Pay Off Credit Card Balance to Avoid 20‑30% Interest
Getting rid of your credit card balance prevents interest accumulation, and credit cards often have annual percentage rates (APRs) that range from 20% to 30%. https://t.co/SuHgkcrCoQ
Cash on Sidelines Costs You Missed Investment Gains
If you’re tempted to keep your money in cash on the sidelines, consider the impact of opportunity cost, or the potential gains you miss out on when choosing one investment over another. https://t.co/FpZVau3NQD
Wealthy Grapple with Taxes, Communication,
In today's Family Office Buzz email: ∘ Billionaires can’t talk to their kids about money ∘ Heiress wins court battle to undo £1.2m inheritance tax blunder ∘ Sergey Brin’s family office mobilizing against the California billionaire tax ∘ Wealthy asking AI for legal...
Half of Dollar’s Value Vanished: Invest, Don’t Hoard Cash
Over the past 30 years, the U.S. dollar lost 53% of its purchasing power. That’s the hidden cost of sitting in cash due to inflation. Keep what you need for an emergency in cash and invest the rest. https://t.co/WAUUt2KTKQ
Avoid 60/40 Bonds; Commodities Needed in Quad
In today's Early Look: "Bullish & Bearish #Quad2" Imagine you A) weren’t long of Commodities and B) were Long of US Treasury Bonds in an Old Wall 60/40 Retirement Account? Ouchy. That don’t look smart, eh https://t.co/j4UkK6zWqJ
California Seeks Retroactive Wealth Tax on Former Residents
If you move to a new state, can your former state later enact an entirely new tax and retroactively apply it to you after you’ve already changed your residence and domicile? Despite the U.S. Constitution, California’s latest proposed wealth tax...
Know Management, Costs, Risks Before Choosing Bond ETFs
JUST IN: Total bond market ETFs differ in management, costs, and risks, so know these before adding one to your portfolio.
Index Funds Act as Momentum, Ignoring Quality, Distorting Markets
Terry Smith on how index fund investing is not passive investing but rather a momentum strategy "The increasing proportion of equities held by index funds are invested without any regard to the quality or valuation of the shares bought, which produces...
Lynch's “Know What
In 1977, Peter Lynch took over the Magellan Fund. In his first year the fund at 41 stocks and 343% turnover. By 1983, the portfolio expanded to 900 stocks, and by 1989 it owned 1,400 stocks. Lynch believed in "investing...
Family Offices Craft Value‑Driven, Precision Portfolios
Family offices aren't just throwing money at markets like everyone else. They're building precision-engineered portfolios that align perfectly with family values. This is sophisticated strategy at a whole different level.
Anchorage DWP Combines True Ownership with Institutional Protection
Cold wallets predate ETFs by years. Most self custody holders got in before January 2024 and never switched. The logic is the same as gold bugs avoiding paper contracts. Hold the real thing. But physical stock certificates went away for...
Avoid Student Loans, Work Hard, Graduate Debt‑Free Homeowner
I was shamed by college counselors for refusing to take out student loans Instead, I worked full time, had a side gig and paid out-of-pocket, for what I could afford I graduated in seven years instead of four Today I...
Positioning Models for Inflationary Growth Benefits Advisors
For a few years now we've been in the camp that we'd see inflationary growth. Nice job by @gilbert3142 on our team on exactly what that means and how we've positioned the models we run to benefit our Advisors and...
Apply the 3‑Pitch Rule to Boost Portfolio Diversification
Moontower Sunday 🌙"3 pitches" rule 🌙 Investment Beginnings Class #4: Risk 🌙 See how much diversification benefit you have in your portfolio https://t.co/vnQ5pVjjxQ refs: @DavidEpstein @BalesBets https://t.co/VgAeGFpRTk
Learn Top Investors' Strategies with Free Resources
You don't need an MBA to understand the markets. You just need to study the greatest investors of all time. I've compiled the top strategies of 10 world-class investors + one FREE resource from each that will sharpen your edge immediately. A...
Boost Credit Score Now, Slash Mortgage Interest Rates
🤑 Better Credit Score Gives You Better Interest Rate 🏡 Fixing your credit score before applying for a mortgage is the best way to keep your payments as low as possible. One of the quickest ways to do that is with...
Missing a Few Top Days Slashes S&P Gains
If you invested $10k in the S&P 500 from 2005 to 2024, you would have ~$71k. BUT if you missed just 10 best days, the value drops to ~$32k. Missed 20 best days, and it's now $19k. Most of the BEST days happen...
