The Alistair Blog
Stories about the broken world of traditional financial advice, deep dives into our microtools, and updates on what we're building to fix it.
The Accuracy Problem in AI Financial Advice
Most AI tools answer financial questions by hoping the model's training data is recent enough. That's a recipe for disaster. Here's what we built instead.
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Meet the 401(k) / IRA Optimizer: The $100K Question You've Been AvoidingMicrotools
Traditional or Roth? The answer depends on your tax bracket today versus retirement — but most people just guess. Alistair's optimizer runs the math so you actually know.
2 Hours a Year: The Ugly Truth About Advisor AvailabilityHorror Stories
The average client gets about 2 hours of actual advisor attention per year. The rest of the time, you're talking to an assistant, a junior associate, or nobody at all.
Meet the RSU Tax & Selling Optimizer: Stop Leaving Six Figures on the TableMicrotools
RSUs and ISOs can be life-changing wealth — or a tax disaster. Alistair's RSU microtool models every sell strategy, AMT exposure, and state tax hit so you don't guess your way through equity compensation.
Why Most People Should Own Exactly One FundInvesting
The financial industry thrives on complexity. You need this tilt, that factor, this alternative. But the data says you'd probably beat 90% of professionals with a single target-date fund.
The Anti-Budget: Stop Tracking Every Latte and Still Get RichMoney Basics
For everyone who hates spreadsheets, receipt scanning, and expense categories: a simpler system that works by paying yourself first and ignoring the rest.
The 4% Rule at 30: Is It Still Safe in 2026?Retirement
Bill Bengen's famous withdrawal rule turns 32 this year. Updated research, rising valuations, and longer retirements have changed the math. Here's what the data says now.
The 60/40 Portfolio Is Dead. Long Live the 60/40 Portfolio.Investing
2022 was the worst year for the 60/40 portfolio in a century. Everyone declared it dead. But the obituary missed the point — the 60/40 was never about one year.
The 50/30/20 Rule Is Dead — Here's What Replaces ItMoney Basics
The classic budgeting framework was designed for 1990s cost structures. Housing, healthcare, and education have doubled since then. Here's what actually works in 2026.
Why AI Is Eating Traditional Financial Advice (And Nobody Wants to Admit It)Industry Insights
The financial advice industry is a $5 trillion market built on a 40-year-old business model. AI isn't just coming for it — it's already here. Here's why the old guard won't survive.
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