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Comments

• BTW, both Fidelity & Schwab have provisions to add “external accounts” and tools to analyze the overall portfolio.

  Post: Schwab or Vanguard?

  Link to comment from January 13, 2026

• I will echo what Howard said, Schwab (and Fidelity) have superior customer service than Vanguard (full disclosure, I left Vanguard in 2021 due to their poor service and I rarely called them. Not sure if it has improved much since). Not sure if it matters much to you, Schwab (and Fidelity) have local branches in most metro areas, Vanguard does not to the best of my knowledge. Yes, Vanguard has arguably the best-in-class products but you can buy their ETF’s at Schwab. Vanguard shines with their low cost PAS, should you ever need it at 30bps. The closest to this at Schwab is their “intelligent” services, a combination of robo and human advisors. And I wouldn’t make too much of the access to a CFP at Schwab, they don’t perform the role of a financial advisor. Best of luck to you

  Post: Schwab or Vanguard?

  Link to comment from January 12, 2026

• I stand corrected, the is working but asking for an email address

  Post: Scams part 2

  Link to comment from December 14, 2025

• Nick, thank you for this, pretty scary. BTW the free link didn't work, it is asking for subscriber details.

  Post: Scams part 2

  Link to comment from December 14, 2025

• Use locally hosted password manager, of course if you click on the wrong link and install a malware… all bets are off. Passkeys are very promising but only a handful of companies offer them now. ”Peppering” your passwords might also work (this where you add a token that only you know to the beginning or end of a stored password. managing multiples of 10 passwords on a paper will quickly get super frustrating (and won’t help if you accidentally install info stealing malware).

  Post: Another Data Breach

  Link to comment from December 7, 2025

• I think what you have proposed is a viable idea but Do you see small businesses signing up for this?

  Post: I CAN SOLVE THE SOCIAL SECURITY AND RETIREMENT CRISIS IN AMERICA

  Link to comment from December 7, 2025

• I have read this with great interest, how would superannuation work for spouses that don’t or haven’t worked (since there is no employer contribution). Social security offers spousal benefits in these cases.

  Post: I CAN SOLVE THE SOCIAL SECURITY AND RETIREMENT CRISIS IN AMERICA

  Link to comment from December 7, 2025

• I slightly disagree with your assessment, I do think this process that Vanguard is employing of insulating the end user from having to choose an annuity but providing the required income is a good thing. Especially for the majority of the folks that are not financially (or Annuity) savvy. It simplifies the lifetime income need. My $0.02.

  Post: The annuities are coming, the annuities are coming‼️

  Link to comment from December 5, 2025

• They absolutely can, however given all of the questionable sales tactics (like selling a high fee product instead of a simple SPIA/DIA) that some brokers employ, it is good to have someone like Vanguard do all the vetting. Also, until recently (I believe Secure 1.0) any money coming from a qualified (i.e. tax deferred like an IRA, 401k) would not have counted toward the RMD but now I believe it does.

  Post: The annuities are coming, the annuities are coming‼️

  Link to comment from December 5, 2025

• This sobering article in the NYT - why it is important to lock soc sec number. This article is likely behind a paywall and I am not how to get a free version of this https://www.nytimes.com/2025/11/23/us/undocumented-worker-stolen-identity-dan-kluver.html?smid=nytcore-ios-share

  Post: Another week, another data breech notification letter…

  Link to comment from November 23, 2025