Harness Wealth

JANUARY 29, 2025

The IRS doesnt provide a precise definition for “substantially identical” securities. Does tax-loss harvesting apply to retirement accounts? Another option is to consider investing in a similar, but not substantially identical, asset.

Taxes 52

Taxes Assets Sales Portfolio 52

Mr. Money Mustache

FEBRUARY 25, 2025

The value of the S&P 500 index of stocks, where most of us hopefully have a good chunk of our retirement savings stashed into index funds, is up about fifty seven percent in just the past two years. Does this make it more vulnerable to a huge crash in the future, and will it affect my retirement?

Marketing 66

Marketing Marketing Sales Portfolio 66

The Big Picture

JUNE 23, 2025

I mean the cut definitely got pushed out to September, right? By definition if you get a sharp slowdown that nobody saw coming, you probably do see longer term yields coming down. So, we’ll, we’ll see. Now if you get an unexpected slowdown, you could see long-term yields come down temporarily.

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Portfolio Marketing Marketing Banking 130

Wealth Management

JULY 2, 2025

Related: Celebrity Estates: The Art of Celebrity Auctions with Victoria Gray The 2025 Order didn’t mention the issue of the swap power, so there’s no definitive answer on this point, but it would appear that merely including a swap power isn’t problematic.

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Distribution Estate Planning Wealth Management Planning 207

Random Roger's Retirement Planning

JANUARY 8, 2025

I think of client/personal holding as being simple for example, while the one AQR fund in my ownership universe is definitely complex. There is probably debate about middle ground funds being simple or complex which is in the eye of the beholder.

Portfolio 40

Portfolio Clients Management Taxes 40

The Big Picture

JANUARY 21, 2025

I realized I had enough to retire if I wanted to. But learning how to spend in retirement. People definitely seem to be happier to give away money now. I’ve also, however, you know, thought about, you know, this is my retirement, right? You don’t have to spend 30, 40 years worrying about retirement.

Investments 147

Investments Investing Retirement Management 147

Indigo Marketing Agency

MAY 15, 2025

While you may leave this keyword in your keyword list, you definitely want to pinpoint more specific longer-tail keywords that speak to your specialty and targeted audience so youre not competing with every financial advisor out there. Carve Out Your Niche As an example, I mentioned the search term financial advisor above.

Financial Advisor 52

Financial Advisor Clients Media Planning 52

Random Roger's Retirement Planning

MARCH 4, 2025

I've been in the same place on Bitcoin for many years now which is that there is definitely asymmetric potential so I hold it but it could turn out to be just magic internet money that disappears one day.

Portfolio 52

Portfolio Portfolio Management Clients Management 52

Random Roger's Retirement Planning

JUNE 3, 2025

A 20% weighting to IYW over the last ten years has had 29% upcapture versus the S&P 500 while a 30% weighting had a 41% upcapture so the fund definitely punches above its weight in terms of trying to barbell returns.

Portfolio 59

Portfolio Marketing Marketing Clients 59

Harness Wealth

MAY 2, 2025

After 2025, the definition of ATI will revert to earnings before interest and taxes (EBIT) instead of earnings before interest, taxes, depreciation, and amortization (EBITDA). This redefinition can reduce the amount of deductible interest expense. This can be particularly beneficial if the taxes can be paid from non-IRA funds.

Taxes 52

Taxes Clients Insurance Distribution 52

The Big Picture

JUNE 16, 2025

So even in retirement, I should have plenty of stocks. Someone, someone said to me, can you really look through the next four years if you’re not retiring for 10 or 20 years, or if your kid’s 5 29, they’re not gonna school for 10, 15 years. The challenge is, what happens if you’re retiring in 25, 26, 27, right.

Math 130

Math Numbers Investments Investing 130

The Big Picture

MAY 13, 2025

It was not, not an unknown, like many of my, you know, retired predecessors are, you know, when they joined Vanguard in the eighties, it was really off the radar. I mean the, the GFC was definitely qualified as a crisis for our firm and the industry and investors. 00:26:16 [Speaker Changed] Yeah, well, definitely not my vision alone.

Clients 130

Clients Investments Investing Management 130

Wealth Management

JULY 17, 2025

Related: Artificial Intelligence in Asset and Wealth Management The 2025 Order didn’t mention the issue of the swap power, so there’s no definitive answer on this point, but it would appear that merely including a swap power isn’t problematic.

