Diamond Consultants

OCTOBER 10, 2023

Plus, they’re flexible with how they price relationships including planning retainers and subscription fees. For instance, they bill on ALL assets (including 401ks not custodied at their firm) and get paid on all accounts regardless of size.

Math 52

Math Recruitment Consulting Clients 52

Advisor Perspectives

MAY 1, 2024

A lot of financial planning software today is built to solve math problems, but what advisors really need to do is solve human problems.

Math 52

Math Clients Financial Planning Planning 52

Abnormal Returns

NOVEMBER 9, 2022

evidenceinvestor.com) Aging Blair duQuesnay, "The math for accumulation and savings is very different from decumulation and spending." financial-imagineer.com) Morningstar ($MORN) rates the best state 529 plans. (wealthfoundme.com) Bear markets affect different classes of investors in different ways. tonyisola.com).

Math 248

Math Investing Investments Planning 248

Walkner Condon Financial Advisors

JUNE 2, 2023

The importance of getting women into financial planning feels like it should go without saying. Alicia’s Experience One of my earliest experiences when I first decided to get into financial planning was participating in the Financial Planning Association’s Externship Program in the summer of 2020.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

Nerd's Eye View

MARCH 21, 2023

Brenda is a financial planner with Objective Financial Partners, an advice-only advisory firm based in Ontario, Canada, that works with clients on project-based financial plans, and also offers outsourced paraplanning to other Canadian advisory firms. My guest on today's podcast is Brenda Hiscock.

Financial Advice 245

Financial Advice Insurance Financial Advisor Financial Planning 245

Nerd's Eye View

NOVEMBER 30, 2023

As a starting point, the positive math of raising advisory fees is relatively straightforward, primarily because it avoids the same resource-intensive investment and ongoing costs that accompany other growth strategies, such as implementing new technology solutions or hiring additional staff.

Math 178

Math Clients Financial Advisor Communication 178

The Big Picture

JULY 20, 2023

At least, if you are a smart investor who does the right things: Set up a financial plan, manage your own behavior, engage in long-term thinking, and avoid reacting to the endless daily noise that markets + media generate. My obvious bias is that my advisory firm charges clients to create financial plans and manage their assets.

Math 186

Math Financial Planning Assets Management 186

The Big Picture

DECEMBER 12, 2022

Yet the fundamental math of bond returns bodes well for 2023, our columnist says. ( Apple Plans New Encryption System to Ward Off Hackers and Protect iCloud Data : ‘Advanced Data Protection’ will offer end-to-end encryption on iCloud backups, Notes, Photos and other services—a step that may draw ire from law enforcement. Economist ).

Math 294

Math Economy Communication Economics 294

The Big Picture

MARCH 23, 2024

By Pouring Billions Into Public Housing : One quarter of residents in the French capital live in government-owned housing, part of an aggressive plan to keep lower-income Parisians — and their businesses — in the city. [link] • How Does Paris Stay Paris? Hope came cheap enough, but I was also realistic. Here’s a gentle primer.

Math 177

Math Commission Insurance Government 177

The Big Picture

SEPTEMBER 10, 2022

KCP Group ). • Your Career Is Just One-Eighth of Your Life : Five pieces of career advice, shaped by economics, psychology, and a little bit of existential math. ( Here are some of the most interesting things I found. ( The Atlantic ). • One Brain Molecule Decides.

Math 300

Math Wealth Management Accounting Media 300

The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. 24, 2023 _ 1: In particular, why average outperforms over the long run; Sommers credits not making errors (via Charlie Ellis’ “Winning the Loser’s Game”) but the nuance and math are fascinating. The less it matters, the easier it is to be bold and outside of the mainstream.4

Marketing 293

Marketing Marketing Math Retirement Planning 293

Integrity Financial Planning

JULY 6, 2022

New statements may make it easier to see what you have, but what should you focus on when making a retirement income plan? Having an income plan is key for your retirement planning. Having an income plan is key for your retirement planning. Look at the math to understand and believe it.

