@MeasureTwiceMNY Avatar @MeasureTwiceMNY Cody Garrett, CFP®️

Cody Garrett, CFP®️ posts on X about retirement, insurance, investment, money the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Social Influence

Social category influence finance technology brands stocks social networks currencies cryptocurrencies travel destinations countries automotive brands

Social topic influence retirement, insurance, investment, money, financial planner, finance, capital gains, longterm, debt, diy

Top assets mentioned Gains (GAINS) Spotify Technology (SPOT) Dave Inc. (DAVE) Alphabet Inc Class A (GOOGL) Charles Schwab Corporation (SCHW)

Top Social Posts

Top posts by engagements in the last [--] hours

"Common misconception: You can only gift up to $15k each year without being taxed. $15k is the annual limit per person before needing to report the excess on your tax return (Form 709). It will not be taxable if the lifetime gift tax exemption ($11.7mm) has not been exceeded"
X Link 2021-09-05T22:25Z 15.8K followers, [--] engagements

"When someone asks did you see what happened in the stock market today"
X Link 2021-10-05T01:02Z 15.8K followers, [--] engagements

""The gap between risk tolerance and risk capacity is financial education." Financial planners have an opportunity to bridge the gap through personalized education. Don't stop with a risk tolerance questionnaire. That's only half of the equation"
X Link 2021-11-18T12:47Z 15.7K followers, [--] engagements

"The primary role of a financial planner is NOT to choose investments or beat the market. They should seek to understand and align your comprehensive financial ecosystem with your familys personal values and objectives. Investments are only a small portion of the conversation"
X Link 2021-11-18T13:18Z 15.8K followers, [--] engagements

"The primary bridge between risk tolerance and risk capacity is personalized financial education not a financial product. They cannot perfectly overlap since we cannot be fully rational with every financial decision but we should intentionally seek to gain understanding"
X Link 2022-01-29T03:29Z 15.8K followers, [--] engagements

"Dont make investment decisions solely based on risk tolerance Acting upon risk tolerance without understanding personal risk capacity and the gap between the two can lead to advice and implementation that are not in your best interest"
X Link 2022-02-14T17:04Z 15.7K followers, [--] engagements

"Many families say they want to spend all of their money in retirement. They say things like I want my last check to bounce. If a financial advisor actually created a plan for this to happen and the client ran out of money wouldnt they be held liable"
X Link 2022-03-18T20:23Z 15.8K followers, [--] engagements

"Risk Tolerance: The degree of uncertainty that an investor is emotionally able to handle Risk Capacity: The objective ability to experience risk in order to meet financial goals How well do your risk tolerance and risk capacity for investing align"
X Link 2022-03-25T12:53Z 15.8K followers, [--] engagements

"If you were given $1000 per month that you were forced to spend (not save/invest) how would you spend it"
X Link 2022-03-26T02:28Z 17.4K followers, [---] engagements

"@Robert_A_Berger @MorningstarInc @Vanguard_Group Its surprising that Vanguard Digital Advisor is just a target-date portfolio robo advisor assuming changing risk capacity without regard for the total portfolio or tax profile"
X Link 2022-04-05T15:56Z 15.9K followers, [--] engagements

"Every financial advisor should study early retirement planning strategies. As pension plans have faded and defined contribution plans have normalized the discipline and investment risk of retirement savings has shifted from employers to employees. Families control the timeline"
X Link 2022-04-19T14:48Z 15.8K followers, [--] engagements

"Although your realized long-term capital gains and qualified dividends receive favorable tax treatment the taxable income thresholds to determine your capital gains tax rates (shown here) consider your combined earned and unearned (investment) income. Taxable Income = AGI - SD"
X Link 2022-04-19T19:34Z 15.8K followers, [--] engagements

"When insurance salespeople claim permanent life insurance is valuable when properly structured but never explain what makes it so. 🤔😒 Where can I learn how to properly structure insurance advice without selling it"
X Link 2022-09-03T00:01Z 15.8K followers, [--] engagements

"When investors talk about risk tolerance they are often referring to the fear of uncertainty. I believe the primary gap between risk tolerance and risk capacity is personalized education. Clarity about ones situation precedes the confidence to move forward"
X Link 2022-10-13T12:49Z 15.8K followers, [--] engagements

"There are now [--] financial planners on my advice-only referral list Hourly project-based and ongoing service models with various specialties including tax planning early retirement equity compensation professional women and Childfree people. https://measuretwicefinancial.com/wp-content/uploads/2022/10/Advice-Only-Financial-Planning-Referral-List-10-20-22.pdf https://measuretwicefinancial.com/wp-content/uploads/2022/10/Advice-Only-Financial-Planning-Referral-List-10-20-22.pdf"
X Link 2022-10-20T13:08Z 15.7K followers, [--] engagements

"One of the undervalued benefits of working with a financial planner in retirement: They can help you gain the clarity and confidence to spend MORE money. Most of the families I serve are underspending. We need to bridge the gap between risk tolerance and risk capacity"
X Link 2022-10-29T15:36Z 15.8K followers, [--] engagements

"@swellfinancial Most people shop for pricing yet ignore the coverage limit details"
X Link 2022-11-06T01:32Z 15.8K followers, [--] engagements

"You shouldn't invest solely based on your risk tolerance. 🫢 The gap between risk tolerance and risk capacity is personalized education. They can not entirely overlap but you can bridge that gap"
X Link 2023-01-18T02:46Z 15.8K followers, [----] engagements

"I enjoyed learning the basic time-value-of-money (TVM) calculations during the CFP education program. So why not create my own planning calculators for both efficiency and effectiveness All [--] video lessons and [--] planning templates/calculators will be available on March 1st"
X Link 2023-01-28T20:16Z 15.7K followers, [----] engagements

"@Quiet_American_ It's just the two of us. A meal out is typically $25"
X Link 2023-05-23T15:41Z 17.2K followers, [---] engagements

"@MrLeonardKim Oh wow I hadn't heard of that before"
X Link 2023-05-25T20:32Z 14.2K followers, [--] engagements

"When it comes to investing I agree with most of Ramit's recommendations: [--]. Focus on asset allocation as the most significant part of your portfolio within your control. [--]. Buy low-cost passive index funds. [--]. Automate contributions and rebalance annually"
X Link 2023-05-28T01:37Z 14.2K followers, [----] engagements

