Cash Balance Plans Offer $250K Tax Deductions for High Earners
There’s a lesser-known retirement plan for high earners that almost nobody uses If you’re earning mid six figures or higher, this plan can potentially unlock a $250K+ tax deduction each year Here’s a simple explanation of how a cash balance plan works:
Embrace Volatility: Zoom Out and Grow Wealth
Volatility is the cost of admission to grow your wealth. At the end of this video, I share three practical tips on how to help deal with (or ignore) the volatility. ‘If in doubt, zoom out’ Comment ‘Guide’ for my...
How to Cut Losing Trades Effectively
A new article from Clare Flynn Levy, co-author of Stock Market Maestros She gives some good pointers on getting better at cutting losers https://t.co/FxxUrgSMHp https://t.co/v81v411yzC
Buy the Dip, Stay Invested, Reap Profits
Buy the Dip. Always. 📉➡️📈 History proves it — 2008 crash, COVID, wars, elections… markets always recover. ✔️ Those who bought the dip → made profits ✔️ Those who panicked → missed it Last 2–3 days = proof again My portfolio is up ~10% already 🚀 Simple...
Even $400K Earners Need Work‑Life Balance
She's earning $400K a year. Top performer. 12-hour days. 8 years running. She came to me and said: "I want to stop this madness before the kids stop needing me." "Can I afford it?"
Consistent Small Wins Beat Chasing the Next Amazon
The biggest misconception I see re investing is this idea that you need to find “the next Amazon” or “the next Nvidia” or whatever. Frankly this is one progenitor of exceptional returns but just one. It seems far easier to...
Millionaires' Private Conversations Defy Common Stereotypes
Nearly a decade of sitting across from millionaires. Hearing what they actually say when the door closes. Most of it doesn't match what people assume.
Extreme Frugality and Tracking Turned Debt Into Wealth
CRAZY SHIT I DID: to go from $80k in debt to millionaire - Lived in cheapest rental home my wife could stand - Spent 1000s of hours studying money & investing - Sold my Range Rover & got a 2012 Toyota Prius -...
Unlock Early 401k Access for Tax‑Free Retirement
Many finance influencers say "get your 401k match, then invest in a brokerage" Main argument is that you can retire early with brokerage I disagree because you can access your 401k early with 72t SoSEPP, or Rule of 55. If you're a high...
Stay Calm: Investor Habits for Volatile Markets
The best investors stay calm when markets are volatile, and these financial habits can help you stay the course. https://t.co/hO1oDA3Gyi
ISOs Offer Wealth Potential, But Tax Risks Loom
For clients receiving Incentive Stock Options (ISOs) as part of their compensation, the potential for wealth creation can be significant – but so too is the risk of adverse tax consequences if not handled properly. https://t.co/YA6mBVn0qA #ISOs
Rising Bond Supply Threatens Tight Spreads, Rotate Funds
Bond issuance is surging. More supply into already tight spreads. That math doesn't work forever. When the dam breaks, you want a fund that rotates. $JOJO. https://t.co/rq34u6KTHX
Protect Your Family: Estate Planning Beats 40% Tax
If you die without a plan... - The government takes 40% in tax - Probate court costs $100k+ - Your kids get the scraps If you love your family, here's every document you need to protect them: (from a CPA & father of two)
Ultra‑low‑fee Vanguard S&P 500 Proves 401k Value
My 401k plan has a Vanguard S&P 500 fund with a 0.006% expense ratio. It’s one of the lowest S&P 500 fee funds available in a 401k plans 401k is not a scam
Gold’s Dip Tied to Rising Yields, Not Inflation Fears
A guest on @business questioned this morning why anyone would buy gold when you can buy inflation protected securities yielding 2.7%. Excellent question. A few answers: First, maybe I misheard him, but TIPS yields are currently just a tad under 2%...
More Free Time = More Trades, Lower Returns
The best thing that ever happened to your portfolio was you being too busy to look at it. New research tracked 59,000 Swedish investors before and after retirement. More free time meant more trading, more stocks and worse returns. Not because...
