#  @JrdnMcFarland Jordan McFarland, CFP® Jordan McFarland, CFP® posts on X about business, money, if you, retirement the most. They currently have [---] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/twitter::1727386797007593472/interactions)  - [--] Week [-------] +1,261% - [--] Month [-------] +211,553% - [--] Months [-------] +123,781% - [--] Year [-------] +717% ### Mentions: [--] [#](/creator/twitter::1727386797007593472/posts_active)  - [--] Month [--] +5,600% - [--] Months [--] +321% - [--] Year [--] +59% ### Followers: [---] [#](/creator/twitter::1727386797007593472/followers)  - [--] Week [---] +53% - [--] Month [---] +314% - [--] Months [---] +273% - [--] Year [---] +292% ### CreatorRank: [-------] [#](/creator/twitter::1727386797007593472/influencer_rank)  ### Social Influence **Social category influence** [countries](/list/countries) [finance](/list/finance) [stocks](/list/stocks) [technology brands](/list/technology-brands) [cryptocurrencies](/list/cryptocurrencies) [social networks](/list/social-networks) [automotive brands](/list/automotive-brands) **Social topic influence** [business](/topic/business), [money](/topic/money), [if you](/topic/if-you), [retirement](/topic/retirement), [investment](/topic/investment) #2217, [in the](/topic/in-the) #2994, [future](/topic/future), [stocks](/topic/stocks), [this is](/topic/this-is), [capital gains](/topic/capital-gains) **Top accounts mentioned or mentioned by** [@mrnqdc](/creator/undefined) [@raydalio](/creator/undefined) [@tkopelman](/creator/undefined) [@genzmultifamily](/creator/undefined) [@moneycruncher](/creator/undefined) [@boringbiz](/creator/undefined) [@themoviedadsc](/creator/undefined) [@receptivedesign](/creator/undefined) [@mikecjunior](/creator/undefined) [@markcecchini](/creator/undefined) [@seviay31](/creator/undefined) [@jnissikim](/creator/undefined) [@thegeodexes](/creator/undefined) [@wwmiloww](/creator/undefined) [@nathanielsford](/creator/undefined) [@upholdreality](/creator/undefined) [@txcardboyz](/creator/undefined) [@proeraassoc](/creator/undefined) [@spxsatoshi](/creator/undefined) [@mariosewnice](/creator/undefined) **Top assets mentioned** [Bitcoin (BTC)](/topic/bitcoin) [Tesla, Inc. (TSLA)](/topic/tesla) [BlackRock Inc (BLK)](/topic/blackrock) [Regret (REGRET)](/topic/regret) ### Top Social Posts Top posts by engagements in the last [--] hours "@douglaskarr @ChipotleTweets @exjon How did you drop $20 on chipotle Youve gotta be doubling up on everything with chips" [X Link](https://x.com/JrdnMcFarland/status/1734313209535005173) 2023-12-11T20:44Z [--] followers, [--] engagements "Allowing investments to compound is much more important than finding the perfect investment for someone with under 100k to invest" [X Link](https://x.com/JrdnMcFarland/status/1741210735693255046) 2023-12-30T21:32Z [--] followers, [--] engagements "Bitcoin ETF hit this week. Big deal more so that someone like Larry Fink knighted this as an investment but will be interesting to see where this lands in the next ten years" [X Link](https://x.com/JrdnMcFarland/status/1745989146030616768) 2024-01-13T02:00Z [--] followers, [--] engagements "Larry Fink CEO of BlackRock gave his annual letter this week to investors. Here are [--] things to take away regardless of what you think of him" [X Link](https://x.com/JrdnMcFarland/status/1773038886253428979) 2024-03-27T17:26Z [--] followers, [--] engagements "2. We have done a better job at making life last longer but not at making our investments and retirement accounts last longer" [X Link](https://x.com/JrdnMcFarland/status/1773038889592029198) 2024-03-27T17:26Z [--] followers, [--] engagements "3. He advises rethinking retirement age encouraging longer workforce participation simplifying retirement investing and providing retirement income solutions that offer financial certainty for retirees" [X Link](https://x.com/JrdnMcFarland/status/1773038891034960134) 2024-03-27T17:26Z [--] followers, [--] engagements "@unusual_whales It would probably be ideal to hold government to a select number of investments like regular people and their 401(k)s. Doesnt ban them from investing bans them from literally insider trading. Just a thought" [X Link](https://x.com/JrdnMcFarland/status/1877036883160485950) 2025-01-08T16:57Z [--] followers, [--] engagements "How much of this matters in conjunction with the factors that impact the market you mentioned in your book @BrianFeroldi" [X Link](https://x.com/JrdnMcFarland/status/1877380748635709706) 2025-01-09T15:43Z [--] followers, [--] engagements "@MacroAlf Interesting. Historically speaking its at least close to normal so could it be something other than rates alone" [X Link](https://x.com/JrdnMcFarland/status/1877385946661888081) 2025-01-09T16:04Z [--] followers, [--] engagements "Heard about the backdoor Roth IRA but not sure how it works Its a strategy for legally getting money into a Roth IRA when you earn too much to contribute directly. Heres a quick thread to break it down" [X Link](https://x.com/JrdnMcFarland/status/1877555244961268032) 