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@TKopelman "Short Term And Long Term Disability Insurance Most people neglect disability insurance They think a disability will never happen to them but that is not true You statistically have over a XX% chance of having a long term disability during your working career"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"This is something all investors should understand Nothing wrong with valuing dividends They are valuable but Ive found the average investor truly has no understanding of how they work The goal is total return. not the highest dividend yield Stop chasing dividends only"
X Link @TKopelman 2025-09-22T12:11Z 37.4K followers, 8829 engagements

"Think about someone who is XX & making $150000 a year. If they were disabled they would miss out on XX years of income at least $150000 a year That is $XXX million that would be lost Protect against this and take what the employer has to offer (you may need more externally)"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"@TheTaxNomad Depends on goal If investing could be 401k backdoor Roth taxable If short term savings Hysa or money market fund"
X Link @TKopelman 2025-10-11T23:10Z 37.4K followers, XX engagements

"Overfunding life insurance is not the solution for XX% of people No matter how much "tax mitigation" they say it will lead to I like permanent life insurance for: - estate tax planning - specific gift to be left - special needs planning - buy sell agreements - hybrid with LTC"
X Link @TKopelman 2025-10-12T13:10Z 37.4K followers, 14.5K engagements

"Preventive treatment such as twice yearly cleanings and x-rays are typically fully covered by insurance policies Most the time with dental insurance you pay pretty close to what the costs would be out of pocket as it is pretty easy to predict yearly costs"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"You can make personal finance as complex as you want But it can really be boiled down to: - manage cash flow so you have at least XX% surplus - invest that surplus in assets that will grow - protect your wealth through the right insurances"
X Link @TKopelman 2025-10-13T16:03Z 37.4K followers, 4306 engagements

"Youre missing many things (lets assume the growth rates here are correct) X. They could get the match and withdraw and buy bitcoin and be ahead X. They could contribute to Roth and each time they leave move to Roth and invest in bitcoin inside a Roth. If these growth rates are right youd be so far ahead after taxes"
X Link @TKopelman 2025-10-13T21:22Z 37.4K followers, 1410 engagements

"You want a mix tax wise with your investment accounts: Tax Free: Roth HSA XXX etc. Tax Deferred: Traditional accounts Taxable: Brokerage account But. you don't have to contribute to each each year There are times throughout your life where one is better than the others Here's the framework I think through: - pretax 401(k): use in your highest income earning years think 32-37% - Roth 401(k): use in your lower income earning years think 12-24% - mega backdoor Roth 401(k): use whenever you have the funds if you have maxed above - Roth IRA/backdoor Roth: use after maxing out above every year you"
X Link @TKopelman 2025-10-11T12:16Z 37.4K followers, 7094 engagements

"The most passive income comes from owning public equities You put money in and you live your life Most people look for passive income sources and choose the least passive options"
X Link @TKopelman 2025-10-12T18:43Z 37.4K followers, 4591 engagements

"Both help you pay for health care in a way where you are using pre-tax dollars However with FSAs they typically are use it or lose it meaning you have to use it on health care costs this year or it is gone (some plans allow you to rollover a small amount)"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"Many of my clients consider renting out their house vs selling when they move This can be a great move for people who already own rentals and do not have a bunch of equity But almost all fail to consider the biggest variable: capital gains exclusion Let's say you have $500k of equity in your home right now which is $400k of growth above your purchase price If you sold you would avoid capital gains taxes since you lived there X of the last X years For my clients this saves XX% capital gains XXX% NIIT and then 5%+ state tax = $115200 of tax savings If you keep this rental for 4+ years you won't"
X Link @TKopelman 2025-10-09T12:18Z 37.4K followers, 18.2K engagements

"4) Charitable Lead Trusts (CLTs) Irrevocable trusts that are designed to benefit one or more charitable organizations for a period of time then the remaining assets go to the named beneficiary"
X Link @TKopelman 2025-10-02T10:58Z 37.4K followers, XXX engagements