Family Offices Turn to Crypto for Hedge Opportunity
Family offices are allocating one to five percent of total portfolio value to crypto. Ticket sizes run between one and five million dollars. It is mostly second and third generation clients driving the conversation. Patriarchs and matriarchs are still skeptical....
New Donor-Advised Fund Changes Unveiled in WSJ Report
@Saunderswsj and @wsj report on some recent developments with donor-advised funds. I'm sharing this as a gift article, so it should be outside of the paywall. https://t.co/LYtsAV36Vh
Start Small: Messy Steps Beat Perfect Planning
You don’t need to be ultra organized to start getting better with money. Your messy middle is good enough. Saving $5 Opening up a HYSA Setting a real budget Negotiating 1 bill Buying a fractional share of stock Creating a sinking...
Consistency Over Rules: Build Business, Mindset for 25‑Year System
"...in systematic investing, the interesting question is rarely “what are the rules?”, but rather “how do you build a business and a psychology that can execute those rules, exactly as written, for 25 years?”. - @ConcretumR As I've said forever,...
Top 5 ETFs Ranked Daily for Investors
The Fam's Top 5 ETFs #timestamped daily in ETF Pro and Portfolios Solutions products https://t.co/qIcq3SwSlC
Reverse Carry Trade Explained: Oil, Yen, Japan Insights
I have been quiet long enough. This is perhaps the most important thread on X ever published. And the most powerful and impactful comic book you will ever read. If you want to understand the reverse carry trade, bookmark this. Oil, Yen, Japan,...
Advanced Insurance Planning Secures Multi-Generational Wealth
It's been encouraging to see a growing number of people taking real steps toward safeguarding their wealth through advanced insurance-based planning. We're focused on building tax-efficient structures that support long-term, multi-generational asset protection. This is, in many ways, is the...
Long‑term Berkshire Shares Deliver Compounding Returns
First question comes from "Warren from Omaha": “I've got nothing but time and Cherry Coke, and I want to know just so I have something to tell my fellow shareholders: Why should they hold their Berkshire shares for the long...
Create a 10‑Minute Death Binder for All Accounts
If you died tomorrow, would your family know how to access everything? Banking, crypto, brokerages, your laptop... Here's how to build your "When I Die" binder in under 10 minutes:
TIPS and High‑Yield Bonds Preserve Purchasing Power
Bond Funds That Have Offered Some Inflation Protection ➡️Returns data indicate that Treasury Inflation-Protected Securities (TIPS) funds and high-yield bond funds offered purchasing power protection during the past decade (including the recent inflationary period), while many investors in short- and...
Invest in S&P 500: $1 Beats Inflation to $9
Inflation is the silent thief. Over the last 30 years, it cut the value of $1 in half. But $1 invested in the S&P 500 became nearly $9 – AFTER adjusting for higher prices. That’s the power of ownership. https://t.co/gb8aVaDFxZ
Diversify to Avoid Losing Everything when One Investment Crashes
When you concentrate a large portion of your money into one asset, you don’t have much to fall back on if that investment plummets. https://t.co/ZmzFL1fdHb
Four Unconventional Wealth Lessons From Charlie Munger
4 Ways To Become Wealthy That No One Taught You In School, According To Charlie Munger https://t.co/FRTmnAZ1dk
Strong Family Office Committees Multiply Wealth, Weak Ones Destroy Legacies
The real power in family offices sits in those investment committees. I've seen firsthand how the right committee can multiply wealth while weak ones destroy legacies. These aren't just meetings - they're where billion-dollar decisions get pressure tested. This is...
US Stocks Beat Gold as Inflation Hedge
“The best hedge against inflation has historically been US equities:” GS’s Mossavar-Rahmani. Gold isn’t a good hedge for inflation or deflation “so the idea that gold is something you need to have in your portfolio is something we totally disagree...
Future‑Proof Portfolios with Thematic, Yield & Alternative Strategies
Looking forward to speaking about Using Thematic, Yield, and Alternative Strategies to Future-Proof Client Portfolios at the ETF Exchange lunch & learn in Ottawa May 13th. If you're an Ottawa-based PM or advisor, be sure to register or reach out to...