Taxes 130

Taxes Estate Planning Distribution Wealth Management 130

Abnormal Returns

JUNE 4, 2025

humansvsretirement.com) Retirement withdrawals What's the best retirement withdrawal strategy? whitecoatinvestor.com) Retirement A checklist for if you plan to retire in the next five years. morningstar.com) Maybe retirement should be indexed to healthspan not lifespan. It depends.

Retirement 147

Retirement Insurance Planning Investments 147

Random Roger's Retirement Planning

JUNE 22, 2025

definition. I wouldn't say I am particularly contrarian but I do think of myself as knowing when to be orthogonal to the consensus as we've looked at in countless other posts. I think it is important for a portfolio to differentiate and of course the consensus does not.by Sorry but there is nothing robust about consensus-type bonds funds.

Medical 59

Medical Portfolio Taxes Marketing 59

The Big Picture

MAY 7, 2025

And so I realized I was going to have to invest and save for my own retirement. People’s definition of long-term was too short. I happened to live in a country that, uh, doesn’t have a functioning social welfare system or safety net. You start from 2015. Gold’s done very well. Barry Ritholtz : I used to think.

Asset Allocation 147

Asset Allocation Medical Assets Management 147

The Big Picture

FEBRUARY 11, 2025

I mean it’s, it’s definitely right. Then you can retire and you can move to a small fishing village. For the banker, his definition of success, his version of a meaningful life might be creating something big, creating a bunch of jobs, creating something around his purpose, creating things of value for the fishermen.

Media 147

Media Investments Investing Assets 147

Walkner Condon Financial Advisors

OCTOBER 18, 2023

The mass media in the United States tends to oversimplify the transition from the career phase to the retirement phase of our lives. Apparently walking into the sunset on a beach or through a meadow leads directly to a rocking chair on a front porch and that is retirement? The term “retirement” seems somewhat antiquated.

Retirement 105

Retirement Financial Advisor Retirement Planning Clients 105

The Big Picture

MARCH 3, 2023

The chart shows the peak-to-trough declines of all the bear markets with the popular definition of a 20% decline, measured up until the start of the first 20% rally. It is all part of the dynamics of risk markets that by definition go up and down. Have a look at the BAML chart above. 2 The current move from 2021 highs is shown in red.

Marketing 336

Marketing Marketing Economics Portfolio 336

Nerd's Eye View

DECEMBER 6, 2023

Thus, Advice, Business, Compensation, and Securities (ABCS) are the key elements in this definition. Nevertheless, the 'securities' component of the definition has several nuanced exceptions.

Investments 247

Investments Investing Retirement Planning Financial Advising 247

The Big Picture

MAY 4, 2023

Owners tend to be fairly well off, and each incremental dollar they earn is more likely to be spent elsewhere – retirement savings, durable goods, etc. If you are a wages & labor nerd, definitely go check out the entire piece. It stays local and is likely to benefit the regional economy.

Food 364

Food Economy Retail Retirement 364

Nerd's Eye View

FEBRUARY 10, 2023

Also in industry news this week: The SEC this week released its 2023 examination priorities, which include its new marketing rule, Reg BI, and complicated investments The House of Representatives is considering legislation that would broaden the definition of who qualifies as an accredited investor and is potentially eyeing a role for financial advisors (..)

Financial Planner 246

Financial Planner CFP Certification Retirement Planning 246

Abnormal Returns

FEBRUARY 7, 2024

moontower.substack.com) Finance The SEC has expanded its definition of who is a 'securities dealer.' spyglass.org) Earlier on Abnormal Returns Personal finance links: retirement preparedness. Strategy In the long run, fundamentals matter. albertbridgecapital.com) Some classic investing lessons from Ed Thorp. hollywoodreporter.com) M.G.

Financial Advising 263

Financial Advising Media Retirement Assets 263

Nerd's Eye View

MAY 17, 2024

Also in industry news this week: The SEC this week announced a proposed rule that would require RIAs to collect and verify their clients' personal information in an effort to prevent illicit activity, though many firms likely are taking many of these steps already Why larger RIAs and those that have been acquired tend to have worse client and staff (..)

Financial Planner 238

Financial Planner Wealth Management Retirement Investment Planning 238

Nerd's Eye View

JUNE 9, 2023

Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that the House has passed legislation that would expand the definition of who qualifies as an accredited investor eligible to invest in certain private investments to include those who pass an exam designed by the (..)

