INDEPENDENT INVESTMENT ADVISOR

Financial planning focused on low-cost, tax-efficient approaches to retirement & investing

Aaron Brask, PhD

I am an independent investment advisor who provides personalized financial planning, retirement, and investment management services.

- About Aaron
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Client profiles

Retirement Focus

I help retirees construct low-cost, tax-efficient income strategies and manage risks that could derail their financial security.

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Working & Saving

I enjoy helping people achieve financial security and target long term goals by building and executing robust financial plans.

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Business Owners

I develop innovative solutions to maximize financial planning opportunities available to business owners and entrepreneurs.

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Engineers & Analysts

As an applied math PhD, I enjoy getting into the mechanics of investing and financial planning with engineers and other analytical clients.

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Focus on your priorities

As an independent investment advisor, I take pride in being the trusted steward of your wealth so you can focus on more important matters.

Services

Retirement & Planning

When it comes to retirement, the stakes are high. You need a partner you can trust to develop a robust and tax-efficient plan for retirement.

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Investment Management

It is important to plant the right seeds to maximize the benefit of time and compounding. Low costs and tax efficiency are critical.

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Research & Publications

Research and analysis is in my DNA. My research is available for free and regularly published and quoted by multiple financial media outlets.

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Different clients. Different needs.

I can provide a degree of customization other independent investment advisors cannot with their off-the-shelf investments and third-party planning software.

Research

I am a researcher at heart and take nothing for granted. Anything less can compromise performance and peace of mind.

May 2021
Bond Ladders & Income Annuities: Restoring the Sanctity of Fixed Income
In a nutshell: Income annuities and bond ladders are fixed income investments, but I find they are under-utilized as tools for financial planning (especially with respect to retirement income). I spent some time on Google, but could not ascertain the origins of the term fixed income. Presumably, it was just a simple description given to investments where all of the Continue Reading
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August 2020
Optimizing Fixed Annuity Tax Deferral
Annuities are popular tools for retirement income planning. While stigmas exist around some annuity products (for good reason), recent research shows how fixed annuities can add value in the context of retirement income. In addition to being able to guarantee income for life, tax benefits are often advertised as a key advantage of using annuities. This article discusses the mechanics Continue Reading
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April 2020
Dividends: Theory and Empirical Evidence
Building on the concepts presented in our Dividends Are Different article, here we present data and observations highlighting how dividends can protect investors from inflation and market volatility. While this content is relevant to other applications, we focus on it within the context of retirement income. When designing portfolios to provide for retirement, conventional wisdom holds that allocations to stocks Continue Reading
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