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@NxtGenPlanning Avatar @NxtGenPlanning Devin McCombs, CFP®, CSLP®

Devin McCombs, CFP®, CSLP® posts on X about unrealized gains, tax bracket, $hood, stocks the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

Engagements: XXXXX #

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Mentions: XX #

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Followers: XXXXX #

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Social Influence #

Social category influence finance XXX% stocks XXXX% cryptocurrencies XXXX%

Social topic influence unrealized gains 0.92%, tax bracket 0.61%, $hood #849, stocks 0.61%, retirement 0.61%, investment 0.61%, sentiment 0.31%, $5k 0.31%, $7k 0.31%, intro #1263

Top accounts mentioned or mentioned by @franwalsh73 @cliffcornell @ryanopulus @dlwealth @sparkingfirenc @retaineradvisor @tkopelman @dincplanning @dl_wealth @maxpashman @finphilosopher @glennqdc @investedinyou @danjstefanski @atomicplanning @imavibecoder @clarkjeffriesfp @azmark99921960 @glen_nqdc @themattviera

Top assets mentioned Robinhood Markets, Inc. (HOOD) Oracle Corporation (ORCL) Bitcoin (BTC)

Top Social Posts #

Top posts by engagements in the last XX hours

"Commonly we have clients with a million or more of unrealized gains in one position Because of market volatility they want out of this position both: - Quickly and - Without paying 30%+ in taxes (CA residents)"
X Link @NxtGenPlanning 2025-10-09T11:33Z 1456 followers, XX engagements

"Lastly there are a few common mistakes made with NQSOs Your employer is not responsible covering all taxes via withholdings you are Liquidity the employee needs to have cash on hand for exercise + taxes Expiration NQSOs have a 10-year window to be exercised after that the options are worthless"
X Link @NxtGenPlanning 2025-10-13T11:33Z 1456 followers, XX engagements

"@cliffcornell_ Cliff please send me an introduction I would love to discuss the cornerstone of financial planning with this (un) fortunate classmate - the Variable Universal Life policy"
X Link @NxtGenPlanning 2025-10-13T14:47Z 1456 followers, XX engagements

"With such a straightforward offering where does the planning come in Deciding when to exercise these NQSOs becomes key We target: - Lower than normal income years - In anticipation of future share price increases - When there is room in the current tax bracket"
X Link @NxtGenPlanning 2025-10-13T11:33Z 1453 followers, XX engagements

"Generally we head down one of four paths: X. Cash to fund L/S X. Monitor exchange/swap fund opportunities X. Map holdings into larger portfolio X. Box spread loans"
X Link @NxtGenPlanning 2025-10-10T11:33Z 1457 followers, XX engagements

"Recently the majority of new clients have single positions with huge unrealized gains These positions are costly to sell out of and derisking is a common need Enter the leveraged long/short SmA (Separately Managed Account)"
X Link @NxtGenPlanning 2025-10-09T11:33Z 1456 followers, XX engagements

"@galexcarlson 😂😂 i get the sentiment Good news is young investors can be incredibly risk on I wouldnt be that risk on but ohh well"
X Link @NxtGenPlanning 2025-10-13T23:04Z 1456 followers, XX engagements

"@SparkingFIRENC I love this Had one summer that I got really good at table tennis (for a 17-year-old) went to a tournament and got humbled quickly After the upfront cost I have gotten really into flyfishing looking forward to getting better at that + retiring one day to that hobby"
X Link @NxtGenPlanning 2025-10-13T21:59Z 1456 followers, XX engagements

"@Musing_Thinking I get it There is a huge element of sleep well at night that is hard to put a price on I'm XX every dollar I invest today has so much growth potential. I still keep some cash on hand"
X Link @NxtGenPlanning 2025-10-14T17:47Z 1456 followers, XX engagements