Financial Planner 240

Financial Planner License Financial Advisor Retirement 240

Abnormal Returns

DECEMBER 14, 2022

Podcasts Christine Benz and Jeff Ptak talks with Jamie Hopkins of Carson Wealth about some common retirement planning questions. morningstar.com) Rest Khe Hy, "We’ve completely abandoned the concept of leisure and rest – because they are, by definition, unproductive." moretothat.com) Why you shouldn't optimize your downtime.

Investing 245

Investing Investments Retirement Planning Banking 245

The Big Picture

AUGUST 22, 2022

Workers schedule in-person days around the food offerings: burritos stuffed with soft tofu, grilled squash and zucchini; ‘I’ll definitely go in for that’ ( Wall Street Journal ). You Need Banh Mi to Get Employees Back to the Office. Falling Oil Prices Defy Predictions. But What About the Next Chapter? New York Times ). Axios ). • Axios ). •

Food 306

Food Manufacturing Government Retirement 306

Nerd's Eye View

MARCH 13, 2024

Which is, for example, why so many people opt to move to lower-tax or no-tax states like Florida or Texas in retirement, where they can enjoy lower state income taxes and preserve more of their retirement savings for use by themselves or their heirs. Read More.

Taxes 189

Taxes Compensation Planning Retirement Retirement Planning 189

Integrity Financial Planning

JUNE 29, 2023

It’s pretty easy to have a great time in retirement. If you’re looking to get the most out of retirement, what should you do? But spending time with others is important for your happiness, and now that you’re retired you can spend more time with friends or family you don’t see all the time! You’re not working.

Retirement 96

Retirement Financial Planning Budgeting Financial Advisor 96

The Big Picture

OCTOBER 28, 2023

Boston Review ) • What Mitt Romney Saw in the Senate : In an exclusive excerpt from my forthcoming biography of the senator, Romney: A Reckoning, he reveals what drove him to retire. ( We finally have a comprehensive trial, but it’s left gastroenterologists with more questions than answers. Here on Earth, there was a 1.7

Wealth Management 278

Wealth Management Banking Financial Services Assets 278

Mish Talk

NOVEMBER 16, 2022

Definitions The Civilian Noninstitutional Population is defined as persons 16 years of age and older residing in the 50 states and the District of Columbia, who are not inmates of institutions (e.g., Many boomers are retiring. Data from BLS, calculation and chart by Mish. What's Going On? Others work part time.

Numbers 227

Numbers Retirement Economics 227

The Big Picture

SEPTEMBER 18, 2024

Let me intervene first though and say there’s two different definitions of happiness that we should make sure are clear one is sort of just the day-to-day: Good mood, bad mood having you know positive emotions.

Food 277

Food Numbers Risk Tolerance Education 277

Nerd's Eye View

OCTOBER 11, 2022

We also talk about how, while she was still working for a broker-dealer, Libby learned to differentiate herself not by learning to better sell her firm’s products but instead by diving deep into contract language of her clients’ insurance and annuity policies to find the gaps where those products didn’t really fit their financial (..)

Financial Advisor 246

Financial Advisor Clients Consulting Financial Services 246

The Big Picture

JULY 24, 2024

Luck is like by definition, if you can work harder and do better at something, then it’s not luck. But if you are saying I’m going to retire in 20 years, even though that’s a long term time horizon, basically what you’re saying is I need the market to be in my favor in the year 2044. That’s great.

Math 273

Math Retirement Portfolio Economy 273

Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? A Simple IRA, or Savings Incentive Match Plan for Employees, is a type of employer-sponsored retirement savings plan that is designed to be easy to set up and maintain for small business owners. This is definitely a huge difference than the 401(k).

Retirement Planning 111

Retirement Planning Retirement Planning Taxes 111

James Hendries

AUGUST 24, 2022

Planning for retirement can seem premature when you have only been in the workforce for a decade or so. But as the oldest Millennials begin to hit middle age, retirement suddenly does not seem so far away. Here are five things Millennials should consider when planning for retirement. The Earlier You Start, The Less You Need.

Retirement Planning 52

Retirement Planning Retirement Planning Asset Allocation 52

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. And definitely, their retail market participation is significantly lower than you can see in the U.S. So I was definitely looking for something more entrepreneurial. So that was definitely one of the key drivers.

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Clients Investments Investing Management 162