Free 401k Guides for New Investors
If you are new and looking gor investment here are some free guides example for 401k https://www.investtofire.com/blog/2026-03-401k-calculator-guide-maximize-retirement
Balance Aggression and Defense to Optimize Portfolio Positioning
"The greatest way to optimize the positioning of a portfolio at a given point in time is through deciding what balance it should strike between aggressiveness and defensiveness." Howard Marks
ALM Software Turns Financial Planning Into Quantifiable Strategy
I created a video walkthrough of our new asset-liability matching software HourglassFP Pro. I know this methodology is new to most financial advisors, but I truly believe ALM is the way good financial planning should be done. This software helps you...
Financial Advisors: Guiding Decisions Beyond Market Beats
A lot of people think they don't need a financial advisor because an index fund can beat most portfolio managers. They're not wrong about the index fund. But that's not actually what a financial advisor is for. The real value isn't...
This Week's Tax & Investment Tips You Need
Inside this week’s newsletter: ⏰ A court case could give taxpayers more time to claim refunds 💸 How to pay IRS 📊 ETF workarounds & wash sale rules 🏦 Mega Backdoor Roth strategy 🎓 Tax-free student loan help from employers 💒 Filing under common law https://t.co/OD4Rr2mxtt
RMDs Trigger Forced Equity Sales, Yet Allocations Rise
Not sure this is taking place: Many Managed Retirement accounts with active RMD's (Required Minimum Distributions) should have asset allocation models that result in forced Equity selling in order to rebalance the portfolios weightings. Seems like equity allocation are swelling.
Allocate Crypto Based on Cashflow, Not Risk Labels
Risk tolerance in crypto is relative. Clients holding 100% of their net worth in digital assets will call themselves conservative. Conviction changes perception. What does retirement look like? What cashflow do you need? Short term inside one year, medium term around...
Sell High‑Basis Shares, Gift Low‑Basis for Tax‑Free Inheritance
Bob has a $5M brokerage account which he will pass down to his 2 kids A smart tax move for him is to sell the right lots It's best to sell stocks with high cost basis (= low capital gains tax) to...
Wealthy Families Ditch 60/40 for Smarter Strategies
Most $5M+ portfolios look exactly like a $200K portfolio. Same 60/40. Same S&P 500 index. Same bond allocation nobody wants anymore. The wealthiest families don't actually invest like this. Here's how they actually do it. 🧵
Top Factor #3 Drives 10X Stock Returns
The secret of hedge funds is revealed in a 41-page PDF: This paper analyzed 464 stocks that 10X-ed over a 24-year period. Here are the best factors that drive outperformance: (number 3 is the best 🧵)
Value Hunts Existing Mispricings; Growth Seeks Future Misvaluations
Aswath Damodaran on value investors vs growth investors "Value investors view their odds of finding market mistakes to be greater with assets-on-place, whereas growth investors feel that their odds are better in finding misvalued growth assets."
Hold Your Gains: Don't Sell After Doubling
Everyone thinks the goal is to find the next 10x It’s not. The real goal is: Not selling the 2x you already found Sounds easy It’s not. Because the entire market will give you reasons to quit early And most people take them
Pick These Resilient Sectors for Nifty 35000
Which sector should you choose to position yourself for Nifty 35000 over the next two years? There are some obvious winners that will happen irrespective of ongoing events. #investing #sectors #portfolio https://t.co/VoyKBjWmDB
Build Systems, Turn Quick Gains Into Lasting Legacy
What's the point of getting rich if you can't stay rich? Building wealth is just the beginning. The real game? Setting up systems that transform quick gains into generational wealth. That's the difference between temporary success and lasting legacy.
Low‑Cost ETFs: The Ultimate Investing Cheat Code
Invest in low cost ETF, thats the cheat code. Follow for more raw tips on finnace
Tiny Return Edge Doesn’t Justify Higher Volatility
You have two options: Option A: An FDIC-insured bank account that returns 10.99% percent a year, with a realized volatility of zero. Option B: An S&P 500 index fund, that returns 11.00% (on average) a year, with a realized volatility of about...
4% Rule Fails: Inflation Undermines Retirement Savings
The 4% rule your financial advisor told you is wrong. Commonly they will tell you if you live off $100k/year then you need $2.5m to retire. $100k in 10 years likely will not have $100k of purchasing power. Inflation ruins...