2025-01-10T03:17Z [--] followers, [--] engagements "1) First why care about a Roth IRA - Tax-free growth - Tax-free withdrawals in retirement - No Required Minimum Distributions (RMDs) - Easier inheritance Its one of the best retirement accounts out there but income limits can block high earners from contributing directly" [X Link](https://x.com/JrdnMcFarland/status/1877555246811197541) 2025-01-10T03:17Z [--] followers, [--] engagements "4) Watch out for the pro-rata rule If you have other pre-tax IRA funds the IRS looks at all your IRAs together when calculating the tax owed during the conversion. This can make the strategy messy" [X Link](https://x.com/JrdnMcFarland/status/1877555256202244207) 2025-01-10T03:17Z [--] followers, [--] engagements "5) The backdoor Roth IRA is 100% legal as the govt would never allow anything to sneak past their gaze. Its a powerful tool for high-income earners who want tax-free growth in retirement" [X Link](https://x.com/JrdnMcFarland/status/1877555258156593556) 2025-01-10T03:17Z [--] followers, [--] engagements "Want to discuss if a backdoor Roth IRA is right for you Talk to a financial advisor or a tax professionaltiming and execution are everything with this strategy" [X Link](https://x.com/JrdnMcFarland/status/1877555260283302101) 2025-01-10T03:17Z [--] followers, [--] engagements "The College Football Playoff committee watching a game that finally keeps fans engaged until the end" [X Link](https://x.com/JrdnMcFarland/status/1877562249256251523) 2025-01-10T03:44Z [--] followers, [--] engagements "Business owners and entrepreneurs have tremendous investment and tax opportunities available to them. One of them is the Solo 401(k)" [X Link](https://x.com/JrdnMcFarland/status/1877794289737994263) 2025-01-10T19:07Z [--] followers, [--] engagements "This is a 401(k) designed for self-employed individuals with no employees (except a spouse). Think of it as: 👤 Solo 401(k): For you and your side hustle/business. 👥 Regular 401(k): For you and your company team" [X Link](https://x.com/JrdnMcFarland/status/1877794290643972258) 2025-01-10T19:07Z [--] followers, [--] engagements "Here are a few great features of the Solo: [--]. You can contribute a combined total of $70000 in [----] up from $69000 in [----]. (You contribute as both employee and employer.) [--]. You can choose between Traditional (pre-tax) or Roth (after-tax) contributions" [X Link](https://x.com/JrdnMcFarland/status/1877794291520512098) 2025-01-10T19:07Z [--] followers, [--] engagements "3. You can usually borrow up to $50000 or 50% of the account balance (whichever is less) for emergencies or investments. [--]. If your spouse works in your business they can also contribute up to the max doubling retirement savings" [X Link](https://x.com/JrdnMcFarland/status/1877794292380434548) 2025-01-10T19:07Z [--] followers, [--] engagements "5. There is typically LESS paperwork and MORE investment options and FGEWER fees compared to a traditional 401(k). You will also have the opportunity to rollover funds from other retirement accounts (like IRAs or old 401(k)s) for consolidation and streamlined management" [X Link](https://x.com/JrdnMcFarland/status/1877794293315731932) 2025-01-10T19:07Z [--] followers, [--] engagements "What does it take to get started Well first you have to have a business. This means an EIN number and no other employees (other than a spouse). Once these are completed it's quite simple. Reach out today if you need help taking the right steps" [X Link](https://x.com/JrdnMcFarland/status/1877794294276259899) 2025-01-10T19:07Z [--] followers, [--] engagements "I foresee a 21-3 OSU lead going into halftime and Ewers being replaced by Manning. Similar to the Tua move Alabama made many years ago at halftime" [X Link](https://x.com/JrdnMcFarland/status/1877890150082183308) 2025-01-11T01:27Z [--] followers, [--] engagements "Mortgage rates can be confusing (on top of being frustrating for those looking to purchase a home in 2025). Here are [--] things that would be helpful to understand if you are someone considering buying a home in the future - near or far" [X Link](https://x.com/JrdnMcFarland/status/1878198136075632672) 2025-01-11T21:51Z [--] followers, [--] engagements "1. There are different types of loans. For simplicity's sake there are three things to focus on: time interest type and eligibility. As you can see in the photo the most common are [--] and [--] year loans with [--] being the most common. Next is fixed vs. variable" [X Link](https://x.com/JrdnMcFarland/status/1878198137640128788) 2025-01-11T21:51Z [--] followers, [--] engagements "2. Fixed vs. Variable The more common of the two is the fixed loan. An upfront agreement for (x) amount of time with (x%) loan interest rate. Variable (or adjustable) is the opposite. It can change over time. Typically this can happen a max of [--] time per year" [X Link](https://x.com/JrdnMcFarland/status/1878198138856423518) 2025-01-11T21:51Z [--] followers, [--] engagements "3. Eligibility