Late Bloomer Wealth

Late Bloomer Wealth

Dedicated to Helping K12 Teachers with their 403(b) & 457(b) plans.

Steve Schullo, PhD

Top Personal Finance Blogs by Young and Highly Successful Do-It-Yourselfers

Leave a Comment / Beginning Investing, Consumer Finance, Frugal Habits, LAUSD Employees, Low Cost Investors, Passive Investment Strategy, Personal Finance, PreK-12 Educators, Retirement Planning / By

A Review for the Millennial Generation who Seek Financial Freedom: Mr. Money Mustache and White Coat Investor Have you ever thought of managing your own money without an expensive financial adviser? Or just needed somebody you can trust not to rip you off with commissions, and high advisory fees? If you have followed our blog here, that’s precisely what …

Top Personal Finance Blogs by Young and Highly Successful Do-It-Yourselfers Read More »

Four-Part Series: Investing Basics

1 Comment / Beginning Investing, Financial Education/Literacy / By

Many people just want to throw up their hands and give up. But not one reader. She asked the perfect question. She wondered if there existed an easier way to learn to invest just enough to manage her own money. Yeah! This blog is for beginners to confidently understand, benefit from and succeed in learning how to invest for retirement. Thus, Dan and I developed this four-part series for beginner investors.

Explaining Wall Street, Part 2

Leave a Comment / Beginning Investing, Financial Education/Literacy, LAUSD Employees, PreK-12 Educators / By

  Part 2: How Wall Street Organizes Stocks and Bonds Since 2008, we have heard negative news about Wall Street. While much of it is true, we can be thankful for one Wall Street historical contribution. In Part 2, we continue our journey of discovering what Wall Street has already done to make investing simple. Understanding …

Explaining Wall Street, Part 2 Read More »

Part 3: Investing Basics

Leave a Comment / Beginning Investing, Consumer Finance, Financial Education/Literacy, LAUSD Employees, Laymen to Laymen Financial Information, Passive Investment Strategy, PreK-12 Educators / By

Part III: The Stock/Bond Allocation Split and Rebalancing Since 2008, a retired friend has put 100% of his money in cash. He recently asked if it’s time to get back into the stock market. You already recognize our friend’s major mistake–100% into anything is not diversification. Still, we can tell a lot about our friend’s …

Part 3: Investing Basics Read More »

Investing Basics, Final Part 4

Leave a Comment / Baby Boomer Investors, Beginning Investing, Consumer Finance, Do it yourself investors (DIY), Financial Education/Literacy, Gay Investors, Investor, Late Bloomer, Late Starters, LAUSD Employees, Laymen to Laymen Financial Information, Lesbian Investors, Low Cost Investors, Personal Finance, PreK-12 Educators, Retirement Planning, Women Investors / By

Part 4: Putting It All Together In Part I we discussed what to ignore in the enormous and complex financial industry and what to focus on–stocks and bonds. The proverbial “needle” in the “needle in the haystack” is found easily. Knowledge of ignoring the financial world ‘s “haystack” is the trick to finding the needle. …

Investing Basics, Final Part 4 Read More »

Part 2 403(b) Interview: by Fiduciary Attorney W. Scott Simon

Leave a Comment / Fee Only Fiduciary Financial Advisors, Fiduciary Standard, Financial Education/Literacy, LAUSD Employees, Personal Finance, PreK-12 Educators, Retirement Planning / By

Part 2 of a 3-Part Series: A Way Around Costly 403(b) Plans (Click here if you missed Part 1) In so-called ‘open vendor’ states, high-cost 403(b) plans may be side-stepped by turning to 457(b)s, explains plan-participant advocate Steve Schullo. W. Scott Simon, 06/10/2015 W. Scott Simon is a principal at Prudent Investor Advisors, a registered …

Part 2 403(b) Interview: by Fiduciary Attorney W. Scott Simon Read More »

Interviewed by Fiduciary Attorney: K-12 403(b) Plans

Leave a Comment / Fiduciary Standard, Financial Education/Literacy, LAUSD Employees, Laymen to Laymen Financial Information, Personal Finance, PreK-12 Educators, Retirement Planning / By

 Reforming K-12 Public School District 403(b) Plans Part 1 of a 3-Part Series For Part 2: click here May 7, 2015 Steve Schullo is working to shed light on the awful shortcomings of K-12 403(b) plans. Scott Simon, 05/07/2015 Scott Simon is a principal at Prudent Investor Advisors, a registered investment advisory firm. He also …

Interviewed by Fiduciary Attorney: K-12 403(b) Plans Read More »

A Do-It-Yourself Investor’s Powerful Insight

Leave a Comment / Beginning Investing, Consumer Finance, Fee Only Fiduciary Financial Advisors, Fiduciary Standard, Financial Education/Literacy, Gay Investors, Investor, Laymen to Laymen Financial Information, Low Cost Investors, Passive Investment Strategy, Personal Finance, PreK-12 Educators, Retirement Planning / By

Dan and I joined this local professional organization. The Desert Business Association (DBA) serves 300 members who are mostly LGBT locally-owned businesses. Our book designer, Mark, and a fiduciary financial adviser, Bob, told us about the DBA mixers hosted by different members at their place of business. This gives members and chance to talk about …

A Do-It-Yourself Investor’s Powerful Insight Read More »

LAUSD’s Investment Workshop Employees’ Comments/Follow up

2 Comments / Beginning Investing, Consumer Finance, Fee Only Fiduciary Financial Advisors, Financial Education/Literacy, LAUSD Employees, Low Cost Investors, Personal Finance, PreK-12 Educators, Retirement Planning / By

Hi LAUSD Colleagues! Dan and I certainly hope you were as satisfied after attending last week’s investment workshops as our contented 13-year-old Korean Jindo mix, Sammy. The evaluation results showed you were! Thanks for coming! This was our fourth workshop as presenters. We were happy to see colleagues that I have worked with years ago looking so good. …

LAUSD’s Investment Workshop Employees’ Comments/Follow up Read More »

Scroll to Top