"Your benefits make up XX% of your total comp Yet the average person just clicks through their benefits to get them done Don't be that person Let me teach you what you need to know about your company benefits:"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, 12.6K engagements

"@NxtGenPlanning Gold is better And its cheaper Only way platinum makes sense is if you travel all the time and your home airport has great lounges Even then still probably not worth it"
X Link @TKopelman 2025-10-15T00:35Z 37.4K followers, XXX engagements

"Dental and Vision Dental plans come in a wide variety so make sure that you take the time to understand how yours is set up as the specifics will probably influence how much you have to spend out-of-pocket"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"I cannot tell you how many wealthy individuals gets convinced to work with a large firm solely because of private investments Most wealthy folks think they NEED private exposure You don't Can you have exposures there Of course But it is one of the least important parts your financial planning now that you are wealthy Focus on hiring teams who will do real in depth financial planning"
X Link @TKopelman 2025-08-04T18:25Z 37.4K followers, 17.3K engagements

"November is approaching us and you know that means Its employee benefit election time (for most people) There are a lot of parts to your benefits so let's walk through each one individually"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, 1056 engagements

"- Holding assets until death provides a step-up in cost basis erasing the capital gains tax burden - Wherever possible aim for long-term holding periods to qualify for lower long-term capital gains rates Capital gains taxes can be reduced through great planning"
X Link @TKopelman 2025-09-08T10:57Z 37.4K followers, XXX engagements

"The value of diversification in one picture"
X Link @TKopelman 2025-10-14T15:47Z 37.4K followers, 4192 engagements

"So you would need to get reapproved for coverage at whatever your health looks like in the future Most times it makes sense to get external life insurance to cover you and your family just in case but take the free insurance you are given It is nice to have"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"Im a huge bitcoin believer But I will say the issue with this is the math You in your example used $8k and $8k When in reality if they put $4k in and got a $4k match that means they used closer to $2500 post tax and put in $8k So its equal dollars used Better math wouldve been: - $8k in 401k + $5500 in bitcoin (using leftover dollars post tax of the $8k available to use) Vs - $8k in bitcoin"
X Link @TKopelman 2025-10-15T01:06Z 37.4K followers, XXX engagements

"So it is not a use it or lose it account like an FSA. HSAs are a great tool for people to build up money for the future If you can afford health care costs out of pocket now let this money grow for the future"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"Employer Sponsored Retirement Plans Most of the time you can make changes to your retirement plan during the year but this is a great time to review and ensure you are doing the right things For most people saving for retirement is a top priority but it is not an easy one"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"One of my newer clients said this to me yesterday "I thought coming into this X meetings would be more than enough But the more I talk to you the more I realize that there is so much to learn and improve on my finances I used to think finance was invest in the index and move on There's so much to it with tax planning roth conversions planning for my business sale insurances investments estate planning etc. This has been amazing and I will want to work with you long term post the financial plan" Finance can be boiled down to a few simple things and you do well But there's a huge difference"
X Link @TKopelman 2025-10-08T12:19Z 37.4K followers, 7923 engagements

"Let's talk estate tax exemption Right now it is really high $XXXXX million per person Double that if married One thing to look out If one spouse passes away the leftover exemption can be used by the other spouse But only if you file XXX correctly This is something you do not want to miss as a higher net worth person diying"
X Link @TKopelman 2025-10-07T09:04Z 37.4K followers, 10.8K engagements

"@LouMannheim87 In the short term it does in the long term most likely not If youre investing for the short term then sure But its why you dont invest for the short term Market is always extremely risky in the short term"
X Link @TKopelman 2025-10-12T20:21Z 37.4K followers, XX engagements

"One thing to be aware of if you are doing the Mega Backdoor Roth 401(k) Ensure the funds are getting converted from "after-tax" to "Roth" If you do not then you pay income taxes on the growth To do this you need to figure out if: - you have to call to set it up - you have to call each time you want it done - you have the ability to select a button for it to be automatic Do not miss this step and pay tons of extra income taxes"
X Link @TKopelman 2025-10-13T21:05Z 37.4K followers, 7060 engagements

