Proactive Wealth Preservation Requires Ongoing Strategic Discipline
A Long-Term Perspective on Protection Wealth preservation is not reactive—it is proactive. It requires: * Ongoing evaluation * Strategic adjustments * Alignment with evolving goals Those who approach preservation with the same discipline as growth are better positioned to maintain and transfer wealth over time.
Keep Housing Costs Below 10% to Retire Early
MAX Mortgage or Rent you should pay based on salary: - $40K salary: $833 - $50K salary: $1,041 - $60K salary: $1,250 - $70K salary: $1,458 - $80K salary: $1,666 - $90K salary: $1,875 - $100K salary: $2,083 - $110K salary: $2,291 - $120K salary: $2,500 - $150K salary: $3,250 -...
401(k) Catch‑Up Limits
A really useful 401(k) contribution chart from @fidelity. Note that if you are a catch up contributor, you may be required to have those contributions be Roth deferrals. Your regular deferrals can still be pre-tax. Also keep in mind we...
Morgan Stanley's BTC Recommendation Needs Own Investment, Says Bitwise
I’m glad to see Morgan Stanley recommend 2-4% BTC allocation for their advisors. It would be more authentic and credible if they directly acquired some Bitcoin on their own balance sheet. @Bitwise continues to lead in the only way that matters, by...
Beyond 60/40: Bonds No Longer Guaranteed Diversifier
I continue to advocate looking beyond the simple 60/40 paradigm to seek protection from both the 60 and the 40. Bonds are still a viable asset class but they are no longer a surefire diversifier to equities. https://t.co/8GRaglZUAs
Slash $1.4 M Tax Bill Without Extra Work
I saw a post from someone sharing they made $2.5m in personal income last year in California. Got crushed by taxes ($1.4m between federal, state, and self-employment taxes) so she was starting to look at what she can do. Doesn’t...
Rebalancing Works—If Assets Stay Uncorrelated in Downturns
Rebalancing a diversified portfolio is one of the more robust strategies out there. Shannon showed with his “Shannon’s demon” portfolio that periodic rebalancing of two alpha-less investments could make money; the fly in the ointment is that they need to...
Thursday Links: Hedge Volatility, SpaceX IPO, Rising Hyperscaler Capex
🆓 Thursday links: avoiding volatility, the SpaceX IPO, and soaring hyperscaler capex. https://t.co/vT9QNtLhAY image: https://t.co/twlPXP3nSP https://t.co/Oyb0ozEfTu
Gift $19K of XRP Tax‑Free Each Year
You can gift up to $19,000 per person per year in XRP without filing a 709 tax form. No tax implications for you or the recipient. Keep a clean transaction record from the purchase wallet to the receiving wallet. Multiple...
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Most people think the secret to building wealth is finding the right stock. It's not. It's starting before you feel ready. Buffett bought his first stock at 11. Not because he had it figured out — because he started. That $114 compounding...
When Picks Run Dry, Dividend ETF Wins
I’m a stock picker, and that’s exactly why I respect $TDIV. When individual opportunities are scarce, a quality dividend ETF can be the smartest buy. $TDIV used to be too bank heavy for me. Now it owns many blue chip names I’d happily...
Invest Only When It Fits Your Timeline
When investing your time horizon and investments need to align. Regardless of how good a deal is, if it doesn’t fit your timeline - pass.
Alpha Architect Tail Risk ETF Beats Cash Reserves
Got unused capital… just sitting there? If your goal is to hedge against income loss, there may be better options. Our latest whitepaper explores the Alpha Architect Tail Risk ETF ( $CAOS ) as a more effective alternative to capital...
New Income Strategies Replace Broken 4% Rule
Bonds are failing retirees. The 4% rule is broken. Covered call ETFs are leaving money on the table. Free CE credit panel TODAY at 1 PM ET with @TuttleCapital. What actually works for income in 2026. https://t.co/RQPLScxiYP
Bank Savings Earn 0.01%, T‑Bills Yield 3.5%
Big banks rip you off. BoA, Chase, and Wells Fargo pay ~0.01% interest on your savings. They earn BILLIONS off your cash by lending it out at 6.5 Instead of keeping your savings there, consider Treasury Bills paying ~3.5%, state tax free, backed...
