The letters

A short letter from inside a retirement plan, most weeks.

What a 1% fee looks like in dollars over thirty years. What a widow’s first tax return looks like. What a surrender schedule actually says. What “no fee” costs. One idea per letter, the arithmetic in the open, and nothing for sale — ever.

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A short letter from inside a retirement plan, most weeks. No products, ever. Unsubscribe with one click.

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