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Plain-English articles on how we invest, why it works, and how to plan for retirement — from the team at Dauble+Worthington.
The most fundamental question prospects ask. Explains active vs. passive, why rules-based rotation matters, and why it's not "market timing" in the pejorative sense.
Defines the strategy, its 100+ year track record, and why behavioral finance makes trends persist. Directly describes how D+WEP invests without making performance claims.
The mathematics of investment losses are not symmetric. A 50% loss requires a 100% gain to recover. This article walks through the math and explains why capital protection is a primary — not secondary — goal.
Explains the concept of relative strength investing — rotating into the strongest-performing assets — without disclosing proprietary signals. Puts the decision-making process in plain English.
Where the rule came from, what current research says about it, and why active drawdown management can extend the life of a retirement portfolio beyond what the original research projected.
The order of market returns matters as much as the average return. A bad early sequence during withdrawals can permanently derail a retirement — even if long-run averages look fine.
A complete guide to the Social Security claiming decision — break-even ages, spousal benefits, the role of health and other income, and what the data says most people should do.
Required Minimum Distributions explained — who must take them, new start ages under SECURE 2.0, how the IRS table works, the penalty for missing one, and smart tax planning strategies.
The Roth vs. traditional IRA decision explained — when each wins, 2025 contribution limits, the RMD factor, and how Roth conversions can reduce your lifetime tax burden.
Most people use their HSA like a checking account. Used correctly, it’s the only account with a triple tax advantage — and you can invest and move it while still employed.
Your four options for an old 401(k) — roll to an IRA, roll to a new plan, leave it, or cash out — and why rolling to an IRA is usually the right answer.
The documented failure of emotional market timing vs. the disciplined rules-based approach we use. Why the "don't miss the best days" argument misses the point for actively managed portfolios.
Precise definitions of bull markets, bear markets, corrections, and crashes — with historical data on each and what they mean for how you should manage your portfolio through each environment.
Loss aversion, recency bias, anchoring, and confirmation bias explained — and why systematic, rules-based investing is the most reliable defense against behavioral wealth destruction.
Dollar-cost averaging explained in plain English — what it actually does, what it does not do, when lump sum beats DCA, and where it fits in a disciplined investment approach.
Why publicly available information — newspaper articles, earnings reports, analyst upgrades — cannot give individual investors an edge. The efficient market explained through a real story.
Our articles cover the concepts. A conversation with John covers your portfolio.
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