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@TKopelman Avatar @TKopelman Thomas Kopelman 💵

Thomas Kopelman 💵 posts on X about money, financial planner, business, ton the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

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Social Influence

Social category influence finance XXXXX% cryptocurrencies XXXX%

Social topic influence money 9.09%, financial planner 4.55%, business 4.55%, ton 4.55%, asset allocation 4.55%, budgeting 4.55%, if you 2.27%, the first 2.27%, stocks #2380, $500k XXXX%

Top accounts mentioned or mentioned by @nathanielsford @allstwealth @brattobiz @yesadok @mrnqdc @scottjfinance @markcecchini @gautamdrafts @thedrewfeldman @baseout10 @jeffsteinerdo @alecsime @derek2137 @midmarketpeguy @aiime_ai @texasdave24 @quantradamus @jofi_joseph_99 @scottj_finance @jasfinance2020

Top assets mentioned Bitcoin (BTC)

Top Social Posts

Top posts by engagements in the last XX hours

"If you got a $1000000 mortgage at X% Then in the first X years XX% of the payments you make will go to interest If you increase it to X% then XXXX% of your payments would go to interest This is exactly why buying a home is not a good move in the short term And this does not even include transactional costs involved Buy when you know you will be there longer term that is when the numbers start to check out"
X Link 2025-12-11T13:18Z 37.8K followers, 3257 engagements

"Its why diversification and indexing is so powerful"
X Link 2025-12-11T17:16Z 37.8K followers, 15.8K engagements

"62% of millionaires work with a financial planner For many early on they can handle it themselves But as you: - have a business - start making $500k+ - have equity comp - own real estate - etc. A real financial advisor can add a ton of value"
X Link 2025-11-13T16:50Z 37.8K followers, 3341 engagements

"Most people have heard of asset allocation But most dont know about asset LOCATION Getting this right can lead to 6-7 figures in tax savings Nailing asset location looks like this: - highest growth assets in Roth: no bonds - lowest growth assets and those with tax drags in pre-tax: taxable bonds REITs high dividend investments etc. - most tax efficient in taxable: ETFs low dividend investments tax free bonds etc"
X Link 2025-11-24T22:31Z 37.8K followers, 8080 engagements

"There is nothing wrong with using target date funds (although I think there are better options) but it does not make sense to mix a 2040 and a 2060 target date fund You just want to pick one based on your risk and time horizon"
X Link 2025-12-01T11:58Z 37.8K followers, XXX engagements

"4. Picking funds only based on past performance Say it with me "past performance does not dictate future performance" You want to pick your investments based on the proper asset allocation Not just based on what did well in the past Do your research or work with an advisor"
X Link 2025-12-01T11:58Z 37.8K followers, XXX engagements

"Why People feel restricted And then they eventually burn out and give up on budgeting"
X Link 2025-12-04T11:58Z 37.8K followers, 1302 engagements

"What do I like better Reverse budgeting This is where after a few months of budgeting you figure out your average monthly variable spending And then save an automate first based on your goals"
X Link 2025-12-04T11:58Z 37.8K followers, 1322 engagements

"A lot of financial advisors believe personal finance is black and white I dont at all I have some non traditional views that a lot wouldnt agree Heres some examples: - I believe in bitcoin and allocate a good percentage of my income there. Many of my clients do as well. But also dont push it. Its a personal choice. Most either hate it or they think you should allocate everything to it. I think both are wrong. - I believe you can have 10-20% of your portfolio outside of ETFs and index funds invested in things you enjoy and find interesting - cars are great. You can spend a lot of money on a"
X Link 2025-12-03T13:19Z 37.8K followers, 7017 engagements

"48% of U.S. adults experience high or moderate levels of anxiety around their level of savings Much of this stress comes from people just winging it While not everyone needs an ongoing financial planner most people could benefit from working with one No matter who I work with there are typically 10-20 blind spots and areas of improvement they never even thought of This is why a little bit of proactive planning can be so impactful"
X Link 2025-12-03T16:58Z 37.8K followers, 2553 engagements

"Lump Sum Investing vs Dollar Cost Averaging 9/10 people will tell you to dollar cost average But what they really mean is invest your extra surplus each month (which is lump sum investing) Dollar cost averaging is when you have a pool of money and deciding to invest it over 6-12 months vs right away Which is better Here's what the numbers say Lump sum wins over XX% of the time For some that means get it all in For others they know these numbers but prefer to slow roll it and that is okay"
X Link 2025-12-03T22:33Z 37.8K followers, 8622 engagements

"3 common cash mistakes many of my new clients were making before working with us: 1: Sitting on too much cash in your checking account Moving this cash to a HYSA money market fund muni money market fund etc. is often a no brainer No reason to be leaving your cash somewhere with X% interest when you can get 4%+ X. Sitting on too much cash that is being taxed at your income rate We have clients come in with $1-$5mil of cash. The good part it's getting a yield The bad part they are paying 40-53% tax on this cash Instead could move to a good muni money market fund that is getting a 5-7% after tax"
X Link 2025-12-09T13:11Z 37.8K followers, 3980 engagements

"We have a newer client that started with us earlier this year This person had a taxable income of well over $5mil We wanted to get on the same page as their tax team who is also new We came to the meeting with: - all income planned out - all taxes owed planned out - all quarterlies mapped out - what the portfolio will give off in income - all the tax planning moves like adding a solo 401(k) hiring spouse who does work already DAF for highly appreciated employer stock PTET election for first year S Corp self employment tax planning etc. End the meeting with the CPA team telling us they have"
X Link 2025-12-09T22:33Z 37.8K followers, 8023 engagements

"Many of the clients who work with me have experienced a significant income jump They have gone from earning around $200k to over $1mil in just a few years While this change is incredibly exciting it also opens up a world of planning opportunities Here's my advice to them:"
X Link 2025-12-11T11:58Z 37.8K followers, 7561 engagements

"Invest based on time frame 0-2 years = HYSA bonds CD's Money market funds 2-5 years =bonds small allocation to equties CDs money market funds HYSA etc 5-10 years = Lower risk portfolio XX years + = Equities real estate etc"
X Link 2025-12-11T22:26Z 37.8K followers, 4587 engagements

"Having a baby forces you to get serious about your finances - Life insurance - Health insurance - Estate planning - Cash reserves Today's new episode walks through exactly what I did to prepare for our first child + what I see most people miss:"
X Link 2025-12-12T11:58Z 37.8K followers, 1172 engagements

"You are limited with what tax planning you can do as an employee But that does not mean tax planning moves don't exist You just have to nail them all Here are some of the best ways to lower your lifetime tax liability as a W2 employee: - pre-tax 401(k) - HSA - FSA - Dependent Care FSA - Donate to charity (DAF or lumping giving makes sense oftentimes) - mortgage interest - XXX plans - backdoor Roth IRA - mega backdoor Roth 401(k)"
X Link 2025-12-12T13:14Z 37.8K followers, 1989 engagements

"Heres a simple rule You shouldnt have a car loan larger than your emergency fund + taxable account So many business owners want to buy luxury cars at year end to save on taxes And its just not the move to spend a ton of money on a non productive asset"
X Link 2025-12-12T16:46Z 37.8K followers, 1809 engagements

"Real financial freedom is about being able to handle anything that comes your way Once you understand that youll realize liquidity is the most important thing Ive seen people who are $5-$10mil+ net worth yet cant handle a high expense emergency large property tax increase surprise tax bill etc Thats not financial freedom"
X Link 2025-12-12T22:28Z 37.8K followers, 1598 engagements