"I think target-date funds are OKAY but the limited time/talent required to buy 1-3 index funds can be worth it. I agree that robo-advisors aren't worth the cost for another reason: they often include unnecessary cash positions. Schwab's "Intelligent" Portfolios for example"
X Link 2023-05-28T01:37Z 13.7K followers, [----] engagements

"Unpopular Opinion: Most opinions aren't unpopular. Especially here on Fintwit 😁 Do you have any personal finance opinions that are ACTUALLY unpopular"
X Link 2023-05-31T21:54Z 13.8K followers, 10.1K engagements

"@HigherEdCraig Great examples It seems we only learn about reverse mortgages from reverse mortgage companies who sponsor the sessions. Ooh yes please with breakpoints on variable annuity commissions"
X Link 2023-05-31T23:36Z 13.4K followers, [---] engagements

"Tax LOSS harvesting is pretty sweet. But tax GAIN harvesting is nice Don't sleep on that 0% long-term capital gains tax rate *Also applies to qualified dividends *Capital gains are included in the AGI calculation *This is federal y'all"
X Link 2023-06-11T19:18Z 15.2K followers, [----] engagements

"@TKopelman Yes Many forget that a fixed-rate mortgage is a hedge against inflation. With that said property tax + homeowners continues to be affected. But that is regardless of owning or renting. My last (30-year) mortgage payment may be 53% less than todays dollars *2.5% inflation"
X Link 2023-06-28T18:30Z 14.2K followers, [---] engagements

"@cordes_tax CFP spends much more on marketing to the public"
X Link 2023-06-29T20:43Z 14.2K followers, [---] engagements

""Financial Hoarding" Saving without intention holding onto cash without an expectation of when you'll spend it in the future. Consciously give every dollar a job and an anticipated use-by date. If you know when you'll need the money determining how to invest is much easier"
X Link 2023-07-04T19:46Z 13.6K followers, [--] engagements

"Create a balance sheet - a financial snapshot that lists your assets (what you own) and liabilities (what you owe). Subtracted they create your Net Worth. This statement can be categorized to reveal how your assets differ by tax location and their ability to be liquidated"
X Link 2023-07-09T19:56Z 15.7K followers, [----] engagements

"If you have debt sort it by type (secured or unsecured) minimum payment interest rate and anticipated maturity date. Using time value of money (TVM) and amortization calculations you can determine the true cost of your debt if paid minimally or more aggressively"
X Link 2023-07-09T19:56Z 15.7K followers, [---] engagements

"The Measure Twice Planners Forensics Group is meeting today We are reviewing a taxable brokerage account actively managed by an advisor. Preview: [--] mutual funds and ETFs 1.25% AUM fee + 0.37% weighted expense ratio Classic Humpty Dumpty portfolio. :-) Let the fun begin"
X Link 2023-07-11T13:40Z 13.4K followers, [--] engagements

"@camp_wealth I'll DM you the registration link for the calls through the end of the year 🙂"
X Link 2023-07-11T14:20Z 15.8K followers, [---] engagements

"2 Funds vs. [--] Funds vs. [--] Funds Which one do you want More funds doesn't necessarily mean more diversified. But it usually means more expensive"
X Link 2023-07-11T14:51Z 15.8K followers, 14.2K engagements

"@iamgkao The meetings are only available for Measure Twice Planners members. You may learn more here -"
X Link 2023-07-11T18:49Z 14.2K followers, [--] engagements

"If you receive an industry award please include the selection methodology Don't misguide consumers. :-)"
X Link 2023-07-11T18:49Z 14.2K followers, [----] engagements

"Buying Indexed Universal Life Insurance (IUL) is a fantastic wealth-building strategy. for the insurance salesperson 🤷♂"
X Link 2023-07-12T18:26Z 14.2K followers, 31.8K engagements

"@Broc_Buckles @AbbyMortonCFP @Get_Elements @PeterCiravolo An awesome supplement (not a replacement) for real financial planning"
X Link 2023-07-12T15:46Z 15.8K followers, [---] engagements

"If you're in your 20s invest more into your 'education' than your accounts"
X Link 2023-07-15T02:35Z 14.2K followers, [----] engagements

"In retirement which types of bonds do you plan to buy Corporate/Treasury Individual/Funds Which duration I dont see any posts about fixed income strategies up in here"
X Link 2023-07-15T16:44Z 14.2K followers, 13.7K engagements

"The "Mega Backdoor Roth" is one of the greatest retirement savings opportunities. But many 401(k) plan participants assume they don't have this option because they're searching for the wrong terms"
X Link 2023-07-20T01:20Z 14.2K followers, [----] engagements

"Collins describes debt as the single most dangerous obstacle on the path reminding us that debt is not the ticket to building wealth. US culture says debt is normal but it destroys wealth-building potential and is a psychological prison"
X Link 2023-07-22T18:36Z 13.7K followers, [---] engagements

"He proposes the avalanche method as the rational debt repayment approach prioritizing paying off the debt with higher interest rates. Although the debt snowball approach can build 'small wins' I agree with the avalanche. The same discipline is required to start or continue"
X Link 2023-07-22T18:36Z 14.2K followers, [---] engagements

"Don't hire a financial advisor who treats the financial plan like the Costco hotdog. Financial planning should not be a loss leader. It is a valuable service in and of itself"
X Link 2023-07-25T16:40Z 14.2K followers, [--] engagements

"In college I won tickets to the [----] BCS National Championship football game by typing in the code from the side of a Tostitos chip bag. Then I sold them for $2100. Then I bought my first keyboard and amp with it. Then I had a 10-year professional music career. It happens"
X Link 2023-08-03T17:25Z 15.2K followers, [----] engagements

"@RetireMeASAP So the $1M minimum isnt based on a minimum payment but rather to only work with people who have been great at saving money"
X Link 2023-08-13T19:12Z 14.2K followers, [----] engagements

"Just one year ago Measure Twice Planners didn't exist. Here's what's happened since plus what's to come: The 7-hour "How to Create a Comprehensive Financial Plan" video course was recorded and shared including all my planning templates and calculators. Over [---] CFP CE hours have been reported YTD with over [--] programs available today. All [--] hours of CE are expected to be provided to meet the ongoing requirements. We funded [--] full-ride CFPeducation scholarships in collaboration with the Boston Institute of Finance. We plan to fund another [--] this year We met with the MTP Forensics Group to"
X Link 2023-08-13T22:51Z 14.2K followers, 11.6K engagements