"On social media you will see: - 401ks are a scam - that options trading is easy - Emergency funds are a waste - Using leveraging in investing is a good idea - XXX% of your investments should be in "x" thing Avoid these people"
X Link @TKopelman 2025-10-10T16:05Z 37.4K followers, 4503 engagements

"HSA vs FSA Most people get these two confused but they are quite different FSA stands for flexible spending account HSA stands for health savings accounts Both FSAs and HSAs have great tax benefits"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"@tqlemd @126613LBSUB These are good questions Totally depends on as well Sometimes both makes sense and other times one Also there are second to die policies"
X Link @TKopelman 2025-10-12T14:17Z 37.4K followers, XX engagements

"@NxtGenPlanning Gold is great I use it for groceries and dining out And chase freedom for shopping and all else Platinum has way worse rewards than gold"
X Link @TKopelman 2025-10-14T23:47Z 37.4K followers, XXX engagements

"If you are someone that uses a lot of healthcare this will get pricey as as you have to spend all the way up to your deductible However if you do not spend much on healthcare getting the lowest deductible/highest cost plan might also not make sense"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"A good rule of thumb for how much insurance you need is 10x income if you have kids and both spouses work. Or 20x income if just one works It sounds like a lot I know but term insurance is usually very cheap"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"Life Insurance Most employers give you 1-2x your salary of life insurance coverage for free After that you can pay to get more the problem is when you leave your job it does not go with you"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"In order to accumulate enough money to stop working you are going to need to save a lot of money for a large number of years One of the best methods to save for retirement is through the plan offered by your company"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"Dependent-care FSAs are different from healthcare FSAs in that you must pay for dependent expenses up front before requesting reimbursement from your FSA"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"You have to be careful and make sure you dont put too much money in it since that money can be lost Now with HSAs you can put money in on a pre-tax basis let it get invested and grow tax deferred then use it tax free on healthcare sometime in the future"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"Many people choose to combine a CRT or CRUT with a donor advised fund by making the beneficiary the donor advised fund This ultimately gives you more flexibility so you are not limited by the number of charities you can select"
X Link @TKopelman 2025-10-02T10:58Z 37.4K followers, XXX engagements

"@LouMannheim87 I more so am just saying its pointless to panic and make investment changes on tweets If you are; youre not investing correctly for your life"
X Link @TKopelman 2025-10-12T20:14Z 37.4K followers, XX engagements

"Dental is typically less advantageous than health insurance but is something you still may want to get With vision if you wear glasses or have contacts you will most likely want to elect into this as it will help cover routine exams new glasses etc"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements

"People undervalue how important it is to have a financial sounding board It is why you have a financial advisor They are someone you can spitball ideas with and come up with what is best for you Way too many overanalyze and never take action Or rush into a bad decision"
X Link @TKopelman 2025-10-03T12:14Z 37.4K followers, 4425 engagements

"Employer-Provided Insurance Coverage X. Health Insurance One of the most crucial components of your benefits is health insurance; let's discuss the key parts you need to know"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, 1048 engagements

"@jonathancouch79 Im very pro bitcoin and Im with ya"
X Link @TKopelman 2025-10-13T21:39Z 37.4K followers, XXX engagements

"Quarterly tax payments you get after your return is done is based on last year This means: - you might owe a ton above that come April if you make a lot more this year - you might significantly overpay if you expect to make way less this year This is exactly why tax planning is a lot more than just knowing what XXX% safe harbor is XXX% is great for years you will make more And horrible for years you will make less That is when you target XX% of your current year taxes"
X Link @TKopelman 2025-10-13T12:11Z 37.4K followers, 3832 engagements

"You have to audit how much health care you use to understand what may be the best plan for you"
X Link @TKopelman 2025-10-13T10:58Z 37.4K followers, XXX engagements