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Content originally published by, and used with permission from, Fiducient Advisors LLC. “The name of the investment game is not to get rich, but rather to not get poor.” – William J. Bernstein[i] The concept of a spending policy is to provide guidance and guardrails when it comes to thoughtfully using and protecting investment resources. It has application among all investor types – both institutional and individuals – though, in practice, a spending policy often takes on more formality and nua

Content adapted from an article originally published by, and used with permission from, Fiducient Advisors LLC. A robust governance framework may be one of the biggest drivers of long-term outcomes for a nonprofit organization. A defined governance process is a simple yet effective approach to ensure that Committees remain actively involved in fulfilling their fiduciary duties. While Committee members can sometimes fixate solely on investment performance, they need to be aware that analyzing sp

In many ways, the dental profession is thriving and provides a rewarding career for entrepreneurs. Consider that the median pay for dentists in 2022 was $159,530, and that the profession ranks in the top ten jobs list according to the American Dental Association. And the profession is only expected to grow over the next ten years. Beyond seeking to improve the health of their communities, many dentists embark on the journey of owning their own practice. While this path can offer significant fin

This is a question that is coming up more frequently, especially from those who wish to defer taking money from IRA accounts and want to potentially pass retirement funds along to their heirs. So, what should you consider before deciding whether this strategy is right for you? Read on for more. The Basics The difference between an IRA and a Roth IRA essentially comes down to when you pay the taxes. Generally, with a traditional IRA, you pay taxes on the withdrawals from the account, while with