Choose Cold Wallet or Uphold Vault for Inheritance
Decent is DWP's cold wallet recommendation. Tangem, Ellipal, Arculus, and Trezor are all solid alternatives. If you want exchange storage, Uphold's vault product holds a third key for $5 a month and can regenerate access after a death. Most platforms...
Prioritize Time Horizon Over Rate Forecasts in Bonds
When It Comes To Bonds, Don't Be A Hero: Why taking a strategic approach to bond investments based on an investor's time horizon and cash needs could be superior to a tactical approach focused on anticipating future interest rate moves....
Proper Beneficiary Setup Saves Crypto Estate From Tax Bankruptcy
A client's father died in 2025 with over $100 million in Bitcoin bought in 2011. No keys, no access, but it was in the will. The estate owed 40% tax on $76 million above the gift threshold. They could not...
Open-Source AI Portfolio Advisor Runs on $1/Month
I built a system called Sheet Advisor and I'm open-sourcing it today. The idea: you bring an investment thesis, Claude helps you turn it into an actual strategy with specific positions and rationale for each. Then it watches your portfolio every...
23 Habits That Built My $1M Net Worth
I built a $1M net worth in 7 years. I didn't come from money. I didn't time the market. I didn't get lucky. Here are the 23 financial habits that made my family wealthy:
Which High‑Yield ETFs Can Sustain Massive Payouts?
Yearly dividend income with $1,000,000 invested: - JEPI: $82,900 - ICAP: $93,300 - OVL: $105,000 - JEPQ: $104,300 - SPYI: $119,000 - QQQI: $113,900 Which of these ETFs do you think can sustain their massive dividend payments?
Bitcoin's Sharpe Ratio Surpasses Gold, Signaling New Bull
I continue to watch Bitcoin here following its mild winter from $126k to $60k. Its momentum and Sharpe Ratio continues to improve vs gold and other asset classes (including commodities). There has been a clear rotation away from gold ETPs...
0.2% Tax Generates $115M, Yet Home Tax Minimal
Let's assume there are 3500 worth $5MM, 2000 worth $10MM, and 1000 worth $20MM. 0.2% tax and you raise $115MM. The $5MM second home pays $10k, which is less than their annual real estate taxes (roughly $50-70k for...
Mega Backdoor Roth: Boost Roth Savings via After‑Tax 401k
Does your 401k have an "after-tax" account? If so, you can use the Mega Backdoor Roth strategy to invest $40,000+ to a Roth account in addition to your regular contributions. It's an amazing strategy to minimize future taxes on growth for high...
Use an LLC for Crypto to Protect Privacy and Taxes
Personal name XRP sales get you a standard deduction and full exposure to creditors and scrutiny. The LLC gives you anonymity, creditor protection, and actual tax strategy. Borrow against the position, generate income through DWP products, or set a limit...
Weigh Home Upgrade vs Investing: Choose Financially
You’re 42, Corporate Executive, Chicago. $650k income. Married, 3 kids, 1 on the way. $1.8M retirement, $600k brokerage. You can: Upgrade to a $2.5M home OR Stay put and invest the difference What do you do?
Position Sizing Drives 70‑80% of Trading Success
"What I actually learned is that position sizing is probably 70 to 80 percent of the equation. It's not just about being right or wrong, it's about how much you make when you're right." — Stanley Druckenmiller https://t.co/S37S7hSPet
Buffett's Top Five Investments to Never Make
5 Things Warren Buffett Says To Never Invest In Or Buy (Avoid At All Costs) https://t.co/TWBI5722Bk
Munger's 7 Sacrifices Required for Future Wealth
7 Things You Must Sacrifice If You Want To Be Rich One Day, According To Charlie Munger https://t.co/VKcCbrv3um
Biggest Month Yet: Index Funds Thrive, Stay Invested
Almost 8 years of sharing our net worth growth and investing journey on social media. And this April was one of the biggest months we've had. The S&P and Nasdaq just had their best months since 2020. ...
Pro Strategies to Identify Winning Investments
For most investors, a well-diversified portfolio of funds will do the trick. But if you want to try to identify winners like the pros on Wall Street, there are steps you can take. https://t.co/6RP6PY8ebH
Turn Your IRA Into a Tax‑Efficient Legacy Vehicle
Your IRA was built for retirement… but is it optimized for wealth transfer? At ARH Global Advisors LLC, we design sophisticated strategies for high-net-worth individuals using premier solutions, including John Hancock life insurance products, to transform taxable assets into tax-efficient legacy...