Diamond Consultants

OCTOBER 10, 2023

When it comes to the services they provide to clients, advisors layer in activities such as tax preparation, estate planning, and concierge services to not only satisfy growing client requirements but also to justify a fee increase or generate new sources of revenue.

Math 52

Math Recruitment Consulting Estate Planning 52

The Big Picture

FEBRUARY 17, 2023

Wall Street Journal ) • From Math Camp to Handcuffs: FTX’s Downfall Was an Arc of Brotherhood and Betrayal : Gary Wang and Sam Bankman-Fried are offering dueling accounts of the FTX fiasco and of who’s ultimately to blame. Most economic downturns hit lower-income Americans hardest, but this time is different. Here’s your investing playbook.

Math 281

Math Advertising Food Retail 281

The Big Picture

NOVEMBER 27, 2023

This is before we get to the issue of capital gains taxes, which create a hurdle of (minimum) 20% on those pesky profits just to get to breakeven. 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.

Marketing 296

Marketing Marketing Math Retirement Planning 296

Mullooly Asset Management

JULY 28, 2022

” In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions. In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions.

Distribution 52

Distribution Accounting Math Retirement 52

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

The Big Picture

FEBRUARY 10, 2023

Bloomberg ) • How Florida Beat New York : People are leaving superstar blue cities and moving to red states — its more than better weather ands lower taxes, its much cheaper housing costs. ( Businessweek ) • The Super Bowl’s Most Reliable Stock Market Indicator? technology into its search engine. (

Math 164

Math Engineering Manufacturing Investing 164

The Big Picture

OCTOBER 23, 2023

Your grandchildren will blame the toxic combination of incompetency and ideology for the massively increased carrying costs of unfunded spending and tax cuts. Note that we undertook much of the work anyway (airports, electrical grid, roads, etc.), just decades later at a much greater cost. All simply unnecessary.

Government 330

Government Economics Taxes Budgeting 330

Cornerstone Financial Advisory

JANUARY 8, 2024

The interactive tax assistant tool can also help to determine your filing status and any relevant credits you should (or should not) claim. Math errors: Simple addition and subtraction mistakes can delay your return. Consider using electronic filing software that does the math automatically to avoid mistakes.

Marketing 80

Marketing Marketing Taxes Economics 80

Carson Wealth

FEBRUARY 22, 2023

A million dollars breaks down into an annual amount of about $30,000 over 30 years (not counting taxes, etc.). Understand Your Plan The best kind of money isn’t old, new or even tax-advantaged – it’s  free  money! Two of the most popular are Traditional and Roth 401(k), which are primarily different because of tax treatment.

Retirement 98

Retirement Taxes Planning Math 98

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. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 75

Marketing Marketing Math Portfolio 75

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. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Marketing 78

Marketing Marketing Financial Advising Math 78

Darrow Wealth Management

SEPTEMBER 7, 2023

Pros and cons of exercising stock options in a pre-IPO window If you are new to the tax implications and basics about exercising stock options, please read this article first. Unfortunately, for those tax savings to materialize, the post-IPO stock price at sale must be considerably more than the pre-IPO valuation at exercise.

Wealth Management 94

Wealth Management Taxes Tax Planning Valuation 94

Random Roger's Retirement Planning

DECEMBER 17, 2023

These items for us include things like propane delivery (we could pay monthly), property tax and so on. 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. BTW, I mean that literally, it is all on a spreadsheet.

Retirement 70

Retirement Math Insurance Taxes 70

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

Darrow Wealth Management

OCTOBER 1, 2022

However, if the goal is to pay off a mortgage before retirement to spend would-be mortgage payments on other things during retirement, the math may not work out. After-tax cost of borrowing and hurdle rates. Without itemizing, most charitable gifts carry no tax benefit for example. The after-tax return on a 5% investment is 3.8%

Retirement 81

Retirement Taxes Math Wealth Management 81

Carson Wealth

MARCH 2, 2023

After you’ve done this math, you might be wondering if you have “enough,” and certainly that’s hard to assess when there are so many unknowns. Understand Your Tax Situation It’s easy to forget about managing taxes in retirement, but the old adage applies: It’s not what you make, it’s what you keep.

Retirement 98

Retirement Taxes Financial Advisor Accounting 98

Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Math 72

Math Portfolio Marketing Marketing 72

Zajac Group

AUGUST 11, 2022

However, a down stock price might mean that you could score some tax breaks if you exercise and hold some of those ISOs. When the price is down, the move might help minimize alternative minimum tax (AMT). Controlling additional shares bought outright, coupled with a disqualified ISO sale, may result in a higher after-tax value.

Taxes 52

Taxes Sales Numbers Investing 52

Mish Talk

NOVEMBER 19, 2022

The owner got to know Mr. Bankman-Fried’s father, Stanford tax-law scholar Joseph Bankman, during his visits to Nassau to spend time with his son. Before the company collapsed, FTX staffers frequented Island Brothers, an upscale French bistro a stone’s throw from the company’s headquarters, restaurant employees said.