Retirement 95

Retirement Retirement Planning Math Financial Planning 95

Abnormal Returns

FEBRUARY 24, 2024

grist.org) Hybrids Doing the math on a hybrid vs. conventional ICE. climate.gov) A civic sustainability plan is no small thing. EVs Mercedes Benz is pushing out the date it will go full EV. theverge.com) Why EV-only companies are struggling. wsj.com) More EVs make for less asthma. bestinterest.blog) Just how green are hybrids?

Food 176

Food Math Financial Advising Media 176

Integrity Financial Planning

FEBRUARY 3, 2023

Next, let’s face it, not all of us are exceptional when it comes to math. Taxpayers should always confirm that their math is correct, as this is one of the most common mistakes made when filing. [1] It’s also not a bad idea to review the bank account numbers you included (some of those digits can be lengthy!).

Taxes 82

Taxes Math Accounting Medical 82

Nerd's Eye View

FEBRUARY 21, 2023

Danqin is a Lead Advisor for Austin Asset, an independent RIA based in Austin, Texas that oversees more than $1.3 billion in assets under management for nearly 400 client households.

Financial Advisor 130

Financial Advisor CFP Financial Planner Education 130

Getting Your Financial Ducks In A Row

OCTOBER 31, 2022

Even though it’s been decided that it was politically incorrect, one popular baby-boomer who is now age 63 once admitted that math is tough (Barbie, of the doll fame, who actually admitted that “Math class is tough”). There’s no shame in admitting that factor – for a lot of us, math can be very tough.

Math 113

Math Investing Investments Retirement 113

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 95

Math Education Management Taxes 95

Integrity Financial Planning

JANUARY 23, 2023

3] So, it’s easy math: the less you work, the less you’ll earn. Lastly, it is crucial that individuals planning to earn Social Security monitor their earnings and check for mistakes once enrolled. In fact, your benefit amount is based on the average of your 35 highest-earning years. [3]

Retirement 89

Retirement Math Retirement Planning Financial Planning 89

Random Roger's Retirement Planning

DECEMBER 17, 2023

Yahoo warned of potential problems retirees may face if their plan is to rely solely on Social Security. Simple math is that this person needs to save $23/yr to come up with that additional $350,000. But simple math tells you that adding $5000/yr likely won't cut it. 5000 per for 15 years is $75,000.

Retirement 70

Retirement Math Insurance Taxes 70

Carson Wealth

FEBRUARY 22, 2023

Optimizing your 401(k) is a mix of planning, saving for the future and self-awareness, but it’s simpler than you think. Let’s look at a few 401(k) planning basics to get you started.  1.  Understand Your Plan The best kind of money isn’t old, new or even tax-advantaged – it’s  free  money! Not an Afterthought Life gets busy.

Retirement 98

Retirement Taxes Planning Math 98

Brown Advisory

AUGUST 1, 2019

The Long Game: Roth Conversions & Legacy Planning ajackson Thu, 08/01/2019 - 14:51 Legacy planning is all about transferring wealth to descendants as efficiently as possible. From a legacy planning standpoint, two distinctions are especially important: Roth IRAs do not require their owners or spouses to take mandatory distributions.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

The Long Game: Roth Conversions & Legacy Planning. Legacy planning is all about transferring wealth to descendants as efficiently as possible. From a legacy planning standpoint, two distinctions are especially important: Roth IRAs do not require their owners or spouses to take mandatory distributions. Thu, 08/01/2019 - 14:51.

Planning 52

Planning Distribution Taxes Accounting 52

Trade Brains

DECEMBER 7, 2023

The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio. Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

The Big Picture

FEBRUARY 21, 2024

Barry Ritholtz : We’ve discussed before, any decision or plan we make requires not 1, but 2 judgments. We tend to focus on our plans, the scenario. Um, we should expect the unexpected, We should be sure to think about what typically happens to other people and have plan Bs and plan Cs for when those sorts of things can happen.

Media 141

Media License Planning Economics 141

The Irrelevant Investor

NOVEMBER 11, 2018

By Nick Maggiulli The fact that high beta firms tend to have lower quality and higher financial leverage is perhaps one good reason why the outperformance in bull markets is more than erased during bear markets By David Varadi Real math is painfully precise. Investment finance math is sales math.