"Can someone talk me out of the Amex Gold Card I spend $5k-$7k monthly jointly though the card. I already have the Chase Sapphire Reserve with a load of points. Just looking to max out an intro offer and hold onto these two cards for good Moderate travel honeymoon in a year I think I'll have almost 300k points between the two by this time next year I know there are some CC warriors on here - thoughts"
X Link @NxtGenPlanning 2025-10-14T17:25Z 1457 followers, 7631 engagements

"One last opportunity I want to discuss is the recent ability offered to investors by Robinhood to short stocks Shorting is a hallmark of active management a process we know produces poor returns relative to an indexing approach"
X Link @NxtGenPlanning 2025-10-15T11:33Z 1456 followers, XX engagements

"Many ORCL employees got a letter giving them the opportunity to opt into XXX% ISO's XXX% RSU's or a 50/50 split of each with ISO's offered 4:1 I spent some time with our ORCL employee-clients reviewing their options how these fit into their plans so that they could make an informed decision on the split Key to this decision was beliefs about the stock risk tolerance and the strike price of the ISO's We used the latter of the trio to calculate the breakeven amount where the ISO's would be more attractive after taxes than the RSU's For kicks I threw the scenario into Copilot It was like a scene"
X Link @NxtGenPlanning 2025-10-07T15:24Z 1456 followers, 1890 engagements

"@atomicplanning Huh that's really interesting actually Great call out"
X Link @NxtGenPlanning 2025-10-14T20:46Z 1456 followers, XXX engagements

"@jackiekenoyer These one off (nothings truly a one off) expenses are so often what wrecks a good budget Great post"
X Link @NxtGenPlanning 2025-10-13T14:39Z 1453 followers, XX engagements

"New clients generally reach out after one of a few life events: - Income/expense complexity outstrips time - Large liquidity events - Equity compensation complexity - Student loan planning"
X Link @NxtGenPlanning 2025-10-09T11:33Z 1456 followers, XX engagements

"@FortWayneCPA Terrifying between leverage rules Robinhood allowing shorting crypto/RE/private deals in retirement plans and challenges to the accredited investor rules It's open season on the under informed "Personal freedoms" are going to see a lot of people lose their life savings"
X Link @NxtGenPlanning 2025-10-13T17:04Z 1457 followers, XX engagements

"If they get an allowance for chores break it up: XX% is theirs XX% is "charity" XX% is investing Let them pick a few stocks (favorite toy companies etc) and choose an index (R3/S&P etc) split their investments 50/50 so they can see them grow Hold their XX% for charity and come the holidays let them be the ones to give it to the Red Cross at the grocery store or donate it to a shelter/kids in the local area General stuff: - Match earned income in Roth's - Add them as authorized payer son your CC don't actually give them a card but build credit history - Discuss money as it relates to family"
X Link @NxtGenPlanning 2025-10-13T16:15Z 1457 followers, XXX engagements

"Sure the flip side is a medical expense/home repair/car accident forcing you to sell in a down market A handful of these capital draws to the tune of 10-30k each (very normal) could set you back 200k over a lifetime easily We aren't against XXX% equity/investments because we hate return. it doesn't end up being supported by the math and it keeps our clients up at night Even the XXX% equity all the time guru himself Nick Murray champions the cash reserve strategy One note though you keep mentioning conflating crypto with Bitcoin would you be willing to expand on that Here or DM's I am"
X Link @NxtGenPlanning 2025-10-14T01:20Z 1456 followers, XX engagements

"The most common solution has been to sell some stock to fund a L/S strategy This strategy funded with cash produces significant losses These losses offset unrealized gains in company stock increasing diversification minimizing taxes"
X Link @NxtGenPlanning 2025-10-10T11:33Z 1457 followers, XX engagements

"@TKopelman Ohh actually I just cant justify a $XXX fee Especially for rewards I dont take advantage of already Chase Sapphire preferred is my everything card now With a honeymoon coming it I can justify the intro offer spending easily"
X Link @NxtGenPlanning 2025-10-15T00:30Z 1456 followers, XXX engagements