"@jhadawayfc Bad Debt: The debt repayment period lasts longer than the benefit of the purchase. The assets value is likely to depreciate further reducing net worth over time. The interest rate is greater than the expected investment return over the debt repayment period"
X Link 2023-08-14T16:00Z 13.4K followers, [----] engagements

"The "Federal Student Loan Planning" Niche Expert Presentation is now available on the Measure Twice Planners dashboard If you have federal student loans or serve clients who do this is a must-watch. Link in my bio @MeasureTwiceMNY to become a member and watch today"
X Link 2023-08-15T16:49Z 13.4K followers, [----] engagements

"Retirees don't become obsessed with dividend-paying stocks because they want income. They dont want to sell shares because it feels as if they're running out of money. Flipping the switch from accumulation to distribution is hard. Discover the deeper WHY beyond the money"
X Link 2023-08-19T13:27Z 14.2K followers, [----] engagements

"DIY Investor: "How do I dynamically rebalance my portfolio to its ideal allocation when I need to distribute retirement income" You can create two versions of this calculator. [--]. Tax-deferred retirement accounts. [--]. Taxable brokerage accounts - to avoid tax consequences I am"
X Link 2023-08-21T13:54Z 14.2K followers, [--] engagements

"How did you determine how much term life insurance to buy Was the death benefit based on income expenses debt education etc"
X Link 2023-08-22T01:04Z 13.7K followers, [----] engagements

"This is a perfect example of Keeping Finance Personal A primary residence is a lifestyle decision first not an investment. Don't stay in a home for [--] years just because of a low interest rate - assuming you can afford the move Had a 2.9% mortgage. Sold and bought this spring. Now we have a 6.9% mortgage. We are very happy we did it. Had a 2.9% mortgage. Sold and bought this spring. Now we have a 6.9% mortgage. We are very happy we did it"
X Link 2023-08-23T16:45Z 15.8K followers, [----] engagements

"At what point would you stop contributing to an HSA"
X Link 2023-08-25T02:03Z 13.6K followers, [----] engagements

"One important factor often missing from the "Traditional vs. Roth 401(k) contributions" analysis: It assumes the additional net pay (tax savings) while contributing to the Traditional 401(k) just sits in cash earning 0% for even decades at a time. Thoughts"
X Link 2023-08-26T21:04Z 15.7K followers, [----] engagements

"Characteristics of "Good" Debt [--]. The benefit of the purchase is expected to last longer than the debt repayment period. [--]. The debt's interest rate is lower than the expected investment return over the debt repayment period. Both of these require thoughtful implementation"
X Link 2023-08-28T20:05Z 13.5K followers, [----] engagements

"A single worker making $100000 annually contributes to a Traditional 401(k) during their career excluding taxable income at the 22% marginal tax rate. The same worker retires and distributes a whopping $150000 from their Traditional IRA (previous 401k) without other income sources (common before Social Security). The distribution is taxed at [--] different marginal tax rates (0% - standard deduction 10% 12% 22% 24%) but its effective (average) tax rate is 17% (lower than 24%). This worker was still better off contributing to Traditional for decades although their highest marginal tax rate in"
X Link 2023-08-29T15:33Z 13.7K followers, [----] engagements

"@BillWinterberg The market makes 10% every year"
X Link 2023-08-29T16:33Z 13.6K followers, [--] engagements

"Which financial topics do you think are the most over-optimized while others should receive more attention"
X Link 2023-08-29T18:44Z 13.6K followers, [--] engagements

"@SubprimeShaman Fantastic way to put it Chasing pennies when dollars are falling out"
X Link 2023-08-30T13:40Z 15.7K followers, [--] engagements

"@MichaelKitces Another great reminder that fees can be paid from recent income (short-term assets) not just from retirement accounts (long-term assets). Whether hourly project-based or ongoing families can receive affordable comprehensive financial advice. @abundo_wealth @shane_sideris"
X Link 2023-08-31T14:44Z 14.2K followers, [---] engagements

"The worst thing that can happen to a single stock investor: They get lucky the first time"
X Link 2023-09-01T22:56Z 14.2K followers, [----] engagements

"@atomicplanning @Royals Astros for $3"
X Link 2023-09-02T15:06Z 13.8K followers, [--] engagements

"@baldridgecpa Well said When you give every dollar a job and a use-by date choosing your investments becomes much easier"
X Link 2023-09-03T18:38Z 14.2K followers, [----] engagements

"When you contribute to a Traditional 401(k) you reduce taxable income at only one or two of your highest marginal tax rates. But when you distribute or convert from a Traditional 401(k) in retirement without other significant forms of income it may cover up to eight marginal tax rates (including 0% - standard deduction) possibly with a much lower average tax rate"
X Link 2023-09-06T12:58Z 13.5K followers, [----] engagements

"Common misconception: You can only gift up to $17k each year without being taxed. $17k is the annual limit per person before needing to report the excess on your tax return (Form 709). It will not be taxable if the lifetime gift tax exemption ($12.9) has not been exceeded"
X Link 2023-09-06T21:02Z 13.4K followers, [----] engagements

"If someone reviewed your credit card transactions over the past year would they gain an accurate understanding of what you value"
X Link 2023-09-07T16:08Z 15.8K followers, [----] engagements

"2. Create a game plan for how you will manage your financial and investment planning moving forward. Where will you keep your investments Same or different custodian If you're hiring a new advisor determine how you're going to set expectations and avoid similar issues"
X Link 2023-09-08T12:34Z 13.8K followers, [---] engagements

"3. Review your client agreement's termination clause with instructions for ending the formal relationship. This often involves either party giving written notice. [--]. Export CSV files and PDFs of your current portfolio positions transactions cost basis and statements"
X Link 2023-09-08T12:34Z 14.2K followers, [---] engagements

"Please don't use this image to 'educate' 401(k) participants about making Traditional vs. Roth contributions"
X Link 2023-09-09T22:53Z 15.7K followers, [----] engagements

"@SmalllIvy Do you take advantage of: Long-term capital gains tax treatment The standard deduction or itemized deductions HSA contribution deductions Student loan interest deductions or forgiveness Child (or dependent) tax credits Real estate depreciation Etc. These are all the same"
X Link 2023-09-11T18:48Z 13.5K followers, [---] engagements

"Can someone with NEGATIVE net worth receive personalized financial advice without buying insurance products Yes As long as they can afford a flat hourly ($150/hr) project-based ($1500) or ongoing ($150/mo) fee. Investment management isnt the only financial topic"
X Link 2023-09-12T17:30Z 13.5K followers, [----] engagements