Math 52

Math Economics Economy Numbers 52

Random Roger's Retirement Planning

JULY 8, 2023

That is difficult to pull off but if you do the math on that it shows long term outperformance. A 25% allocation to equities for someone who needs equity market growth for their plan to work won't get it done. 75/50 seeks to capture 75% of the upside with only 50% of the downside.

Asset Allocation 62

Asset Allocation Math Portfolio Assets 62

Random Roger's Retirement Planning

JUNE 22, 2023

And then just a little math, the "guarantee" based on the 50/50 allocation would be 2.5% If you're trying to do something as simple as 50% in T-bills now yielding 5% and one equity proxy, don't make that one equity proxy a narrow bet like tech stocks. SSO is 2X S&P 500 and SPHB is the Invesco S&P 500 High Beta ETF.

Math 61

Math Portfolio Investing Investments 61

Random Roger's Retirement Planning

APRIL 22, 2024

The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. I've been like a broken record for years on the need to avoid bonds that have any sort of duration or at least be extremely underweight duration versus the typical benchmarks.

Marketing 87

Marketing Marketing Financial Advising Math 87

Random Roger's Retirement Planning

FEBRUARY 29, 2024

The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. The diversification benefits of intermediate and longer term bonds is not what it used to be. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 75

Marketing Marketing Math Portfolio 75

Yardley Wealth Management

JULY 20, 2022

James and Pamela’s Big Dream Excerpt from The Smart Person’s Guide to Financial Planning & Investments: A Simple and Straightforward Approach to Understanding Your Personal Finances By Michael J. Their retirement plan is strong, their kids are independent, and they are debt-free. So—problem solved, right? Well, actually, no.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Darrow Wealth Management

SEPTEMBER 7, 2023

So the choice ultimately has to be an educated guess in consideration with other key factors about your equity, post-IPO plans, and financial situation. When a pre-IPO exercise is off the table At Darrow Wealth Management, we specialize in planning for a sudden liquidity event , typically from stock options following an IPO or acquisition.

Wealth Management 94

Wealth Management Taxes Tax Planning Valuation 94

Clever Girl Finance

JULY 18, 2022

Do the math of your raise. Some quick math will reveal exactly how much extra income you’ll be working with in your monthly budget. The trap of short-term gratification in the form of luxury convenience can delay your plans to get out of debt, save for a down payment, or retire. Is it an essential item?

Budgeting 108

Budgeting Math Accounting Retirement 108

David Nelson

OCTOBER 31, 2022

This was such a sore point that pension plans lobbied for the index providers to not include SNAP in an index. Do the Math! Do the math! They didn’t want to be forced to buy a company that so blatantly stepped on shareholder rights. Facebook has two shareholder classes. According to SEC filings Mark owns 13.6%

Communication 98

Communication Math Economy Management 98

The Irrelevant Investor

MARCH 18, 2020

The math behind lump sum over dollar-cost averaging has been settled, but this is a time where emotions matter more than spreadsheets. What's critical is that you don't just make mental plans to get back in, you have to write them down.

Math 52

Math Portfolio Investing Investments 52

Random Roger's Retirement Planning

FEBRUARY 6, 2024

Assuming a "normal" exposure to equities is appropriate for the end user, the majority of the portfolio would be in plan vanilla equities whether that means one or two broad based index funds or a narrow based portfolio comprised of individual stocks and narrow based sector/industry ETFs. It is important to understand the math though.

Portfolio 64

Portfolio Math Management Investing 64

Darrow Wealth Management

MAY 22, 2023

But before proclaiming cash is king and parking your money in an FDIC insured bank account, consider your time frame and how you plan to use the money. Again just using simple math, this presumes the par value will roll over each month and reinvest at the same rate to get to the annual yield. Hold cash or invest? 467% a month.

Investing 90

Investing Investments Wealth Management Accounting 90

The Irrelevant Investor

SEPTEMBER 19, 2020

How to think about it, how to plan for it, and everything in-between. Saving for college We put all of our kids through college with a fairly simple, but rigorous plan. Yesterday Ben and I did a show on retirement. We got some great feedback and ideas that I thought were worth sharing.

Retirement 52

Retirement Math Education Planning 52