"Hundreds of thousands of dollars on a 20-50k emergency fund Whats the opportunity cost of the risk free 2-4.5% versus being forced to sell in down markets For many of my clients this is a no brainer Also the embedded assumption is that crypto is some unicorn the only goes up and to the right far out pacing equities Weve seen unicorns before in the markets"
X Link @NxtGenPlanning 2025-10-14T01:02Z 1456 followers, XX engagements

"@markcecchini You mean the future VT head coach"
X Link @NxtGenPlanning 2025-10-15T14:28Z 1456 followers, XX engagements

"@azmark99921960 I'm in Denver so a huge airport. the issue is I rotate through Frontier Southwest and United so frequently I feel like I'd never run it up That is great advice though"
X Link @NxtGenPlanning 2025-10-14T19:29Z 1456 followers, XXX engagements

"Both opportunities distract from traditional equity markets and Id wager intelligent index investors will outperform those chasing these opportunities by several orders of magnitude over long time periods"
X Link @NxtGenPlanning 2025-10-15T11:33Z 1456 followers, XX engagements

"On today's edition of 401k's are a scam. We're comparing the employer match to a mythical asset class that returns XX% a year If your 401k plan offers a match get the free money it's hard to find. After vesting you can access those funds in a pinch via 72t or hardship withdrawals Comparing 401k contributions to buying bitcoin (which had one of the most successful recent runs in history) is nonsensical and intellectually dishonest The odds Bitcoin repeats its past XX years success is about the same as me getting drafted by the Jags next year The employer match in your 401k is just a part of"
X Link @NxtGenPlanning 2025-10-13T20:52Z 1456 followers, 6866 engagements

"When an individual invests in a taxable account their purchase price is their basis Their basis is generally returned tax free and gains are taxable So when a $XXX investment ballons to $1000 the individual will pay tax on $XXX at LTCG rates at sale Which is different than having an extra $XXX of ordinary income"
X Link @NxtGenPlanning 2025-10-09T11:33Z 1456 followers, XX engagements

"Low-income years are a great time to exercise NQSOs Early in retirement or during sabbaticals we have inexpensive tax brackets that shouldn't go to waste"
X Link @NxtGenPlanning 2025-10-13T11:33Z 1456 followers, XX engagements

"Shorting is a poor idea for many reasons: - Theoretically unbounded losses/finite gains - Wasting of shorting - similar to vix - Time/Energy requirement"
X Link @NxtGenPlanning 2025-10-15T11:33Z 1456 followers, XX engagements

"Withholdings are standard for supplemental income for NQSOs - XX% of the first $1M is withheld - XX% of any income exceeding $1M Obviously there is a huge gap between XX% and XX% plus state taxes Its important to account for this when making estimated payments"
X Link @NxtGenPlanning 2025-10-13T11:33Z 1456 followers, XX engagements

"@FinFreedom414 Haha I appreciate it I think it's great this strategy works for you across the XXX or so client households I work with I don't know that there is a single one what would be ok with this risk profile That said finance is personal I am rooting for you"
X Link @NxtGenPlanning 2025-10-13T20:58Z 1457 followers, XXX engagements

"@DL_Wealth Very apples to oranges TBH this kind of rabid "fan base" is what scares people away from BTC"
X Link @NxtGenPlanning 2025-10-15T14:22Z 1456 followers, XX engagements

"All advice is not created equal on the internet. Case and point here I know investors who this could work for they're extremely far and few between An emergency fund is the bedrock of any financial plan; it tends to be essential for the "sleep well at night" crowd Yes you are giving up some return by having a chunk of capital on the sidelines You're also giving yourself some much-needed cushion. House reno in a down market Could cost XX% more. Medical emergency Better get ready to work a few more years IMO this is exposing yourself to (sequence) of return risk more than is prudent. If the"
X Link @NxtGenPlanning 2025-10-13T20:43Z 1457 followers, 14.1K engagements