Turn 3% Raises Into Over $1M by Retirement
You got a raise this year. What did you do with it? If the answer is "spent it," you're not alone. But here's what that decision is actually costing you: A 3% raise every year, invested at market average, is worth $1,130,000...
Regime Signals Reveal Winning Portfolio Framework Ahead
Gold near all-time highs. Oil elevated on Hormuz risk. IWM holding while long bonds struggle. These are regime signals — and they tell you exactly which portfolio construction framework survives what comes next. Wednesday I'm sitting down with Greg Babij of Sundial...
Real Estate: More Than Returns, A Wealth Engine
The stock market gives you 10% a year if you’re lucky. Real estate gives you appreciation, cash flow, debt paydown, and tax savings all at once. One of those is a return. The other is a wealth engine.
Trend‑following Beats 60/40; UHNW Go Beyond Passive Mix
The 60/40 portfolio fell 17.5% in 2022. Trend-following returned +20.1% the same year. Passive equity + bonds = the minority in a UHNW portfolio. Wed April 29, 12pm ET — Greg Babij (CIO, $500M+ MFO) breaks down how it's actually built. $5M+ only:...
Why Heirs Might Decline Inheritance and How
Most people would find it hard to turn down “free” money, whether it’s finding a $20 bill on the sidewalk or getting a match in a company 401(k). However, the decision of whether to keep or disclaim (all or part)...
Trump's 2025 OBBBA Boosts Itemizers to 12%
Thx @PKubeyEA for the gift article. Trumps's 2025 OBBBA increased IRS #tax itemizers from 10% to 12%. "#Taxpayers who qualify for new and enhanced deductions in the tax law may end up with even lower effective rates.""Play around with it...
Structured $100 Portfolio Guarantees Bounded Losses
I manage my wealth this way in general and I am positioned this way within this framework today 101 I take $100 of cash And invest in DSSmart Beta which is always long global stocks bonds, gold, and commodity indices. ...
Keep Expenses Steady, Save Extra Earnings
Important one Gentlemen, ‼️ Don’t make the mistake of increasing your costs when you start to earn more money. Rather keep your expenses the same and save the difference instead.
Invest in Few ETFs, Stay Long‑term, Use Tax‑advantaged Accounts
5 principles to follow to become a successful investor: > no individual stocks, 1-2 ETFs only > stay invested regardless of media clickbait > have a long term mindset > invest consistently > prioritize tax advantageous accounts Anything you would add?
Invest Fully, Skip Cash When Companies Outperform 5%
Francois Rochon on being fully invested "If we continue to find companies that we believe can do five percentage points better than that on an annualized basis over many years, why would we hold cash?"
DWP’s Algo Strategy Offsets 401k Fees, Boosts Returns
DWP handles 401k rollovers into self-directed IRAs and charges AUM fees. What offsets that is a proprietary algorithmic trading strategy layered across four candlestick timeframes. Back tested five years, worst year was 6%, best year over 60%. Other custodians like...
Pick Roth if Future Taxes Exceed Today’s Rate
Roth vs Traditional 401k is all about taxes. Say you are in a 32% marginal tax rate and you put $20k in Trad 401k. It doubles to $40k, which is $27.2k after taxes Same example, but contribute $13.6k to Roth (after 32%...
Dave Ramsey Warns Against Home Equity Loans
Financial guru Dave Ramsey is adamant about avoiding debt, so it’s no surprise to hear that he’s not a fan of home equity loans. https://t.co/K3HMRpmev0
Top 5 Current Holdings in Family Retirement Portfolio
Here are the Top 5 #timestamped positions that I'm still riding in The Fam's Long Only Retirement Account https://t.co/gSXmWWl7lL
Prioritize Business Fundamentals over Short‑term Price Predictions
The wrong mindset - "I think the stock will be up/down 10% tomorrow, next week, next month." The right mindset - "I don't care what the stock does tomorrow, next week, next month. I think the business will be worth...
Rescheduling Marijuana Unlocks 280E Deductions for Joint Returns
I don’t want to stir the pot with my buds, but to be blunt, if you weed through the half-baked tax code and search high and low, you’ll find that rescheduling marijuana allows Section 280E business deductions—even if you file...