""You should have _____ times your income saved by this age." When you see these claims ignore them. Retirement savings needs are based on how you'll spend not how much you currently earn"
X Link 2023-09-20T12:56Z 15.4K followers, [----] engagements

"@MattLaciskey @Matthew_Garasic That's right Marginal vs. Marginal is rarely as accurate as we assume since retirement income sources vary"
X Link 2023-09-22T16:12Z 14.2K followers, [--] engagements

"What people get wrong with the 4% Rule: [--]. It's not a rule. [--]. It's not based on 100% equity. [--]. Its had massive upside potential. [--]. They forget about other retirement income sources (such as Social Security). [--]. They forget about inflation on the path TO retirement"
X Link 2023-09-22T18:45Z 13.4K followers, [----] engagements

"Financial Planners: Which areas or topics did you realize were missing from the CFP education curriculum"
X Link 2023-09-22T23:09Z 14.2K followers, [----] engagements

"Zack Greinke may not be with the @astros anymore but it was amazing to watch him field BP with his sons today. ❤"
X Link 2023-09-24T01:04Z 14.2K followers, [----] engagements

"This The solution to low risk tolerance is personalized education not suboptimal investment recommendations"
X Link 2023-09-24T03:08Z 14.2K followers, [----] engagements

"If someone gave you a $5000 gift card for any restaurant which would you pick For me it would need to be a place I talk myself out of due to the cost - maybe sushi"
X Link 2023-09-29T01:07Z 13.7K followers, [----] engagements

"Dave Ramsey helps us understand whether to hire a financial coach or a financial advisor: Baby Steps 1-3 = Financial Coach Baby Steps 1-7 = Financial Advisor Keep in mind that Dave himself isn't a financial advisor. Don't act upon his investment advice"
X Link 2023-09-29T12:29Z 13.6K followers, [----] engagements

"Measure Twice Planners membership for future members will increase by $100 in just two days (October 1st) Please send a message if you have questions about member benefits. 30+ hours of educational content + planning templates/calculators + bi-weekly meetings Link in my bio"
X Link 2023-09-29T20:14Z 14.2K followers, [----] engagements

"Financial documents I didn't learn how to review during my CFPeducation but now include in my educational resources: Mortgage statement Auto loan statement Credit card statement Taxable brokerage accounts statement 401(k) statement Traditional IRA statement Roth IRA statement Pay statement + employee benefits guide Long-term disability insurance policy Homeowners auto and umbrella insurance policies Social Security statement Federal tax return Last Will Durable POA Medical POA Revocable Living Trust Please let me know if your financial planning degree or CFP education programs didn't include"
X Link 2023-10-05T13:06Z 13.6K followers, [----] engagements

"@DreamBiggerLLC You'd probably love this niche expert presentation with Emma Crawford MA CFP - federal student loan expert -"
X Link 2023-10-05T13:23Z 14.2K followers, [---] engagements

""We do better when our clients do better." This could be rephrased a few ways: "We do better when our clients don't distribute retirement income from their portfolio." "We do better when our clients don't give to charity." "We do better when our clients keep their mortgages.""
X Link 2023-10-08T01:14Z 13.6K followers, [----] engagements

"@jamesf129 I used the term "financial planner." I think there's a difference"
X Link 2023-10-08T18:19Z 13.8K followers, [--] engagements

"Active planning / passive investments This philosophy is (thankfully) growing within the financial advisor community"
X Link 2023-10-09T22:56Z 13.7K followers, [----] engagements

"One of the biggest issues with financial planning software: 100% Probability of Success may actually be a financial planning failure"
X Link 2023-10-11T19:35Z 13.6K followers, [----] engagements

"Whats more difficult Changing from being a spender to a saver while working Or changing from being a saver to a spender while retired"
X Link 2023-10-12T12:01Z 13.8K followers, [----] engagements

"Account Information The Outstanding Principal Balance is the remaining loan balance as of the statement closing date. The Maturity Date is when your loan is expected to be fully repaid if only minimum monthly payments are made"
X Link 2023-10-14T14:07Z 13.7K followers, [---] engagements

"The Interest Rate is the annual cost of borrowing. Each billing cycle your interest rate (divided by [--] months) is multiplied by your outstanding principal balance to determine the portion of your monthly payment allocated to interest (vs. principal)"
X Link 2023-10-14T14:07Z 13.5K followers, [---] engagements

"Here is a breakdown of a 30-year mortgage with a 3% fixed interest rate. Since the outstanding principal balance is naturally largest at the beginning of the debt repayment period more than half of the loans total interest is paid within the first third of its lifespan"
X Link 2023-10-14T14:07Z 14.2K followers, [---] engagements

"You may also make payments into an Escrow Account which is essentially a forced savings account that allows your lender to disburse property tax payments and home-related insurance premiums on your behalf. This depends on the mortgage type equity % and your payment history"
X Link 2023-10-14T14:07Z 14.2K followers, [---] engagements

"Interest Rate (I) = [-----] / [--] (monthly payments per year) Present Value (PV) = $492374.59 (outstanding principal value) Payment (PMT) = -$2074.46 (combined monthly principal + interest payments) Future Value (FV) = $0 Number of Periods (N) = (remaining monthly payments)"
X Link 2023-10-14T14:07Z 13.4K followers, [---] engagements

"@TJvanGerven We definitely value liquidity over market returns - at least for now"
X Link 2023-10-14T16:35Z 13.7K followers, [--] engagements

"Being an entrepreneur feels much less risky than being an employee. But I was always told the opposite. I'm sure it varies per person though"
X Link 2023-10-15T00:20Z 14.2K followers, [----] engagements

"If you're wondering what it might cost to run your financial planning firm (RIA) annually on a lean budget (with XYPN membership) here's my example from this past year. Depending on your tech stack it may be more or less expensive with XY (ongoing)"
X Link 2023-10-18T16:41Z 13.4K followers, 10.4K engagements

"Please listen to this podcast conversation about the Roth vs. Traditional 401(k) "debate" with @TKopelman. We can't just compare current marginal tax rates to future marginal tax rates"
X Link 2023-10-20T12:47Z 13.4K followers, [----] engagements

"Contributing through payroll to an employer-sponsored HSA is better than transferring funds from your bank: They are excluded from Social Security (6.2% below the wage base) and Medicare (1.45%) wages not just gross taxable wages. You'll see this on your W-2 Box [--] Code W"
X Link 2023-10-22T22:14Z 13.4K followers, [----] engagements

