Boldin: https://go.robberger.com/boldin/yt-fqfVanguard Roth Conversion Calculator: https://advisors.vanguard.com/tax-cen...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.It's Not That Complicated https://drive.google.com/file/d/1Hqs4v7wLCjhh5ohWVVSNTs2HsGz9nufD/viewJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this episode, we'll walk through the key differences and pros and cons of Original Medicare vs Medicare Advantage plans.ResourcesIt's Not That Complicated (pdf): https://drive.google.com/file/d/1Hqs4...Medicare & You 2026 (pdf): https://www.medicare.gov/publications...2025 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-she...Medicare Part A Costs: https://www.medicare.gov/basics/costs...Medigap Plans: https://www.medicare.gov/health-drug-...KFF Medigap Article: https://www.kff.org/medicare/key-fact...Compare Medicare Plans: https://www.medicare.gov/plan-compare...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

In this episode, we'll walk through resources you can use to get free help with Medicare. The Resources are broken into three categories:1. Free online educational content2. Free Medicare guidance from SHIP3. Free Medicare guidance from insurance brokersResourcesMedicare: https://www.medicare.gov/CMS: https://www.cms.gov/KFF: https://www.kff.org/topic/medicare/SHIP: https://www.shiphelp.org/JAMA Study on SHIP: https://jamanetwork.com/journals/jama...Chapter: 410-220-5494Federal Lawsuit: https://www.justice.gov/opa/media/139...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

In this episode, we'll walk through 7 things you must know about Medicare's annual open enrollment period.ResourcesIt's Not That Complicated (pdf): https://drive.google.com/file/d/1Hqs4...Medicare & You 2026 (pdf): https://www.medicare.gov/publications...2025 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-she...Medicare Part A Costs: https://www.medicare.gov/basics/costs...Medigap Plans: https://www.medicare.gov/health-drug-...KFF Medigap Article: https://www.kff.org/medicare/key-fact...Can I Change Medigap Plans? https://www.medicare.gov/health-drug-...Compare Medicare Plans: https://www.medicare.gov/plan-compare...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

A viewer asked me to suggest some tools he could use to evaluate his investment portfolio and asset allocation. So in this video we looked at three of my favorite investment tools:1. Empower: https://go.robberger.com/empower/yt-3...2. Kubera: https://go.robberger.com/kubera/yt-3-...3. Google Sheets: https://robberger.com/investment-trac...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover the following questions:1. What are the best finance apps for those with a learning disability?2. Is 3% SWR the new 4%?3. How do you model tax-free income in Boldin?4. In what account type should you hold cash you plan to spend in the first few years of retirement?5. What inflation rate should you assume in retirement?ResourcesMonarch Money: https://go.robberger.com/monarch-yt/y... (Use Promo Code ROB50 for 50% off the first year)Simplifi: https://go.robberger.com/simplifi/yt-fqfBoldin: https://go.robberger.com/boldin/yt-fqfFidelity article: https://www.fidelity.com/learning-cen...Shiller PE: https://www.multpl.com/shiller-peKitces article: https://www.kitces.com/blog/the-ratch...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's video, we discuss how Income-Related Monthly Adjustment Amount (IRMAA) payments are calculated and 8 strategies to reduce or even eliminate the payments.Resources from the VideoReddit Forum Post: / strategies_to_reduce_irmaa_costs_medicare  2025 IRMAA Brackets: https://www.humana.com/medicare/medic...IRMAA MAGI Calculation: https://secure.ssa.gov/poms.nsf/lnx/0...SSA-44 Form: https://www.ssa.gov/forms/ssa-44.pdfBoldin: https://go.robberger.com/boldin/yt-irmmaProjectionLab: https://go.robberger.com/projectionla...Join the Newsletter to get a 10% discount code off of ProjectionLab:https://robberger.com/newsletter/?utm...