Reinventing Family Offices with a New Operating System
The Operating System of the Modern Family Office — What I Built. What I Run. Why It Changes Everything. https://t.co/0mE0hticzv
Intentional Portfolios, Not Default Choices, Drive Outcomes
Most portfolios reflect what was available. Very few reflect what was intentionally chosen. That distinction defines outcomes. A fiduciary approach is not about activity. It’s about precision. #WealthManagement #Fiduciary #Investing #UHNW
Rare Judgment: Knowing When Not to Deploy Capital
What is rare: Judgment. Knowing: — When not to deploy capital — When risk is mispriced — When alignment is missing
Turn Forgotten Medical Receipts Into Passive Investment Gains
Just an idea, have a platform to save Medical receipt for HSA. Basically lot of people forget misplace medical receipt. Now of you have $1000 in Medical bills and if those are invested you making anywhere from 70-150 per year...
Four Years of 401(k) Investing Near $250K Goal
What a 4 year investment in 401k can do almost at quarter million. Will I reach there this year? #investment
Long-Term Bull Market Rewards Disciplined, Diversified Investing
Long term the bull market does win. $spx monthly flows. Or big cap funds in a 401k 403b 529 can help build long term wealth and pay for college. BOS account is good to have when it’s pouring...
Index Funds Usually Outpace First Rental for High Earners
You’re 32, Software Engineer, Denver. $240k income. Single, no kids. $180k retirement, $220k brokerage, $60k cash. You want to build wealth faster. Do you: Keep investing in index funds OR buy your first rental property?
AI‑Powered ALM Tool Cuts Planning to 10 Minutes
I spent a lot of 2025 using a clunky version of GPT to build a pretty sophisticated 3 stage asset-liability matching tool. *TODAY* I took the framework of that tool and used Claude to reconfigure it into a single stage...
Endure the Silence, Reap Decades of 20% Returns
The hardest part of value investing isn't the math. It's the silence. Silence when your portfolio lags the index for 18 months. Silence when your group says you're wrong. Munger tolerated that silence. That's why he compounded at 20%+ for decades.
Private‑Bank Tools Go Mainstream in 2026
Trust structures. Premium financing. Credit lines. Multi-currency custody. For most of the last 30 years, these instruments lived mainly inside a private bank. The shelf looks different in 2026.
ETFs: Steady Long-Term Wealth Builders, Not Hot Picks
ETFs aren’t the next "hot stock" but they'll build wealth for you over the long term
Valuation: Pay for Proven Earnings, Not Future Guesswork
Most people think valuation means guessing the future. It doesn't. It means buying proven earning power cheap. Here's the difference: 1️⃣ Forecasting asks: what will this earn? 2️⃣ Valuation asks: what has this already earned, and what am I paying for it? 3️⃣ One is...
Gold, Powell, and Oil Shock Shape Portfolio Strategies
I was on Kitco today with @JeremySzafron. We talked gold, Powell, portfolio construction, and the dynamics of this oil shock. Great show, Jeremy. https://t.co/OikyF9Y4SE via @YouTube
Caution: Record‑High Markets May Not Be Wise Investment
Should we invest when the stock markets are at record highs? The UK government and big investment platforms have launched a campaign helped by a Savvy squirrel 🐿️ but the Bank of England says financial markets are too high....
Court Ruling May Void COVID IRS Penalties, Claim Refund
A court ruling (Kwong) could mean that COVID-era IRS deadlines were paused, some penalties/interest may not have been valid & you may be able to claim a refund. ⏰ Deadline: 07/10/26 ⚠️ Likely appeal—consider filing a protective claim Worth a look: https://t.co/gOvV9Lmucl
Advisors Boost Value by Tailoring Client Tax Withholdings
Our #WeekendReading this week includes a timely trio of articles on tax planning, including one on how advisors can offer value to clients by working with them to adjust their withholdings and receive the tax refund (or payment) they desire...
Rethink 60/40: Adopt 60/20/20 with Uncorrelated Assets
With bonds and stocks once again positively correlated (per the chart below), the current/recent market episode served as another reminder to look beyond the 60/40 for that balance between returns and risk. Since 2022 I have been advocating for a 60/20/20...