"Good news though You don't need access to an employer-sponsored HSA to contribute assuming you're covered by an HDHP but not by Medicare. [--]. You can contribute through the April tax filing deadline. [--]. You can deduct it on your tax return (Form [----] -- Schedule A Part II)"
X Link 2023-10-22T22:14Z 13.4K followers, [---] engagements

""I encourage retirees to view Social Security as a side dish not the main course" Garrett says "Like the stuffing alongside your Thanksgiving turkey." "Although we view Social Security as a retirement income benefit it's actually an insurance program designed to supplement retirement income not to replace your preretirement earnings. This is especially true for workers with earned income that exceeds the wage base for Social Security tax which is $160200 for 2023" says Cody Garrett a certified financial planner and the owner of Measure Twice Financial. Thank you @JessicaWalrack for including"
X Link 2023-10-23T18:28Z 13.6K followers, [----] engagements

"Once you have your emergency fund set up you get to call it an inconvenience fund. It turns oh crap into oh well"
X Link 2023-10-24T01:22Z 13.4K followers, [----] engagements

"This is what my office looked like [--] years ago. A lot has changed Music 👉🏼 Money"
X Link 2023-10-25T21:58Z 13.4K followers, [----] engagements

"@TecmoSB [--] years = -12.5% annualized = -49% total [--] years = -1.4% annualized = -13% total Only 100% positive annualized returns over 11+ year periods"
X Link 2023-10-26T01:38Z 13.4K followers, [--] engagements

"@TecmoSB Right [--] years = 8.5% annualized is the lowest = 1055% total"
X Link 2023-10-26T01:40Z 13.4K followers, [--] engagements

"Measure Twice Mentors is launching in [--] days Financial planning mentorship for: Aspiring Career Changers Breaking Up with Big Finance Aspiring Firm Launchers Financial Planning Process Practice Management Content Creation + Marketing Available to MTP members only (to start)"
X Link 2023-10-28T14:53Z 15.7K followers, [----] engagements

"I tried out eMoney's (financial planning software) risk tolerance questionnaire. The only way it will move from 80/20 to 95/5 is if you say you have invested in options futures or derivatives. Why are we supposed to use these again"
X Link 2023-10-30T00:10Z 13.5K followers, 22.5K engagements

"My business coach (Brian) is holding a 4-hour virtual Business Planning Day on December 14th. You can attend even if you aren't a coaching client (for only $99). I'm not a paid affiliate. Just sharing for people who want to level up their business planning"
X Link 2023-10-31T16:57Z 13.5K followers, [----] engagements

"The Mint app is going away. But that's a good thing. Using a personal finance app that advertises more consumer debt is like going to a gym that hands out McDonald's coupons when you walk in. Try these instead ($79-$100/yr): [--]. @ynab [--]. @monarch_money [--]. @tillermoney"
X Link 2023-11-02T14:13Z 13.5K followers, 12.5K engagements

""My book of business" Financial Advisors: Please eliminate this phrase from your vocabulary ASAP As the industry is slowly moving from transactions to relationships our language should follow"
X Link 2023-11-03T19:57Z 13.6K followers, [----] engagements

"@GordonGeco Haha key phrase "brokerage world" :-)"
X Link 2023-11-03T20:08Z 13.5K followers, [---] engagements

"Do you avoid using the word "BUDGET" A new Niche Expert Presentation is now available Cash Flow + Budgeting w/ Jenn Steliga CFP CFT-I The full video recording is available for Measure Twice Planners and the podcast version will be posted soon"
X Link 2023-11-04T21:41Z 13.5K followers, [----] engagements

"Why do so many financial advisors avoid talking about budgeting/spending Yet we know cash flow is crucial The newest Measure Twice Planners podcast episode is now available"
X Link 2023-11-05T20:30Z 13.5K followers, [----] engagements

"Out of My Control: Investment performance Inflation Interest rates Tax rates Within My Control: Asset allocation Intentional spending Diversification Asset location"
X Link 2023-11-13T12:55Z 13.6K followers, [----] engagements

"There are a lot of conversations about whether its the right time to buy or rent a house. But a primary residence is a lifestyle decision not an investment. We didnt buy our house because of what interest rates or house prices were. We bought it because we wanted a home"
X Link 2023-11-17T00:04Z 13.5K followers, [----] engagements

"Lets say someone is retired at [--] and their pension income + Social Security retirement benefits cover their desired living expenses. Withdrawing 8% per year could be safe. Im just making the case that not everyone needs to follow the 4% Rule. Actually most probably shouldnt"
X Link 2023-11-17T00:18Z 13.5K followers, [--] engagements

"Don't work with a financial advisor who tells you to contribute to a Roth 401(k) because the tax rates are going up. Traditional vs. Roth contribution decisions shouldnt be based on THE tax rates. They should be based on YOUR current and future sources of taxable income"
X Link 2023-11-18T21:51Z 13.6K followers, [----] engagements

"Insurance doesn't need to be complicated. It's simply a transfer of risk appropriate for perils of low frequency but high financial severity. Such as premature death disability long-term care home + auto damage and personal liability. Don't let the product lead the plan"
X Link 2023-11-19T17:49Z 13.5K followers, [----] engagements

"It doesn't make sense to make a non-deductible Traditional IRA contribution unless you're able to convert it tax-free (backdoor) within the same year. If not it's better to keep that money in a taxable brokerage account - avoiding Form [----] and future reporting mistakes"
X Link 2023-11-20T15:30Z 13.6K followers, [----] engagements

"Thanksgiving Dinner Money Topics [--]. I'm stuck in my house forever (locked in a low mortgage rate) [--]. I put all my money in a high-yield savings account paying 4% because 4% rule [--]. Forget the 4% rule. Have you heard of the 8% rule [--]. Chat-GPT replaced my financial advisor"
X Link 2023-11-21T20:48Z 13.6K followers, [----] engagements

"@brianportnoy Happy Thanksgiving Brian 🙂🙏🏼"
X Link 2023-11-23T21:38Z 13.6K followers, [---] engagements

"@AccidentalCISO @ramit Yes but rarely. [--]. Estate tax avoidance (ultra-high net worth) [--]. Special needs planning [--]. Business buy/sell liquidity Not appropriate for the average household"
X Link 2023-11-24T18:07Z 13.6K followers, [--] engagements