Avoid Common Tax Mistakes: Verify SSN, Status, Credits
Before you file: Double-check your SSNs Use the right filing status Don’t guess on credits And yes… sign (or e-sign) your return 😅 11 common tax mistakes (and how to avoid them): https://t.co/C5YSDcUi2P
Buy Stocks Like Groceries: Pay Price, Not Hype
Graham's grocery store rule is the most underrated idea in investing. Here's what it actually means: 1️⃣ Groceries have a price you compare. Perfume has a price you feel. 2️⃣ You never overpay for milk because it's "trending." Why do it with stocks? 3️⃣...
Early Market Drops Can Ruin the 4% Rule
The 4% rule is a popular retirement strategy that suggests retirees can safely withdraw 4% of their portfolio in the first year and then adjust for inflation annually. This approach aims to make savings last for 30 years. Sounds simple, right? Well, there’s...
Balance Cash and Stocks: Emergency Fund, Goals, Invest
Stock aren’t risky in the long term. But they are risky in a short term. Cash is the exact opposite. Given this, what should you do? - Have an emergency fund. - Save for specific savings goals - Invest the rest
Ask if Advisors View only Dow or Global Markets
When your advisor "looks" at markets for you, do they just look at the Dow in points or Global Equities?
Water Scarcity Fuels Billionaire Investments and New Opportunities
Thoughts? We discuss the impending global water shortage, known as Day Zero, and explain why billionaires like Bill Gates and Richard Branson are quietly acquiring water and mineral rights. We break down the stark reality: while 71% of Earth's surface...
Big Returns Require Asymmetric Bets, Not Average Investments
The wealthiest people in the world go heavy into alternative investments & play by different rules than retail investors. People who make average investments get average returns. If you want to make big returns, start thinking about where you can...
Focus on Top‑tier Assets for Lasting Outperformance
Most people spread their money across mid-tier assets Mr. Wonderful ($400M net worth) does the opposite He concentrates on the top tier The leaders attract the most demand, hold value the best and are the ones that actually outperform over time Applies to all...
Dividends Make SPY Outpace Gold, Real Estate
if you actually stuck with $SPY since 1990 and let those dividends do their thing you'd be up like 36x right now. it's wild how much better that is than just holding gold $GLD which is only up like 6x...
Physicians Overpay Taxes—Learn How to Reclaim Income
Why physicians pay more in taxes and how to reclaim your income [PODCAST] http://dlvr.it/TRxTZR Podcast #PracticeManagement
Morgan Stanley Advisors Push Bitcoin and ETFs to Clients
Here's how Morgan Stanley's 16,000 financial advisors will be positioning btc & btc ETFs to clients... First marketing materials. They're clearly committed to this. https://t.co/impEsvl9De
Advisors Face Fee Dilemma with Off‑Custodian Cash Solutions
Interesting evolution in the rise of standalone high-yield cash solutions for advisors... at what point are RIAs disintermediating their own assets by using off-custodian providers, and if so when/where is it appropriate to still earn some kind of advisory or...
Wade Pfau Shares Must‑Know Retirement Planning Essentials
Since we started “The Long View,” @WadePfau has been one of our favorite interviews. @AmyCArnott1 and I loved chatting with him about his essential “Retirement Planning Guidebook”and what retirees and pre-retirees should have on their radars today. https://t.co/eRuVonR5nn
BlackRock Rewrites 60/40: Add Alternatives, Benchmark Cash
so blackrock is making a strong push that the new 60/40 is actually 60% stocks / 20% bonds / 20% alternatives. and how does blackrock want to benchmark it? 60% stocks / 20% bonds / 20% cash. convenient way to...
Direct Indexing Auto‑harvests Losses While Matching Market Returns
One of the best financial moves I've made recently was switching from investing in index funds to direct indexing Markets have been choppy, direct indexing has harvested a ton of losses for me on autopilot All while tracking the same performance as...
Stay‑at‑home Moms Need Tailored Retirement Planning, Not Assumptions
Mind you — she left work to raise their babies (1 & 3). No income. No plan for her old 401(k)… and her old financial advisor didn’t even set up a spousal IRA. No rollover or nothing. Jesus. So we got to...
Pick the Highest‑Yield ETF for Lifetime Income
Yearly dividend income with $1,000,000 invested: - QQQ: $4,800 - VOO: $11,800 - SCHD: $34,500 - JEPI: $84,500 - SPYI: $123,600 - QQQI: $148,000 If you could only buy 1 of these ETFs forever, which one are you buying?
