# Considerate Capital

> Considerate Capital is a fee-only, fiduciary Registered Investment Advisory firm founded by Joshua Mangoubi, CFA, MBA. It serves thoughtful pre-retirees and retirees — often families with $2M+ in investable assets — coordinating retirement income, investments, tax planning, Social Security, Medicare, and estate decisions. The site's education library (essays, podcast episodes with transcripts, and video explainers) is written by the founder and is free to read and cite.

Educational content only — not individualized investment, tax, or legal advice.

## Key pages

- [About the firm](https://consideratecapital.com/about): why Considerate Capital exists and how it works with families.
- [About Joshua Mangoubi, CFA, MBA](https://consideratecapital.com/about/joshua-mangoubi): founder credentials, background, and press.
- [The Considerate Process](https://consideratecapital.com/process): how the advisory relationship works.
- [Frequently asked questions](https://consideratecapital.com/faq): who the firm serves, services, fees, custody.
- [The biases behind money decisions](https://consideratecapital.com/biases): behavioral-finance patterns, illustrated.
- [Illinois estate tax calculator](https://consideratecapital.com/tools/illinois-estate-tax-calculator): interactive estimate of the Illinois estate tax cliff.
- [Contact](https://consideratecapital.com/contact) · [Schedule a conversation](https://consideratecapital.com/schedule)

## Articles

- [The money mistakes that follow a loss.](https://consideratecapital.com/education/the-money-mistakes-that-follow-a-loss): The financial mistakes widows and widowers actually make are mostly one mistake wearing different clothes. What can wait, what cannot, and how to tell the difference.
- [What needs you, and when.](https://consideratecapital.com/education/checklist-after-losing-a-spouse): A calm checklist for after a spouse dies: what matters this week, the calls that fill the first month, the paperwork of the season, and the decisions that should wait a year.
- [You were never your job title.](https://consideratecapital.com/education/you-were-never-your-job-title): For forty years, what you did was a complete answer to who you are. Retirement is the morning that answer goes quiet, and you learn how much of you was the title.
- [The firm I would have wanted for my friend.](https://consideratecapital.com/education/why-i-started-considerate-capital): The real origin of Considerate Capital, and what a friend taught me about what this work is actually for.
- [Why I made this show](https://consideratecapital.com/education/why-i-made-this-show): A note on what A Considerate Retirement is for, and why I made it the opposite of the money media that only wants to sell you a product or scare you into it.
- [When the blues does not lift.](https://consideratecapital.com/education/when-the-blues-does-not-lift): Most low moods in retirement are the ordinary kind, and they lift on their own. A few are something else, and telling the difference in time is the part worth getting right.
- [What your bonds are actually for.](https://consideratecapital.com/education/what-your-bonds-are-actually-for): After a hard couple of years for bonds, the useful question is not whether to own them, but what job you are asking them to do.
- [What a CFA charterholder actually is.](https://consideratecapital.com/education/what-is-a-cfa-charterholder): Of all the initials in finance, these three are the ones worth understanding. Here is what the CFA charter takes to earn, what it teaches, and what it does not promise.
- [Two million dollars is not a yes or no.](https://consideratecapital.com/education/two-million-is-not-a-yes-or-no): Whether you can retire at sixty depends far less on the size of your portfolio than on one number you actually control.
- [Three million at sixty is a two-part retirement.](https://consideratecapital.com/education/three-million-at-sixty-two-part-retirement): Whether it carries you depends less on the number than on the seven years your portfolio works alone, before Social Security arrives to share the load.
- [The widow's penalty.](https://consideratecapital.com/education/the-widows-penalty): Why a surviving spouse can owe more tax on a smaller income, and what the two of you can do about it ahead of time.
- [The shape of a retired day.](https://consideratecapital.com/education/the-shape-of-a-retired-day): Work handed you a schedule whether you wanted one or not. The morning that stops arriving is a quieter problem than people expect, and the fix is a rhythm you build rather than one you are given.
- [The order you draw from your accounts.](https://consideratecapital.com/education/the-order-you-draw-from-your-accounts): After a lifetime of saving, no one teaches you how to spend it down. The order you choose is quietly a tax decision.
- [The loneliness no one plans for.](https://consideratecapital.com/education/the-loneliness-no-one-plans-for): No one budgets for it, but retirement can quietly shrink the week's human contact down to almost nothing. This is why that thinning matters to your health, and how the connection gets rebuilt.
- [The dip is a stage, not a verdict.](https://consideratecapital.com/education/the-dip-is-a-stage-not-a-verdict): The first year or two of retirement has a rough emotional arc: a giddy high, often an unexpected low, then a slow settling. Knowing the shape is what keeps the low, when it comes, from feeling like a mistake.
- [The trust that bets on your marriage.](https://consideratecapital.com/education/slat-pros-and-cons): A SLAT lets a married couple pass more to their heirs and pay less estate tax, while one spouse can still draw on the money. In return, the gift is permanent, with no taking it back.
- [Retiring into the same house.](https://consideratecapital.com/education/retiring-into-the-same-house): Two people can love each other for thirty years and still have no idea how to share a Tuesday. Retirement is the morning you both find that out, with all the hours arriving at once.
- [The order of your returns matters more than the average.](https://consideratecapital.com/education/order-of-returns-matters-more-than-average): Two retirees can earn the identical average return over the same years and still end up in completely different places. What separates them is when the bad years land, not how bad they are.
- [How to choose a financial advisor.](https://consideratecapital.com/education/how-to-choose-a-financial-advisor): Behind the wall of credentials, a few plain things separate real expertise from good marketing, and one thing no credential can prove.
- [How I got into the room.](https://consideratecapital.com/education/how-i-got-into-the-room): At twenty-three I talked my way into a firm that had never posted a job. What got me in is the same thing worth looking for in anyone who wants your trust.
- [Five million is rarely the hard part. Fifty-five is.](https://consideratecapital.com/education/five-million-and-the-question-of-fifty-five): Whether five million carries you from fifty-five depends far less on the number than on the ten years before the safety nets arrive.
- [The four-million-dollar line.](https://consideratecapital.com/education/avoiding-the-illinois-estate-tax): Most people think the estate tax is a problem only for the very rich. In Illinois, an ordinary home and retirement savings can cross the line.
- [A retirement needs somewhere to go.](https://consideratecapital.com/education/a-retirement-needs-somewhere-to-go): You spent thirty years planning the money. The part almost no one plans is what the mornings are for once the work that filled them is gone.

