Blog
Insights on pension valuation, total-wealth allocation, and retirement planning.
·5 min read
The 60/40 Illusion: Is Your Retirement Portfolio More Conservative Than You Think?
If you have a defined-benefit pension and run a 60/40 brokerage account, you may actually be a 20/80 investor. Here's why — and what to do about it.
·5 min read
The 60/40 Illusion, Part II: Your '40' Might Be Lying To You
Some of your bond funds aren't really bonds — High-Yield and EM debt behave like equities in a crash. Here's how to audit your '40' and find your true asset split.
·4 min read
Target Date Funds with a Pension? Not So Fast, My Friend!
Target Date Funds are pension-blind — they assume you have no fixed income outside Social Security. If you have a pension, you may already be a 20/80 investor without realizing it.
·4 min read
The Military Retirement Deep Dive: Valuing Your Service-Earned Wealth
Military retirees in their 40s and 50s are often far more conservative than they realize. Your pension is a Treasury-backed, inflation-protected bond worth over $800k — here's how to see it on your balance sheet.