eMoney Advisor

MARCH 16, 2023

The problem was that I couldn’t give these younger clients the time of day in that setting because they didn’t have enough investable assets yet. Tax and insurance advice was also somewhat constrained. They’ve been able to access any information, any time. I knew these clients were being overlooked.

Financial Planning 88

Financial Planning Planning Clients Retirement 88

Random Roger's Retirement Planning

FEBRUARY 29, 2024

Flow Financial Planning blogged about something it calls Coast FIRE. It's a play on FIRE which stands for financial independence/retire early. We've looked at this quite a few times favoring the idea of achieving some measure of financial independence but not so much actually retiring early. Additionally on this point.

Retirement 83

Retirement Assets Portfolio Financial Planning 83

FMG

FEBRUARY 20, 2024

They want clients and prospects to see their posts and interact with them, whether it’s through comments, reactions, or sharing. For advisors, there’s one season out of the year that creates a buzz and is the perfect time to boost engagement: tax season. 5 Tips to Engage Prospects During Tax Season 1.

Taxes 52

Taxes Media Clients Engineering 52

Random Roger's Retirement Planning

NOVEMBER 15, 2023

Over the many years of blogging here and elsewhere I've chronicled my adventures in health insurance and the occasions when we've had HSA eligible insurance. Contributions can be deducted from your income and you can take money out without tax or penalty for qualified medical expenses. With the HSA contribution we save $2000 in taxes.

Insurance 72

Insurance Taxes Medical Accounting 72

Random Roger's Retirement Planning

APRIL 10, 2024

Allison Schrager wrote an article for Bloomberg last week that Wall Just Doesn't Get It On Retirement. I shared on Facebook noting that Schrager suggested better and cheaper annuity products and that given how undersaved we collectively are, it may come to more annuity products. Once they hit 80, they cannot sell it.

Portfolio 69

Portfolio Asset Allocation Retirement Taxes 69

Walkner Condon Financial Advisors

APRIL 26, 2024

Additionally, couples that manage their money independently from each other are five times more likely to separate due to money issues. The good news is that as an engaged or recently married couple, you and your partner are in a perfect place to talk about how to handle your money as you begin your life together. What about debt?

Accounting 104

Accounting Financial Advisor Retirement Budgeting 104

The Big Picture

JANUARY 9, 2024

Nobody in the world writes about markets, finance derivatives, hedge funds, you name it, the way Matt does. And it’s why he has such an amazing following. You you’s not the first time you’ve heard Matt Levine : 00:02:37 This?  The transcript from this week’s, MiB: Matt Levine on Money & Stuff , is below.

Retail 130

Retail Banking Math Management 130

Random Roger's Retirement Planning

AUGUST 14, 2023

It's a legitimately funny commercial. I thought about that commercial this morning reading the daily email from ETF.com that talked about hedging equity exposure with a couple of ETFs that overlay covered call strategies and the Invesco S&P 500 Downside Hedged ETF (PHDG). There's a series of them and they're all pretty funny.

Portfolio 60

Portfolio Taxes Clients Investing 60

Random Roger's Retirement Planning

MARCH 6, 2024

At high level, it has never made sense to me that one wrapper could be the best way to capture every segment of the market. I haven't used this term in a while here but I am very much wrapper agnostic when it comes to individual issues, ETFs and mutual funds. If I was lucky, I'd learn some things which I am very interested in doing.

Portfolio 79

Portfolio Clients Sales Education 79

Random Roger's Retirement Planning

FEBRUARY 7, 2024

Larry Swedroe wrote a post about recency bias but I would describe it more as going through the arc of owning an alternative strategy that is doing very well then holding on for a few years where it struggles and then catching the bounce back to a great year. SRRIX lost -11.35% in 2017, -6.14% in 2018 and -4.47% in 2019."

Taxes 58

Taxes Portfolio Clients Investing 58

Random Roger's Retirement Planning

APRIL 22, 2024

This blog has pretty much evolved into 100 ways to build a portfolio without bonds. An individual 20 year treasury bond bought when yields were at their lowest will return 100 cents on the dollar when it matures in 2040. There is nothing that says TLT must get back to the $171 dollars it traded at in 2020.

Marketing 85

Marketing Marketing Financial Advising Math 85

Gen Y Planning

MARCH 8, 2023

With the growing popularity of remote work, it’s no surprise that we see people all over TikTok and Instagram living their best lives abroad. This can create some serious FOMO and burning questions about how these full-time travelers can fund their Insta-worthy vacations. While you’re abroad, what do you want to do with your time?