License 227

License Assets Accounting Math 227

MazumaBusinessAccounting

JUNE 29, 2020

It may not sound like the most exciting thing, especially if you don’t consider yourself a “math person”, but let’s face the facts, bookkeeping is essential for the success of any small business. Do you dread tax season? Did you know that poor bookkeeping, or lack thereof, is one of the top reasons small businesses fail?

Math 83

Math Accounting Medical Budgeting 83

Random Roger's Retirement Planning

NOVEMBER 21, 2023

The webinar talked about the future of model portfolios transitioning from a combo of ETFs for passive and mutual funds for active to include more direct indexing to allow for "tax optimization." So using simple math, the total return is 34% versus 72% for the common. Based on an initial price for NVDY of $20, the $4.53

Portfolio 73

Portfolio Asset Allocation Math Compliance 73

Random Roger's Retirement Planning

FEBRUARY 6, 2024

It is important to understand the math though. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Then a small slice into one or two holding you believe to be reliably negatively correlated to equities.

Portfolio 64

Portfolio Math Management Investing 64

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Some people need a second act that pays in order to make their retirement math work. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. If you think that might describe your situation, don't sit around waiting to start working on this.

Retirement 40

Retirement Math Government Taxes 40

Investing Caffeine

FEBRUARY 1, 2022

Math Matters. I did okay in school and was educated on many different topics, including the basic principle that math matters. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision.

Math 52

Math Assets Investing Investments 52

Clever Girl Finance

AUGUST 14, 2022

Self-employment tax. Another sinking fund example would be a fund you set up for your taxes. If you run your own profitable business, you can expect to owe money to the IRS in the form of self-employment tax. It also gives you the math formula to find the information you need if you prefer. Omni calculator.

Budgeting 99

Budgeting Accounting Medical Math 99

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. So that's quite a bit to chew on even if it isn't a new idea. Is he right? Is he wrong?

Retirement 47

Retirement Math Management Taxes 47

Yardley Wealth Management

JULY 20, 2022

We’d look at the asset allocations of their portfolios and whether they’re tax-deferred, tax-exempt, or taxable. The math is the easy part, but James and Pamela have never really had a conversation on what their dream will look like—or even to what extent they both share it. So—problem solved, right? Well, actually, no.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Random Roger's Retirement Planning

FEBRUARY 1, 2024

The 75/50 captures 75% of the upside with only 50% of the downside, the math on that works out favorably over the long term. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. I have 75/50 in mind as sort of a benchmark.

Portfolio 40

Portfolio Math Assets Taxes 40

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Covered call funds have many favorable attributes.

Retirement 69

Retirement Accounting Math Healthcare 69

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. You can choose whether to use a gross figure or your actual take-home pay after taxes. The first part (28) means you should aim to spend no more than 28% of your income on your total house payment, including taxes and insurance.

Numbers 75

Numbers Assets Retirement Budgeting 75

Darrow Wealth Management

MAY 22, 2023

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. On a monthly basis, for simplicity, let’s assume this equates to an interest rate of roughly.375%. Compare that to the stated yield of 5.6% on a 1-month T-bill, which is roughly.467% 467% a month.

Investing 90

Investing Investments Accounting Wealth Management 90

The Big Picture

FEBRUARY 6, 2024

You wouldn’t be surprised to learn the tax consequences of owning a mutual fund is a part of it. I’d say management consulting is any of the other thing that least at that time was the other career trajectory, just my personality, more of a math oriented introvert. Really fascinating guy. So I was at Harvard.

Valuation 130

Valuation Investing Investments Assets 130

Brown Advisory

AUGUST 1, 2019

Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well. RMDs from a traditional IRA are taxed as ordinary income.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well. RMDs from a traditional IRA are taxed as ordinary income.

Planning 52

Planning Distribution Taxes Accounting 52

Random Roger's Retirement Planning

MAY 18, 2023

If it is going to happen, it won't be for ten years +/-, plenty of time to factor that into your math. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. There is simply no way that a cut in Social Security payouts should catch anyone off guard.

Retirement 73

Retirement Wealth Advisor Math Medical 73

Abnormal Returns

SEPTEMBER 20, 2023

Home ownership How to make the math behind home ownership work (or not). etf.com) Taxes It's time, once again, to start thinking about how to shrink an estate. humbledollar.com) How to calculated the real, after-tax returns on cash. morningstar.com) What happened in 1990 to drive real housing prices higher?

Math 262

Math Taxes Portfolio Investing 262

Walkner Condon Financial Advisors

JUNE 2, 2023

In this regard, financial planning seems to differ from science, technology, engineering and math (STEM) careers where many women leave their jobs in their mid-thirties after a few years of experience on the job.” Once women achieve their CFP® certification, the rate of relinquishment is extremely low.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98