The Journal
Blog
Market insights and trading education from the Alpha Sentinel team.
Asset Protection Basics for High-Income Professionals Who Invest
Asset protection is a set of legal and planning concepts, not one product. Seven basics high earners should know before speaking with an attorney.
Investing With Variable Income: A Guide for Partners and Contract Physicians
Uneven income breaks the monthly-contribution habit most plans assume. Here is how partners and contract physicians can invest around lumpy pay.
Emergency Funds for Self-Employed Physicians and Partners With Variable Income
Variable income makes a standard emergency fund rule too blunt. This five-stage framework sizes a cash reserve around your real expenses and income swings.
How Much Cash Should a High-Income Professional Keep Outside the Market?
Cash has a job: covering obligations and uncertainty. Six points on setting a cushion, separating tax money and not holding too much.
Which Accounts to Fund First: 401(k), HSA, Backdoor Roth or Taxable?
A common funding order for high earners, from employer match to HSA, workplace plan, backdoor Roth and taxable account, and why each step is there.
Backdoor Roth Contributions Explained for High-Income Earners
How the backdoor Roth works, why the pro-rata rule trips people up, and what to bring to your tax professional before you convert anything.
Investing After a Practice Sale: Questions to Settle Before You Deploy the Cash
Sold your practice? Settle what you owe, what the money must do, and how concentrated to be before the proceeds go anywhere. Take your time.
What to Do With a Large Annual Bonus: A Framework for Attorneys and Executives
A sequence for allocating a large bonus: pause, set aside taxes, cover the foundations, direct the rest to goals, and plan a little enjoyment.
Student Loans or Investing? How Physicians Weigh Debt Paydown Against a Portfolio
A five-step sequence for physicians deciding between extra loan payments and investing, from loan terms and cushions to a written split.
Running a Monthly Money Meeting With Your Spouse: An Agenda That Works
A short, structured monthly meeting can turn tense money talks into routine. Here is an agenda, a set of ground rules and a sample month.
How to Keep an Investing Routine Through Heavy Call Weeks
Call weeks wreck most routines. Here is a two-tier approach that keeps your investing habits intact when sleep and schedules are unpredictable.
Free Cash Flow: Why Many Investors Prefer It to Net Income
Free cash flow shows the cash a business generates after reinvesting in itself. See how it is calculated, why investors use it and where it can mislead.