"@fortelabs This most recent daylight saving change was pretty sweet I feel like I wake up at the same time but it's one hour earlier. 👏🏼"
X Link 2023-11-24T19:03Z 13.7K followers, [---] engagements

"@billymac1418 @TKopelman Do you mean SALT or mortgage interest"
X Link 2023-11-24T23:21Z 13.6K followers, [--] engagements

"I bought stuff on Black Friday. Aligning my money with what I value. Keep Finance Personal"
X Link 2023-11-25T21:03Z 13.6K followers, [----] engagements

"If someone doesn't understand your comprehensive financial situation and unique desired outcomes only accept their education. Not their advice"
X Link 2023-11-26T17:38Z 13.6K followers, [----] engagements

"@DaveRamsey This assumes a 12% annualized return compounded monthly. The US stock market (using the S&P [---] index) has only achieved 12% annualized returns over [--] years [--] times (out of [--] rolling periods) Stop letting interns create investment content. Or Dave"
X Link 2023-11-27T19:21Z 13.6K followers, [----] engagements

"Are you paying for your auto insurance annually semi-annually or monthly I just reviewed a Progressive* auto policy that provides a 9% discount if paid annually rather than monthly. I'd take that guaranteed return *Not all providers do this"
X Link 2023-11-28T14:09Z 13.6K followers, [----] engagements

"It is common for people to say I have a Roth. But its similar to eating vanilla ice cream and saying I have a vanilla. Thats the flavor - not the food. Roth is not an account. Its a tax identifier. Instead say the full name - Roth IRA Roth 401(k) etc"
X Link 2023-11-29T14:03Z 13.6K followers, [----] engagements

"@Soaps27 Not the designation but the education. EA Part [--] helped me (finally) understand how to fully review a tax return with supporting schedules"
X Link 2023-11-29T23:54Z 13.6K followers, [---] engagements

"If a "financial advisor" offers you a FREE financial plan it's a marketing expense to sell you something else. Pay for what you need not for what they want"
X Link 2023-11-30T17:50Z 13.7K followers, [----] engagements

"1. Meme stocks [--]. NFTs [--]. Treasury I-Bonds [--]. Treasury bond ladders [--]. What's next for impulsive investing"
X Link 2023-12-01T13:33Z 13.7K followers, [----] engagements

"Asset tax location can make a huge difference I helped a family reduce their non-qualified dividends within taxable brokerage accounts from $50000 down to $10000 just by moving investments into the right vehicles. *Not accepting clients. Just an example of the impact"
X Link 2023-12-01T20:54Z 13.6K followers, [----] engagements

"@ChrisCybulskiC So we moved their taxable bonds to the tax-deferred retirement accounts"
X Link 2023-12-01T21:57Z 13.7K followers, [--] engagements

"This is a perfect example of a dumpster fire portfolio. 5% in the Balanced fund 🤣 Another day another $100k IRA with [--] actively managed mutual funds. 🤢 https://t.co/lhr8MAbnRh Another day another $100k IRA with [--] actively managed mutual funds. 🤢 https://t.co/lhr8MAbnRh"
X Link 2023-12-02T01:57Z 14.2K followers, 13.1K engagements

"@ChrisPullaro @_CBreed It's not about the strategy. It's about the impulse to do the next popular thing. Nothing wrong with Treasury ladders if they're appropriate for the specific investors needs. Treasury ladders aren't popular outside the advisory community (and are still fairly rare there)"
X Link 2023-12-02T02:26Z 13.6K followers, [--] engagements

"@MichaelKitces This article is from [----]. I wonder if this needs additional clarity. Do you still have the same opinion based on the current environment"
X Link 2023-12-02T18:13Z 13.7K followers, [----] engagements

"@PathwayToFI I love the power of the HSA and the overall message But your assumptions may need clarification: [--]. A 10% annualized return (compounded monthly) for [--] [--] and [--] years [--]. What defines a "good index fund" [--]. Distributions for qualified medical expenses are tax-free"
X Link 2023-12-02T18:20Z 13.7K followers, [----] engagements

"If someone told you their wedding cost $50000 what would be your immediate thought"
X Link 2023-12-03T19:29Z 13.7K followers, [----] engagements

"@AdamArob 3.25% annualized inflation would get you there"
X Link 2023-12-03T20:35Z 13.6K followers, [---] engagements

"@AdamArob Haha the HP 10bII+"
X Link 2023-12-03T21:58Z 13.6K followers, [--] engagements

"@MichaelKitces SO true Ive heard this one-on-one from over [--] financial planners in the past six months. They arent being challenged affirmed or compensated. So theyre launching their own firms even if they arent ready"
X Link 2023-12-03T23:28Z 13.6K followers, [---] engagements

"@MichaelKitces It comes down to their basic desires that arent being met. Safety affirmation and inclusion"
X Link 2023-12-03T23:30Z 13.6K followers, [---] engagements

"@Culture_Crit I'm watching this clip in a 70-degree home wearing PJs with socks. I'm too weak for this"
X Link 2023-12-03T23:42Z 13.6K followers, [---] engagements

"@BillWinterberg @AdviserCounsel No rounding means accurate. Haha"
X Link 2023-12-03T23:51Z 13.6K followers, [--] engagements

"@studenomics Restaurants and coffee shops should have a rule that you must buy something every hour to stay"
X Link 2023-12-04T00:49Z 13.6K followers, [---] engagements

"If you have an Elf on the Shelf this holiday season: If it could talk what would it say about what your family values based on: [--]. Your household conversations [--]. How you spend time together/apart [--]. How you serve each other"
X Link 2023-12-04T02:02Z 13.6K followers, [---] engagements

"@FundIndexFund 🤣"
X Link 2023-12-04T02:15Z 13.6K followers, [--] engagements

"@MichaelKitces @XYPlanning Where/how were advisors having these conversations before XY"
X Link 2023-12-04T02:45Z 13.6K followers, [---] engagements

"@ramit [--]. Rent is not the max you'll pay (insurance still applies) not fixed annually vs. the fixed mortgage portion for the homeowner [--]. We can't just pretend the landlord doesn't include those phantom costs in the rent price [--]. Opportunity cost exists on both sides"
X Link 2023-12-04T02:54Z 13.6K followers, [---] engagements

"@diyreturns @studenomics 😮👏🏼"
X Link 2023-12-04T02:59Z 13.6K followers, [--] engagements