Active Management Returns as Market Shows Clear Winners
Active management making a comeback?!? There is actually dispersion in the market. There are now winners & losers. https://t.co/2IElGGZKWi
High Earners Lack Money Confidence? Try This 5‑Point Fix
A lot of high earners don’t feel confident about their money — even when things look “fine.” There’s a reason for that. I unpacked it here: High-Income, Low Confidence? This 5-Point Plan Can Fix That | Kiplinger https://share.google/afgSluijuIsguiiKt
Diversified Long-Term Investing Turns Market Turbulence Into Opportunity
Remember this the next time you find yourself in a turbulent market with bad news: 1. You are a long-term investor 2. Diversified portfolios are resilient 3. Down markets present opportunities 4. Corrections and bear markets have always given way to a recovery https://t.co/7U3OZH4iTy
Investing: Choose Freedom over Fleeting Status Symbols
The hardest part of investing isn't the math—it's watching your neighbor buy a new car while you buy more index funds. One is a status symbol; the other is a freedom ticket.
A Boring Financial
Having a "boring" financial life is the ultimate luxury. No panic when the market dips. No checking prices at work. No chasing the hype. Just automated wealth while you sleep.
Pick XRP Income or Growth Fund Based on Life Stage
Two funds, two goals. The DWP income fund pays cashflow. The growth fund builds more XRP. Both require accredited investor status. The right allocation depends on where you are. Long runway and no income need, growth fund. Retired and funding...
Permanent Portfolio Poised for 26% Gain, Best Since 1933
The Permanent Portfolio is on track to gain +26% in 2026, its best annual return since 1933. It consists of equal portions of US stocks, 10-year Treasury bonds, commodities, and cash.
Consumers Still Prefer Lawyers Over AI for Estate Planning
Interesting debate for estate planning attorneys playing out in #AdvisorTech - to what extent will consumers trust AI-driven tools to draft most/all of their estate documents? Current state of affairs, per Trust & Will survey: - Only 30% trust AI more than...
Simplicity Keeps Your Retirement Savings on Track
Keeping it simple is the best way to keep your retirement-savings goal on track. https://t.co/U0en039ICj
Five Tax-Free Retirement Withdrawal Strategies Advisors Must Know
Tax-free retirement distributions sound straightforward until you get into the actual rules. Join Tim Steffen for this Kitces webinar, where Tim will cover five strategies advisors use to get money out of retirement accounts without a tax hit: rollovers, after-tax basis recovery, NUA, Roth withdrawals,...
Gifts Like Farage’s £5m Typically Avoid Tax
Lots of people asking if Farage would have been taxed on the £5m. The answer is: likely no. Gifts generally aren’t taxable. (save IHT, not relevant here) https://t.co/9XCFgiOsqA
Investing Beats Saving: $357k Extra by 65
John saved $200/mo from 25 to 65 in a savings account getting ~3%. At 65, he has ~$190k. Bob invested $200/mo from 25 to 65 getting ~7.25%/yr on average. At 65, he has $548k. $357k difference between saving vs investing. If you want...
Research and Timing Matter Beyond “Buy What You Know”
Lynch also eventually set the record straight, saying people took his “buy what you know” advice out of context. Buying market leading popular consumer facing companies like Blockbuster video or K-Mart at the wrong time would have been a disaster. Both...
Financial Freedom Makes Life Exponentially Easier
Life becomes 1000X easier when you have: - No car loan - No school loans - No credit card debt - 6 months of expenses saved - Automated monthly investments
Build Portfolios for Unexpected Storms, Not Just Forecasts
Elroy Dimson spent decades studying markets. His sharpest insight had nothing to do with returns. "More things can happen than will happen." Most portfolios are built for the forecast. The best ones are built for the storm that wasn't in it.
Youthful Voices Guard Veteran Investors From Risk Paralysis
The natural course for stock pickers is to get more negative and contrarian as you age. You develop more experience in how quickly good things can come to an end in every facet of life, business and the markets. It...
Consistent Financial Habits Outperform Raw Intelligence
Why habits matter more than brilliance Good financial habits beat intelligence over time. #MoneyMindset #LongTermThinking https://t.co/fYbdmA3XQt
Weighing RSUs vs Salary Boost at 35
You’re 35, Software Engineer, San Francisco. $380k income. Married, 1 child. $500k retirement, $450k brokerage, $120k cash. Do you stay for $250k RSUs vesting over 4 years or switch to another company offering a $120k/year cash raise elsewhere?
Inflation‑linked Bonds Boost Nominal Returns, Tax on Unrealized Gains
𝗧𝗮𝘅𝗲𝗱 𝗼𝗻 𝗠𝗼𝗻𝗲𝘆 𝘆𝗼𝘂 𝗛𝗮𝘃𝗲𝗻'𝘁 𝗥𝗲𝗰𝗲𝗶𝘃𝗲𝗱 😲 To see how RSA Retail Savings Inflation-Linked Bonds work, let’s look at a hypothetical investment of R100,000 over a 5 year period 𝗟𝗲𝘁'𝘀 𝘀𝗮𝘆 𝘆𝗼𝘂 𝗶𝗻𝘃𝗲𝘀𝘁 𝗥𝟭𝟬𝟬,𝟬𝟬𝟬 𝗶𝗻 𝗮 𝟱-𝘆𝗲𝗮𝗿 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻-𝗹𝗶𝗻𝗸𝗲𝗱 𝗯𝗼𝗻𝗱 𝗮𝘁 𝗮 𝟰.𝟳𝟱%...