Taxes 98

Taxes Transportation Planning Food 98

Random Roger's Retirement Planning

NOVEMBER 7, 2023

It was down again on Tuesday, still trading well under a buck. Just over a year ago, summer 2022, I wrote a few blog posts about the Return Stacked 60/40 Absolute Return Index. As you can see from this image from a blog post in July, 2022 , CYA had a 3% weighting. I play around with stuff on Portfoliovisualizer all the time.

Portfolio 63

Portfolio Management Taxes Clients 63

eMoney Advisor

JANUARY 31, 2023

The subject matter at the time was focused on investment and economic updates. That’s when we made the switch to begin talking to clients about the topics that matter to them. Overall Process Conducting a dedicated program is a commitment and it requires the resources to keep it fresh and relevant.

Education 103

Education Financial Planning Clients Planning 103

Ballast Advisors

OCTOBER 10, 2023

But before we dive headfirst into the festivities, we need to talk about something serious – expenses. consumers overall have cut back on spending this year (and they plan to continue to do so through the holidays), it’s good to explore some strategies for how to best budget through the end of the year. While research says U.S.

Planning 52

Planning Budgeting Taxes Financial Planner 52

Carson Wealth

SEPTEMBER 8, 2022

I know it seems counterintuitive. In this scenario, it makes sense to claim on your own Social Security benefits as soon as they’re available at age 62. But wait … it’s 2022. But that’s okay, it’s not time to panic. Doing so would give your investment portfolio some time to recover with the market.

Financial Advisor 98

Financial Advisor Portfolio CFP Planning 98

Nationwide Financial

OCTOBER 18, 2022

There are two types of 529 plans—each with its own advantages. Talking to your clients about their children or grandchildren’s college plans as well as their own financial goals can help when deciding what type of 529 plan in which to invest. How Financial Professionals Can Help Clients Save for College: 529 Plans.

Clients 98

Clients Planning Education Taxes 98

Integrity Financial Planning

NOVEMBER 28, 2022

Whether you’re looking to roll over a 401(k), optimize your withdrawal timing, or take advantage of catch-up contributions, your IRA strategy may be one of the main components of your income strategy. So, let’s talk about the Roth IRA and its unique value at the end of the calendar year. Why Open a Roth at the End of the Year?

Retirement Planning 88

Retirement Planning Retirement Taxes Accounting 88

Walkner Condon Financial Advisors

MAY 1, 2023

Let’s talk about stock options that private companies offer and go through the pros and cons of each. Common Types of Equity Compensation for Private Companies In younger private (or “pre-IPO”) companies it is common to be offered stock options, Restricted Stock, Restricted Stock Units, or several other types of equity compensation.

Taxes 98

Taxes Startup Planning Valuation 98

Zoe Financial

APRIL 21, 2023

However, it’s time to teach them how to become financially independent, which is no easy task. Your child can also become a high-earner at an early age, and it starts with negotiation. Having children is one of the most fulfilling experiences of our lives, it’s a milestone. The missing piece?

Taxes 75

Taxes Financial Advisor CFP Retirement 75

Sara Grillo

FEBRUARY 2, 2024

I wrote this blog in response to a question I got from a financial advisor. But first… For those of you who are new to my blog, my name is Sara. Create a blog, and SEO optimize that blog (I’m going to cover SEO basics that later this week) on each of the following topics. “ I just moved to a new city.

Clients 52

Clients Financial Advisor Media Consulting 52

Random Roger's Retirement Planning

DECEMBER 17, 2023

Anyone who seeks out financial content from an obscure blog like this one is far more likely to know their expected SS payout, what it would be if they take it early and what it would be if they hold out until 70. BTW, I mean that literally, it is all on a spreadsheet. Knowing this is crucial.

Retirement 68

Retirement Math Insurance Taxes 68

eMoney Advisor

FEBRUARY 1, 2023

You’ve likely heard the saying, “what doesn’t kill you makes you stronger,” and whether it’s from the original translation of Nietzsche or the more recent adaptation by Kelly Clarkson, it’s an outlook that continues to resonate within American culture. Our prior experiences and exposures around money (e.g.,

Clients 93

Clients Financial Planner Financial Advisor Financial Planning 93

Random Roger's Retirement Planning

DECEMBER 24, 2023

The Social Security Administration wants us to know how much we should be receiving when our time comes. We say that all the time here and they just changed things around, for the better IMO, to try to help us better understand the program. Now it shows the amount for each age that you could start to take it.

Insurance 67

Insurance Taxes Medical Planning 67

Random Roger's Retirement Planning

FEBRUARY 21, 2024

First a followup to yesterday's post about return stacking and the notion of the free 10% that Corey isolated in his blog post. Used in a manner like we described yesterday or other approaches, the portfolio can maintain its 60/40 stocks/bonds mix and then "add alternatives on top" is how I think I've heard them describe it.

