Expert guides, strategies, and insights to help you make smarter financial decisions.
In the world of investing, we are often told that “average returns” are all that matter. If the market averages 8% over 30 years, you’re fine, right? Not necessarily. While averages work beautifully when you are adding money to your accounts, they can be a dangerous illusion once you start taking it out. In 2026, […]
After decades of diligent saving, you finally reach the “golden years.” But there is a silent partner waiting at the finish line: the IRS. Once you hit a certain age, the government stops letting you defer your taxes and begins requiring you to take money out of your traditional IRAs and 401(k)s. These are Required […]
For decades, the “4% Rule” was the gold standard of retirement planning. Developed in the 1990s by Bill Bengen, it suggested that if you withdrew 4% of your portfolio in your first year of retirement and adjusted for inflation thereafter, your money would almost certainly last 30 years. It was simple, elegant, and—in the economic […]
As an entrepreneur, your business is likely your most valuable asset. But there is a massive risk in having 100% of your net worth tied up in a single entity. At Cortex, we teach S-Corp owners that the goal of a business isn’t just to generate “profit”—it’s to generate liquidity that can be strategically allocated […]
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