"@ramit Landlords don't just charge tenants their mortgage principal amount and stop there. Mortgage interest is only a phantom cost if the homeowner doesn't know their numbers - and shouldn't be a landlord to start"
X Link 2023-12-04T03:10Z 13.6K followers, [---] engagements

"Landlords don't just charge tenants their mortgage principal amount and stop there. Mortgage interest is only a phantom cost if the homeowner doesn't know their numbers - and shouldn't be a landlord to start"
X Link 2023-12-04T03:11Z 13.7K followers, [----] engagements

"@Travel_Tyler @warrior_prof @honest_math I agree. A primary residence is a lifestyle decision"
X Link 2023-12-04T12:04Z 13.6K followers, [--] engagements

"@vikirti 👏🏼👏🏼"
X Link 2023-12-04T12:07Z 13.6K followers, [--] engagements

"Don't underestimate the true costs of homeownership. Or the true costs of renting. It's not just the mortgage payment. It's not just the rent payment. Either lifestyle decision involves opportunity costs both quantitative and qualitative"
X Link 2023-12-04T12:15Z 13.7K followers, [----] engagements

"@MattLaciskey A new business in addition to their current employer or do they plan to terminate employment once their new business launches If so is the unpaid loan amount subject to tax (+ 10% additional tax under age 59.5) worth the access to capital"
X Link 2023-12-04T12:29Z 13.7K followers, [---] engagements

"@olsonplanner How is smart defined by the ability to convert mph to kph Things you can simply ask your phone in [--] seconds and never use in real life"
X Link 2023-12-04T12:36Z 13.7K followers, [----] engagements

"@olsonplanner Those are both questions doctors could answer on the spot if they actually needed to apply it in their work"
X Link 2023-12-04T13:08Z 13.7K followers, [---] engagements

"@AffordAnything Clear pee's the way to be"
X Link 2023-12-04T14:01Z 13.7K followers, [---] engagements

"If you experience Imposter Syndrome in an advice-focused industry are you worried about: [--]. Giving incorrect advice [--]. Giving advice incorrectly [--]. Not having the correct answer to follow-up questions"
X Link 2023-12-04T16:53Z 13.6K followers, [---] engagements

"@jonathanjomu Imposter syndrome shows up when you're doing something important (and worth doing)"
X Link 2023-12-04T17:09Z 13.7K followers, [--] engagements

"These personal finance topics are primarily distractions: [--]. Roth IRA 5-Year Rules (they rarely apply) [--]. IRMAA (you can afford it) [--]. Backdoor Roth IRA (may not be worth the hassle) What would you add"
X Link 2023-12-04T17:16Z 13.7K followers, [----] engagements

"@SeanMoneyandTax More for you although you've covered most of them Choosing the "best" [---] savings account (and may not be worth using at all) The 4% Rule - based on how most people (mis)understand it Finding the "best" high-yield savings account"
X Link 2023-12-04T17:23Z 13.7K followers, [---] engagements

"@7Saturdaysaweek 100%"
X Link 2023-12-04T20:12Z 13.7K followers, [--] engagements

"Over the next two months Im creating a video course for DIY investors (non-advisors). Showing how to create a comprehensive financial plan as a family - easy to understand while going beyond the basics. Subscribe here to receive free content updates:"
X Link 2023-12-04T22:51Z 13.7K followers, [----] engagements

"You have access to an incredible but overlooked retirement savings vehicle: It's the Taxable Brokerage Account 💰No contribution limits 🤑No income thresholds 👶No early withdrawal penalties 🤗Capital gains tax treatment 🎁Tax-optimized giving 💸Tax gain/loss harvesting"
X Link 2023-12-05T12:31Z 13.7K followers, [----] engagements

"Most consumers don't know how to review a federal tax return. Many financial advisors don't either. So I'm going to post a free video this week showing how to walk through Form [----] with supporting schedules. You'll be surprised how simple it is"
X Link 2023-12-05T14:44Z 13.7K followers, [----] engagements

"What's your best argument for tax-loss harvesting NOT being worth it I think it's a valuable tax optimization strategy. I'll summarize why after hearing your takes"
X Link 2023-12-06T17:09Z 13.7K followers, [----] engagements

"@HML_Compounder Isn't the alternate fund in the same/similar asset category For example S&P [---] to Total Stock Market Index Nearly 100% positively correlated as cap-weighted US equity funds but with different benchmarks/holdings/etc"
X Link 2023-12-06T17:35Z 13.7K followers, [---] engagements

"@HML_Compounder @TKopelman I never sell to get back to the original fund [--] days later. I just switch back and forth annually (or semi-annually) at the most"
X Link 2023-12-06T17:38Z 13.7K followers, [---] engagements

"Things most people don't understand about federal income taxes including where they show up on the return: + GIFs --Thread--"
X Link 2023-12-07T14:41Z 13.7K followers, [----] engagements

"Your tax return (Form 1040) asks for qualified dividends (Line 3a) and ordinary dividends (Line 3b). But "ordinary" doesn't mean non-qualified Ordinary means both combined. You must subtract qualified dividends from ordinary dividends to determine your non-qualified dividends"
X Link 2023-12-07T14:41Z 13.7K followers, [---] engagements

"The Health Savings Account (HSA) contribution limit also includes any employer contributions. Contributions outside of payroll should also be on Form [----] - flowing to your Adjustments to Income on Schedule [--]. And unlike an IRA you don't need earned income to contribute"
X Link 2023-12-07T14:41Z 13.7K followers, [---] engagements

"There is much of this to come I am recording a video showing how I review a [----] federal tax return (Form [----] + other schedules) this weekend. If you want to learn more about tax planning please share this content to educate more people :-) My video post will be up soon"
X Link 2023-12-07T14:41Z 13.7K followers, [---] engagements

"@theficouple Thank you for sharing Do you plan to pay any of them down aggressively"
X Link 2023-12-08T12:40Z 13.7K followers, [---] engagements

"I don't HAVE to make my own income tax calculators. But it's so much more efficient for year-end tax planning I'll share how to make these during next Tuesday's Measure Twice Planners call"
X Link 2023-12-08T13:48Z 13.7K followers, [----] engagements

"@adamchapman519 @AngieHerbers Interesting Do happier people hire advisors Or does working with an advisor make people happier"
X Link 2023-12-09T12:42Z 13.7K followers, [---] engagements

"Is a risk-averse retiree less upset with a 60/40 portfolio than an 80/20 portfolio when the stock market falls The gap between risk tolerance and risk capacity is personalized financial education not risk tolerance questionnaires that lead to a cookie-cutter model portfolio"
X Link 2023-12-09T13:01Z 15.2K followers, [----] engagements