Design Your Own Retirement Structure, Not Empty Freedom
An empty calendar looks like freedom. Until you live it. No urgency. No deadlines. No clear place to begin. Without structure, time doesn’t feel expansive— it feels uncertain. The goal isn’t to escape structure. It’s to build one that works for you. Design the perfect retirement now: https://t.co/WHwMtrGLPr
Central Banks Buying Gold Aggressively; Follow with Monthly Purchases
PBoC bought 5 tonnes of #gold last month, the biggest purchase since Feb '25 and now 17 consecutive months. CBs as a group continue to be aggressive net buyers. This includes new and inactive ones. We should follow suit. You can even...
Let Winners Run, Trim Losers: Long‑Term Position Sizing
Francois Rochon on position sizing and activity "We typically hold 20 to 25 positions and our average holding period is close to seven years. While we'll cut back on a position that gets over 10% , for the most part our...
Low Fees Drive Better Returns: Why I Choose Vanguard
Many people ask why I love Vanguard funds: It's because they are cheap. Vanguard reduced expense ratios more than 2,000 times for their funds. Terrible charts, outdated app, but I don't care about that. I care about performance (low fees = better returns)
Delaying Retirement Often Beats Planned Timing, Study Shows
Why Retirement Timing May Deserve A Larger Role In Retirement Risk Analysis 🔻🔻 A two-year shift can move retirees into a different return environment. This can be understood by separating retirement timing risk into two components: cohort risk and pure...
Buffett's Rule: Skip Hype, Seek Fundamental Value
Billionaire investor Warren Buffett's strategy? Stay away from flashy stocks, and assess fundamentals to find undervalued ones. https://t.co/qsceHG36d7
Will Excludes Malaysian Assets, Threatening $6M Investment
$6 million combined. Singapore home. Investment property in Malaysia. His Singapore will was thorough. It didn't cover a single Malaysian asset. Here's why this is a problem...
Doctors Earn More Yet Feel Broke Due to Tax Ignorance
Physicians are expected to master complexity, but many finish training without anyone teaching them why a bigger paycheck can still feel financially tight. That is not a personal failure. It is a training gap. This episode of The Podcast by KevinMD gets at...
Half Your Estate May Not Reach Your Spouse
$4 million across two account types. A family in their 40s. They assumed all of it would pass directly to the surviving spouse. Half of that assumption was right.
Aim for Perpetual Wealth Growth, Not a Retirement Finish Line
Don‘t treat financial planning like a finish line. Your retirement number? That's thinking small. Aim for wealth that grows EVERY year. Stop settling for 'good enough' and find year-over-year growth.
Start Investing Early: Time Is Your Wealth Engine
If you're in your 20s or 30s and want to become wealthy in your 40s, this is the best advice to put yourself ahead of 99% of people: First and foremost, start saving and investing as early as possible. I can't stress...
Stay Cash-Ready: Capital Shifts to Energy, Compute, Data
Thoughts? We discuss how geopolitical tensions and Trump's deadline are creating major market volatility. We break down what the average person misses: how to watch the dollar, yields, and capital flows to stay ahead of the smart money. We explore...
Sell Timing Matters as Much as Asset Choice
When it's time to rebalance, where you sell matters just as much as what you sell. https://t.co/WhFKGHqYb3
Boomers Leverage Lower Rates for Tax‑free Cash
This would be a better argument if boomers did not have the ability to pre-pay the mortgage and reset their interest rate Instead, every time rates went down, boomers could lever up and take more $$ (tax free) for consumption and...
Sincerity Beats Noise: Contrarian Edge in Markets
🆓 Tuesday links: buggy human software, leveraged ETFs, and sincerity as a contrarian strategy. https://t.co/FrB1aP838u image: https://t.co/9tcsLYH7ri https://t.co/BX6ZRRDUiS
Disability Trust Deduction Stumbles Over Obsolete Cross‑References
Qualified Disability Trusts get a $5,300 deduction in 2026 under §642(b)(2)(C)(i), tied to §151(d). But both provisions rely on outdated cross-references to former §68(b)—repealed and replaced by OB3/OBBBA—raising questions about how these rules apply today.
Tax‑aware Timing Crucial when Bonus and Equity Vest Together
Stack a big bonus + equity vest in the same year and watch how fast taxes eat into decisions you didn’t plan. Most people aren't just asking about returns, they are asking about better tax-aware timing.