https://ritholtzmanagement.com/learning-center/ Evidence-based wealth management for DIY investors en-us Mon, 12 Oct 2026 09:00:00 +0000 https://ritholtzmanagement.com/learning-center/index-funds-vs-financial-advisor/https://ritholtzmanagement.com/learning-center/index-funds-vs-financial-advisor/Sat, 10 Oct 2026 09:00:00 +0000Ritholtz Wealth Management, index funds vs. a financial advisor: compare $1,150 fund costs, $23K fees, and withdrawal timing. https://ritholtzmanagement.com/learning-center/advisory-fee-on-1-million/https://ritholtzmanagement.com/learning-center/advisory-fee-on-1-million/Thu, 08 Oct 2026 09:00:00 +0000Near retirement with $1M? Compare an advisory fee on $1 million with retirement cash flow at Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/is-the-4-percent-rule-safe/https://ritholtzmanagement.com/learning-center/is-the-4-percent-rule-safe/Tue, 06 Oct 2026 09:00:00 +0000For engineers nearing retirement, see when is the 4 percent rule safe, with $1.5M cash-flow math from Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/sequence-of-returns-risk-retirement/https://ritholtzmanagement.com/learning-center/sequence-of-returns-risk-retirement/Sat, 03 Oct 2026 09:00:00 +0000For retirees within five years of stopping work, see sequence of returns risk in retirement with Ritholtz Wealth Management’s $55K example. https://ritholtzmanagement.com/learning-center/asset-allocation-at-age-60/https://ritholtzmanagement.com/learning-center/asset-allocation-at-age-60/Thu, 01 Oct 2026 09:00:00 +0000For 60-year-olds still holding 90% stocks, find asset allocation at age 60 using a five-year bond reserve from Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/how-many-index-funds-you-need/https://ritholtzmanagement.com/learning-center/how-many-index-funds-you-need/Wed, 30 Sep 2026 09:00:00 +0000For retirees sorting 14 fund holdings, find how many index funds you need and the taxable trade-offs with Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/selling-rsus-before-retirement/https://ritholtzmanagement.com/learning-center/selling-rsus-before-retirement/Tue, 29 Sep 2026 09:00:00 +0000Ritholtz Wealth Management, selling RSUs before retirement: compare a $420K three-year sale plan and lot records. See where you stand. https://ritholtzmanagement.com/learning-center/bond-tent-before-retirement/https://ritholtzmanagement.com/learning-center/bond-tent-before-retirement/Thu, 24 Sep 2026 09:00:00 +0000Five years from retirement, see how a bond tent before retirement can fund early withdrawals. Ritholtz Wealth Management maps a $48K draw. https://ritholtzmanagement.com/learning-center/diy-investor-retirement-mistakes/https://ritholtzmanagement.com/learning-center/diy-investor-retirement-mistakes/Tue, 22 Sep 2026 09:00:00 +0000For self-directed savers replacing paychecks, find DIY investor retirement mistakes and withdrawal checks from Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/questions-for-fee-only-advisor/https://ritholtzmanagement.com/learning-center/questions-for-fee-only-advisor/Mon, 21 Sep 2026 09:00:00 +0000Ritholtz Wealth Management questions for a fee-only advisor compare cash gaps, rollover traps and paperwork before you choose. https://ritholtzmanagement.com/learning-center/what-is-factor-investing/https://ritholtzmanagement.com/learning-center/what-is-factor-investing/Sun, 20 Sep 2026 09:00:00 +0000For engineers nearing retirement, learn what is factor investing, its cost hurdle, and withdrawal risks with Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/roth-vs-traditional-401k/https://ritholtzmanagement.com/learning-center/roth-vs-traditional-401k/Sat, 19 Sep 2026 09:00:00 +0000Ritholtz Wealth Management Roth vs. traditional 401(k): compare marginal rates, catch-up rules and retirement cash flow. Review your election. https://ritholtzmanagement.com/learning-center/retirement-checklist-five-years-out/https://ritholtzmanagement.com/learning-center/retirement-checklist-five-years-out/Wed, 16 Sep 2026 09:00:00 +0000For people five years from retirement, find a retirement checklist for five years out with due dates and paperwork from Ritholtz Wealth Management. https://ritholtzmanagement.com/learning-center/monte-carlo-retirement-simulation/https://ritholtzmanagement.com/learning-center/monte-carlo-retirement-simulation/Tue, 15 Sep 2026 09:00:00 +0000Retiring within five years? See what an 87% Monte Carlo retirement simulation misses with Ritholtz Wealth Management: monthly cash and guardrails. https://ritholtzmanagement.com/learning-center/rebalancing-bands-vs-calendar/https://ritholtzmanagement.com/learning-center/rebalancing-bands-vs-calendar/Mon, 14 Sep 2026 09:00:00 +0000For retirees leaving January trades behind, rebalancing bands vs. calendar dates at Ritholtz Wealth Management compares taxable gains and cash flows. https://ritholtzmanagement.com/learning-center/health-insurance-before-medicare/https://ritholtzmanagement.com/learning-center/health-insurance-before-medicare/Sat, 12 Sep 2026 09:00:00 +0000For couples retiring before 65, compare health insurance before Medicare cash-flow choices with Ritholtz Wealth Management and $60K withdrawal math. https://ritholtzmanagement.com/learning-center/irmaa-planning-before-65/https://ritholtzmanagement.com/learning-center/irmaa-planning-before-65/Fri, 11 Sep 2026 09:00:00 +0000For retirees weighing a Roth conversion or stock sale, find IRMAA planning before 65 steps from Ritholtz Wealth Management and $109K guardrails. https://ritholtzmanagement.com/learning-center/do-i-need-a-financial-advisor/https://ritholtzmanagement.com/learning-center/do-i-need-a-financial-advisor/Wed, 09 Sep 2026 09:00:00 +0000Ritholtz Wealth Management: do I need a financial advisor? Compare a $5K monthly gap at three balances, then choose a scope of help. https://ritholtzmanagement.com/learning-center/do-market-forecasts-work/https://ritholtzmanagement.com/learning-center/do-market-forecasts-work/Tue, 01 Sep 2026 09:00:00 +0000Ritholtz Wealth Management, do market forecasts work before retirement? See a $120K cash-reserve calculation and set sale dates with care.