"@benjaminwfelix This information seems somewhat manipulative. Annualized returns in excess of the US stock market before and after joining the top [--] largest US stocks. With a cap-weighted US stock market this flattening should naturally occur. The top [--] holdings represent 27% of the market"
X Link 2023-12-11T23:53Z 13.7K followers, [---] engagements

"I've been told that clients prefer paying 1% AUM fees for their financial advisor because it's easy to understand. If asked how many AUM clients would know how much they pay their advisor as a dollar amount I'd bet that's also 1%. It's easy to sell not easy to understand"
X Link 2023-12-13T17:13Z 13.7K followers, [----] engagements

"@jasonfrieds But it's not $5000 per year. It's $1250 in Q1 $1389 in Q2 $1196 in Q3 and $1430 in Q4"
X Link 2023-12-13T17:41Z 13.7K followers, [---] engagements

"@_CBreed @Matthew_Garasic That sounds fun I'll look at it tomorrow"
X Link 2023-12-14T02:57Z 13.7K followers, [--] engagements

"It's easy to bash the 4% "rule." But nobody actually uses this "guideline" IN retirement. Having 25x your annual gross distribution need (before tax) is just a way to estimate if you're FI. Actual distributions will likely be higher than 4% in the beginning then lower later (due to other income sources such as Social Security)"
X Link 2023-12-14T13:01Z 13.8K followers, 11.8K engagements

"@mcknightandco That comes down to asset allocation not just the withdrawal rate"
X Link 2023-12-14T15:28Z 13.8K followers, [---] engagements

"Were you taught how to understand the federal income tax formula In my upcoming video course "How to Create Your Own Financial Plan" I will show you step-by-step how to review a federal income tax return. You'll be surprised how uncomplicated it is for most families"
X Link 2023-12-14T16:31Z 13.8K followers, [----] engagements

"Do you create and update a balance sheet Most have two columns: [--]. Assets (what you own) [--]. Liabilities (what you owe) But you can customize your balance sheet with additional variables you care about. Such as the balance between taxable/pre-tax/tax-free accounts"
X Link 2023-12-15T15:34Z 13.8K followers, [----] engagements

"Would you feel comfortable asking your parents for "oops" money "ooh" money or none of the above Oops = In the case of an emergency Ooh = In the case of an opportunity Even if my family were wealthy I would not feel comfortable asking for money (and hopefully never will)"
X Link 2023-12-15T18:41Z 13.8K followers, [----] engagements

"@jus10castelli One of my favorite lines as a musician - Nobodys going to call you if they dont have your number Even if your services are one-on-one you've got to spread your message one-to-many. Personally I can't just be a financial planner"
X Link 2023-12-17T03:20Z 13.4K followers, [---] engagements

"A 60/40 retirement portfolio doesn't mean every account must be allocated 60/40. For example: Taxable Brokerage: $500k (90/10) Traditional IRA: $1.5mm (45/55) Roth IRA: $250k (90/10) = Total Portfolio of 60/40 Asset location not just allocation *Not advice just education"
X Link 2023-12-17T13:31Z 15.6K followers, 18.7K engagements

"@jerrysends69 What about when retirement (and sequence of returns risk) kicks in"
X Link 2023-12-17T20:15Z 13.8K followers, [---] engagements

"@MarkMcGrathCFP @JarrettHolmesFP @aintfirstlast I definitely need to look into it. I don't think it's overhyped for many high-net-worth retirees. - Reduced RMDs / more Roth conversions - More opportunities for stepped-up cost basis - Reduced taxable interest income while living in a harsh state income tax environment (US)"
X Link 2023-12-17T22:30Z 15.7K followers, [---] engagements

"Financial planning is more than choosing which mutual funds to buy/sell. Here are the included summaries for a recent financial plan - without using financial planning software exports: Balance Sheet Investment Accounts Investment Funds Tax-Optimized Family Giving Tax-Optimized Charitable Giving Diversification Bond Ladders Tax-Optimized Asset Allocation Pension Analysis Social Security Distribution Order of Operations Retirement Spending Plan Medicare (& IRMAA) Income Tax Analysis Measurable Action Plan (MAP) Every plan involves different topics based on the family's comprehensive financial"
X Link 2023-12-18T20:03Z 13.8K followers, [----] engagements

"Our auto insurance cost went up 25%: $1006 -- $1268 for six months And we drive less than [----] miles per year. What should be my game plan"
X Link 2023-12-19T17:10Z 13.8K followers, [----] engagements

"You should be able to mark any message in life as "unread." Text messages social media comments and DMs etc. I often give myself enough time to read a message but not enough to respond (with ideal quality)"
X Link 2023-12-19T21:57Z 13.8K followers, [----] engagements

"When we first work together the primary focus is gaining clarity including simplifying accounts right-sizing the asset allocation and setting up a retirement distribution plan. In the following years the conversation shifts to tax optimization including Roth conversions charitable/family giving and health insurance subsidies. The quantitative value increases over time. I've owned my firm for [--] years and have been in the business for [--]. I love it"
X Link 2023-12-21T12:57Z 13.5K followers, [--] engagements

"Calculating your net worth does not need to be complicated: Net Worth = What You OWN - What You OWE We review ours annually but don't let it define our self-worth (in either direction)"
X Link 2023-12-22T01:58Z 13.8K followers, [----] engagements

"@FundIndexFund I'm definitely adding my kidney to the balance sheet moving forward 😁"
X Link 2023-12-22T12:43Z 13.8K followers, [--] engagements

"This will be my second year in a row without contributing to a 401(k). On purpose Your Accumulation Order of Operations should be re-evaluated every year. Ours for 2023: [--]. Family HSA [--]. Roth IRAs [--]. Taxable Brokerage And no there is no employer match available. 🙂"
X Link 2023-12-22T18:38Z 13.8K followers, 12.5K engagements

"@TKopelman @Bri_Klein To clarify: I mean you should be able to choose a different asset allocation per tax location. For example: Pre-Tax: 60/40 Roth: 100/0 Choosing from the same investment fund lineup"
X Link 2023-12-23T13:11Z 13.8K followers, [---] engagements

"@BookkeepingSide I LOVE taxable brokerage accounts. They're underrated for their flexibility and income tax control"
X Link 2023-12-23T16:27Z 13.8K followers, [---] engagements

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