## Podcast — A Considerate Retirement

RSS feed: https://consideratecapital.com/feed/podcast.xml

- [What needs you, and when.](https://consideratecapital.com/podcast/checklist-after-losing-a-spouse): A calm checklist for after a spouse dies: what matters this week, the calls that fill the first month, the paperwork of the season, and the decisions that should wait a year. (full transcript on the page)
- [The widow's penalty.](https://consideratecapital.com/podcast/the-widows-penalty): Why a surviving spouse can owe more tax on a smaller income, and what the two of you can do about it ahead of time. (full transcript on the page)
- [When the blues does not lift.](https://consideratecapital.com/podcast/when-the-blues-does-not-lift): Most low moods in retirement are the ordinary kind, and they lift on their own. A few are something else, and telling the difference in time is the part worth getting right. (full transcript on the page)
- [The trust that bets on your marriage.](https://consideratecapital.com/podcast/slat-pros-and-cons): A SLAT lets a married couple pass more to their heirs and pay less estate tax, while one spouse can still draw on the money. In return, the gift is permanent, with no taking it back. (full transcript on the page)
- [The four-million-dollar line.](https://consideratecapital.com/podcast/avoiding-the-illinois-estate-tax): Most people think the estate tax is a problem only for the very rich. In Illinois, an ordinary home and retirement savings can cross the line. (full transcript on the page)
- [The loneliness no one plans for.](https://consideratecapital.com/podcast/the-loneliness-no-one-plans-for): No one budgets for it, but retirement can quietly shrink the week's human contact down to almost nothing. This is why that thinning matters to your health, and how the connection gets rebuilt. (full transcript on the page)
- [What a CFA charterholder actually is.](https://consideratecapital.com/podcast/what-is-a-cfa-charterholder): Of all the initials in finance, these three are the ones worth understanding. Here is what the CFA charter takes to earn, what it teaches, and what it does not promise. (full transcript on the page)
- [How to choose a financial advisor.](https://consideratecapital.com/podcast/how-to-choose-a-financial-advisor): Behind the wall of credentials, a few plain things separate real expertise from good marketing, and one thing no credential can prove. (full transcript on the page)
- [The dip is a stage, not a verdict.](https://consideratecapital.com/podcast/the-dip-is-a-stage-not-a-verdict): The first year or two of retirement has a rough emotional arc: a giddy high, often an unexpected low, then a slow settling. Knowing the shape is what keeps the low, when it comes, from feeling like a mistake. (full transcript on the page)
- [Three million at sixty is a two-part retirement.](https://consideratecapital.com/podcast/three-million-at-sixty-two-part-retirement): Whether it carries you depends less on the number than on the seven years your portfolio works alone, before Social Security arrives to share the load. (full transcript on the page)
- [Retiring into the same house.](https://consideratecapital.com/podcast/retiring-into-the-same-house): Two people can love each other for thirty years and still have no idea how to share a Tuesday. Retirement is the morning you both find that out, with all the hours arriving at once. (full transcript on the page)
- [Five million is rarely the hard part. Fifty-five is.](https://consideratecapital.com/podcast/five-million-and-the-question-of-fifty-five): Whether five million carries you from fifty-five depends far less on the number than on the ten years before the safety nets arrive. (full transcript on the page)
