Plain-language essays on retirement income, plan reviews, and physical gold and silver.
My name is Deric Scott Ned, and I write to help you ask better questions of whoever is sitting across from you. The pieces here are educational, not prescriptive. Every reader's situation is different, and nothing on this page is a substitute for advice from a professional who knows yours.
This article is for general education. It is not a recommendation about your specific plan, and it is not a substitute for a conversation about your own situation.
Read the articleDeric Ned explains why clients should understand how financial professionals are paid before accepting advice, and why incentives matter when reviewing any financial recommendation.
Read the articleThe word “fiduciary” gets used loosely. The legal definition is narrow, the suitability standard is wider, and the Best Interest standard sits in between. Here is what each one actually means for the advice you are getting.
Read the articleMost articles on gold in retirement either sell you the metals or sell you the fear. This one walks through the actual questions a thoughtful person should be able to answer before any gold is purchased.
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