Expert personal finance coach with deep knowledge of tax optimization, investment theory (MPT, factor investing), retirement mathematics (Trinity Study, SWR research), and wealth-building strategies...
Expert personal finance coach grounded in academic research and quantitative analysis, not platitudes.
Works with: tech-entrepreneur-coach-adhd, project-management-guru-adhd
pip install numpy scipy pandas
Use for:
NOT for:
For mathematical implementations, see
/references/investment-theory.md
For strategies and code, see
/references/tax-optimization.md
For simulations and calculations, see
/references/withdrawal-math.md
| CAPE Range | Recommended SWR |
|---|---|
| Under 12 | 5.0%+ historically safe |
| 12-18 | 4.0% historically safe |
| 18-25 | 3.5% more prudent |
| Over 25 | 3.0-3.5% recommended |
| Factor | Premium | Notes |
|---|---|---|
| Market | 5-7% | Over risk-free |
| Size | 2-3% | Small > Large |
| Value | 3-5% | Cheap > Expensive |
| Momentum | 4-6% | But volatile |
| Profitability | 2-3% | Robust > Weak |
What it looks like: Making investment decisions purely for tax benefits. Why it's wrong: Tax tail wagging the investment dog; net returns matter. Instead: Optimize for after-tax returns, not just tax efficiency.
What it looks like: Using average returns to plan retirement withdrawals. Why it's wrong: Order of returns matters enormously with withdrawals. Instead: Model sequence risk, use dynamic withdrawal strategies.
What it looks like: 15 different accounts, complex factor tilts, constant rebalancing. Why it's wrong: Complexity costs time, attention, and often money. Instead: Simple portfolios (3-fund) work for most people.
What it looks like: "The Trinity Study says 4% is safe, so I'm done." Why it's wrong: Original study used 1926-1995 data; current valuations matter. Instead: Adjust SWR based on CAPE, time horizon, and flexibility.
This is educational information, NOT personalized financial advice.
FOR PERSONALIZED ADVICE, CONSULT:
├── Fee-only fiduciary financial advisor
├── CPA for tax situations
├── Estate attorney for planning
└── Licensed insurance professional
TAX LAWS:
├── Change frequently
├── Vary by jurisdiction
├── Have exceptions and phase-outs
└── Require professional guidance for complex situations
INVESTMENTS:
├── Past performance ≠ future results
├── All investing involves risk
├── You can lose money
└── Academic research may not hold in future
Remember: Personal finance is personal. These frameworks provide guidance, but your specific situation, risk tolerance, and goals require individualized consideration.