- [A retirement needs somewhere to go.](https://consideratecapital.com/podcast/a-retirement-needs-somewhere-to-go): You spent thirty years planning the money. The part almost no one plans is what the mornings are for once the work that filled them is gone. (full transcript on the page)
- [The order of your returns matters more than the average.](https://consideratecapital.com/podcast/order-of-returns-matters-more-than-average): Two retirees can earn the identical average return over the same years and still end up in completely different places. What separates them is when the bad years land, not how bad they are. (full transcript on the page)
- [The shape of a retired day.](https://consideratecapital.com/podcast/the-shape-of-a-retired-day): Work handed you a schedule whether you wanted one or not. The morning that stops arriving is a quieter problem than people expect, and the fix is a rhythm you build rather than one you are given. (full transcript on the page)
- [What your bonds are actually for.](https://consideratecapital.com/podcast/what-your-bonds-are-actually-for): After a hard couple of years for bonds, the useful question is not whether to own them, but what job you are asking them to do. (full transcript on the page)
- [You were never your job title.](https://consideratecapital.com/podcast/you-were-never-your-job-title): For forty years, what you did was a complete answer to who you are. Retirement is the morning that answer goes quiet, and you learn how much of you was the title. (full transcript on the page)
- [The order you draw from your accounts.](https://consideratecapital.com/podcast/the-order-you-draw-from-your-accounts): After a lifetime of saving, no one teaches you how to spend it down. The order you choose is quietly a tax decision. (full transcript on the page)
- [Two million dollars is not a yes or no.](https://consideratecapital.com/podcast/two-million-is-not-a-yes-or-no): Whether you can retire at sixty depends far less on the size of your portfolio than on one number you actually control. (full transcript on the page)
- [How I got into the room.](https://consideratecapital.com/podcast/how-i-got-into-the-room): At twenty-three I talked my way into a firm that had never posted a job. What got me in is the same thing worth looking for in anyone who wants your trust. (full transcript on the page)
- [The firm I would have wanted for my friend.](https://consideratecapital.com/podcast/why-i-started-considerate-capital): The real origin of Considerate Capital, and what a friend taught me about what this work is actually for. (full transcript on the page)
- [Why I made this show](https://consideratecapital.com/podcast/why-i-made-this-show): A note on what A Considerate Retirement is for, and why I made it the opposite of the money media that only wants to sell you a product or scare you into it. (full transcript on the page)

## Video explainers

- [Two million dollars is not a yes or no.](https://consideratecapital.com/watch/two-million-is-not-a-yes-or-no): 6 min video explainer.
- [What a bond buffer actually does](https://consideratecapital.com/watch/what-your-bonds-are-actually-for): 3 min video explainer.
- [The firm I would have wanted for my friend](https://consideratecapital.com/watch/why-i-started-considerate-capital): 7 min video explainer.

## Topics

- [Retirement Psychology](https://consideratecapital.com/education/topics/retirement-psychology)
- [Retirement Planning](https://consideratecapital.com/education/topics/retirement-planning)
- [Behavioral Finance](https://consideratecapital.com/education/topics/behavioral-finance)
- [Taxes](https://consideratecapital.com/education/topics/taxes)
- [Purpose After Work](https://consideratecapital.com/education/topics/purpose-after-work)
- [Widowhood](https://consideratecapital.com/education/topics/widowhood)
- [Conversations](https://consideratecapital.com/education/topics/conversations)

## Feeds

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