Portfolio 66

Portfolio Clients Taxes Banking 66

Clever Girl Finance

AUGUST 2, 2023

Perhaps you imagine quitting your job one day to take your business full-time, or maybe you just need to make a little extra money in your spare time. Table of contents What exactly is a side hustle and how can it benefit you? What exactly is a side hustle and how can it benefit you? You may find surprising results.

Business Planning 94

Business Planning Planning Food Budgeting 94

Random Roger's Retirement Planning

JANUARY 22, 2024

Here's an interesting Tweet and yes, I am sticking with calling it Twitter/Tweets. Basically 1x and 2x inverse funds and the hope that gold would maintain its negative correlation in the face of a large decline. I also had gold (added managed futures a little later) and it too helped somewhat.

Portfolio 63

Portfolio Accounting Clients Portfolio Management 63

Random Roger's Retirement Planning

FEBRUARY 10, 2024

Barron's took on the 4% rule for retirement withdrawals and looked at ways to tweak it to be more flexible. That may not be a great description, read it for yourself but there was a useful question that I think is becoming more relevant. So this made me curious about 6% and I sort of found it.

Numbers 77

Numbers Portfolio Retirement Clients 77

eMoney Advisor

APRIL 4, 2023

1 But have you been putting any effort into ensuring you will continue to work with the heirs of this wealth when your older clients hand it over? The Impact of Wealth Transfer Wealth transfer and its subsequent retention are not easy. One of the surest ways to mishandle wealth is a lack of preparation.

Education 97

Education Financial Advisor Clients Planning 97

Validea

JULY 26, 2023

Of course, all these things matter and play an important role, but for most of us who invest I would argue it’s the power of compounding over long periods of time that is the most powerful force in building wealth. As they say, time in the market is far more important than trying to time the market.

Taxes 52

Taxes Investing Investments Assets 52

Validea

JULY 26, 2023

Of course, all these things matter and play an important role, but for most of us who invest I would argue it’s the power of compounding over long periods of time that is the most powerful force in building wealth. As they say, time in the market is far more important than trying to time the market.

Taxes 52

Taxes Investing Investments Assets 52

Clever Girl Finance

NOVEMBER 8, 2022

Although the amount you invest might start out small, it can be a turning point in your finances. Once you have a better understanding of investing, you will feel more comfortable as an investor growing your investments over time. With investing, you are able to grow your money over time and keep the powers of inflation at bay.

Investing 98

Investing Investments Risk Tolerance Accounting 98

Random Roger's Retirement Planning

APRIL 23, 2023

The Atlantic had what I would describe as a very left leaning article about lowering the retirement age in the US while increasing payroll taxes to pay for it and to cover the expected shortfall in Social Security due to hit in 10-12 years. It is not logical to me to agree with everything one political ideology believes in.

Retirement 68

Retirement Planning Advertising Budgeting 68

Sara Grillo

OCTOBER 21, 2022

In this blog, I interview paraplanning professionals to get their take on what the role is, what it pays, and what it potential is for someone who wants to get a job as a financial paraplanner, possibly as a stepping stone to other wealth management jobs. For those of you who are new to my blog/podcast, my name is Sara.

Insurance 98

Insurance Financial Planner Fee Only Financial Advisor 98

Random Roger's Retirement Planning

MARCH 29, 2024

Trying to add alpha (as described, you'll see that referred to occasionally as 'portable alpha') comes down to picking the right stock or narrow ETF or getting the timing right for a crypto. The way I backtested it, Portfolio 1 in each instance is 100% VBAIX. Return Stacked currently has three funds. Looking at RSSB.

Portfolio 78

Portfolio Asset Allocation Management Assets 78

Zoe Financial

DECEMBER 23, 2022

Reading Time: 6 minutes. Reading Time: 6 minutes. As 2022 draws to a close, do you ever wonder what the wealthy do in times like these? As 2022 draws to a close, do you ever wonder what the wealthy do in times like these? As 2022 draws to a close, do you ever wonder what the wealthy do in times like these?

Insurance Coverage 52

Insurance Coverage Taxes Insurance Financial Advisor 52

Sara Grillo

FEBRUARY 23, 2024

That is why I wrote this blog about financial advisor technology tips for those who are not the best with things computer-related. You may have granted a third party (IT person, marketing consultant, old employee) the right to access to your online assets such as: Website Email software (I.e., Easy + free = works for me! #3

Financial Advisor 52

Financial Advisor Media Assets Accounting 52