Invest Assets to Earn Income and Grow Net Worth
Instead of waiting years to build up your savings, smart money uses assets to invest in assets that bring in money and grow over time. When done right, those kinds of investments can cover your borrowing costs while your net...
Equity Hedging and Commodities Boost Portfolio Performance
I recently had the pleasure of appearing on Dean Curnutt's excellent AlphaExchange podcast. The goal was to detail how a carefully designed combination of equity index hedging and long commodities can meaningfully improve the performance of a traditional asset allocation...
Real Estate Leverage Lets $60k Control $300k Asset
$60,000 down on a $300,000 rental property controls a $300,000 asset. That same $60,000 in the stock market controls $60,000. The bank will never offer you that deal on a stock. They've been telling you which asset they trust more for hundreds of...
RIAs Gain Crypto Access via DWP Sub‑Advisor Partnership
RIAs with clients wanting crypto exposure can partner with DWP as a sub-advisor. Fee sharing is built in. DWP sets up managed accounts under the RIA's instance with sub-accounts per client. Both parties have oversight. Cash comes over, gets invested...
HSAs: Tax‑Free Growth, Lifetime Benefits, Retirement Flexibility
Why we love Health Savings Accounts (HSAs) in 2026: 1️⃣ Tax-deductible contributions (lower your taxable income) 2️⃣ Tax-free investment growth 3️⃣ Tax-free withdrawals for medical bills 4️⃣ Your balance never expires and stays with you if you change jobs. 5️⃣ At age...
Stress‑Free Investing Redefined in New Book Release
I'm very pleased to announce that my new book, THE AWESOME PORTFOLIO, will be released on September 8th, 2026. It's a stress-free approach to investing, and it blows to smithereens the conventional wisdom about saving for retirement. Pre-order here: https://t.co/2ADIy8Jfh7
Inflation Eats Savings; Invest to Preserve Wealth
$100k today is worth the same as: - $82k in 2021 - $73k in 2016 - $68k in 2011 - $61k in 2006 - $54k in 2001 "Saving" is an oxymoron... So here's the easiest (and safest) way to invest your money:
Money Management Beats Earning: Teach Capital Skills Now
When it comes to money, capital management is the most important thing. It's shocking it isn't taught in school. Anyone can make money, but not everyone can keep it. So many people I know who "made it" are now moving back with their...
First‑Gen Accountant Shares 7 Money Lessons From 20s
7 MONEY TRUTHS I LEARNED IN MY 20s, As a 29-year old 1st gen Chartered Accountant:
Consistent Saving Beats Picking the Right Investment
The investment decision that matters most Saving consistently matters more than picking investments. #WealthBuilding #FinancialPlanning https://t.co/barJJEQNbf
Illiquidity Becomes a Self‑Control Tool for Long‑Term Investors
Key quote: “long-term investors are shielded from the risks because they can lock up their capital to weather market cycles” The only risk being “shielded” is the risk of being dumb (selling in a panic). That’s not a trivial thing, we’re...
Check Your Portfolio Less for Less Stress, Better Returns
Why checking your portfolio less helps Less checking often means less stress and better outcomes. #LongTermInvesting #BehaviouralFinance https://t.co/vWXJKp3lOU
Staying with Parents Boosts Median Household Wealth
The secret to stunningly high median household wealth is living with your parents well into your 30s with limited geographic mobility or job opportunities in reach.
Family Offices and Wealth Succession Dominate Readers' Curiosity
Most clicked in yesterday's Family Office Buzz email: 1⃣ From single family office to multi-family office @fortworthchris 2⃣ Newly former Navy Secretary probably became a billionaire just running Michael Dell's family office @AdamB1438 3⃣ People who are the third generation of wealth, how...
Conviction Drives Portfolio Survival; Trim Small Positions
Most DWP clients are diversified across multiple assets. Twenty tokens is common. The exception is long-term Bitcoin holders who prefer one asset and a simple strategy. Scattered portfolios get trimmed. Small positions without conviction are usually the first to go....
Structure Determines Family Office Success; Choose Your Model
Years in this space has taught me one truth: the structure makes or breaks a family office. The outsourced model is changing the game for smaller families. Expert generalists are showing they are truly valuable. I've seen both models create...