There are also different type of loans depending on your background. - Jumbo Loan: For high-value properties exceeding standard loan limits. - FHA Loan: Government-backed loan for lower-income/first-time buyers. - VA Loan: Government-backed loan for veterans" [X Link](https://x.com/JrdnMcFarland/status/1878198139800199600) 2025-01-11T21:51Z [--] followers, [--] engagements "Real estate can be a great investment but unlike what many say it DOES NOT only go up. Take a look at this chart. While it is a bit of a stretch to say every decrease stems from a correct or downfall in the real estate market we can gather there are certainly patterns" [X Link](https://x.com/JrdnMcFarland/status/1878206761477321062) 2025-01-11T22:26Z [--] followers, [--] engagements "Taking COVID for an example [----] represents the lowest mortgage rate since [----]. Rates below 2.5% are unimaginable today but families were taking advantage of re-financing their homes just under [--] years ago. Along with their cash saved from this prices sky-rocketed" [X Link](https://x.com/JrdnMcFarland/status/1878206762727129097) 2025-01-11T22:26Z [--] followers, [--] engagements "Settling in around $420k the median home price in America is higher than ever. While this while pay off nicely for those who have owned their homes over this period it leaves a BIG decision on their hands" [X Link](https://x.com/JrdnMcFarland/status/1878206763570262125) 2025-01-11T22:26Z [--] followers, [--] engagements "Sell and take the capital gain OR hold to avoid having to find a new home with a higher interest rate at the highest historical prices The answer of course will depend on the person but ultimately there really is NO right choice" [X Link](https://x.com/JrdnMcFarland/status/1878206765063393294) 2025-01-11T22:26Z [--] followers, [--] engagements "Im sure theres more to it than meets the eye but predatory advising happens well before college. As an athlete that was drafted and signed to a university the amount of approaches I received that felt like a used car pitch was not good. Im sure its even worse today. NIL agent Noah Reisenfeld claims pretty much every NIL agency charges 20% compared to NFL/NBA standard of 3-5% his justification: If you compare a $10 million NFL deal to a $1 million deal in college an agent makes $300k in NFL vs $200k in college. (🎥 @beinthekneaux/YT) https://t.co/J3vjay82I8 NIL agent Noah Reisenfeld claims" [X Link](https://x.com/JrdnMcFarland/status/1878305485713236046) 2025-01-12T04:58Z [--] followers, [--] engagements "2. Work Hard: Success comes from consistent effort diligence and making the most of your time. It's incredibly easy to waste time in today's world. On platforms such as the one you're on now Be mindful of this" [X Link](https://x.com/JrdnMcFarland/status/1878879751135183103) 2025-01-13T19:00Z [--] followers, [--] engagements "3. Value Frugality: Spend wisely avoid waste and focus on saving rather than indulging in unnecessary luxuries. "A fat kitchen makes a lean will" as Franklin puts it" [X Link](https://x.com/JrdnMcFarland/status/1878879753584734524) 2025-01-13T19:00Z [--] followers, [--] engagements "Times are changing in the financial advisor world. Seems that partnering with your golf buddy who talks about the economy for 1.5% of your net worth fee is going away and millennials are switching to a lower fee at a higher value. Just my opinion" [X Link](https://x.com/JrdnMcFarland/status/1879219697683730509) 2025-01-14T17:31Z [--] followers, [--] engagements "As I review some annuities this morning I'm reminded of how often clients buy them in their past and then regret them a mere [--] or [--] years later. A lot of the younger generation is not even familiar with annuities so I'm going to list off [--] important things to know about them:" [X Link](https://x.com/JrdnMcFarland/status/1879558782511943868) 2025-01-15T15:58Z [--] followers, [--] engagements "@FitFounder A man could have all he needs by walking squatting and benching" [X Link](https://x.com/JrdnMcFarland/status/1880009645911351502) 2025-01-16T21:50Z [--] followers, [--] engagements "@TrungTPhan Remarkable tweet" [X Link](https://x.com/JrdnMcFarland/status/1880016475114930195) 2025-01-16T22:17Z [--] followers, [--] engagements "Theyre actually banning Tik Tok I thought that was some marketing ploy. Remarkable what the government speeds can look likewhen they want something done. Makes you wonder" [X Link](https://x.com/JrdnMcFarland/status/1880300241351766050) 2025-01-17T17:04Z [--] followers, [--] engagements "@rledbetterCPA Such a great thread. Thanks for sharing" [X Link](https://x.com/JrdnMcFarland/status/1880452587348189461) 2025-01-18T03:10Z [--] followers, 27.9K engagements "@TKopelman I recommend @DavidBahnsen on anything dividends. The reasoning goes beyond liking payments from holdings" [X Link](https://x.com/JrdnMcFarland/status/1880453599731544141) 2025-01-18T03:14Z [--] followers, [---] engagements "@PeterMallouk You must be kidding" [X Link](https://x.com/JrdnMcFarland/status/1880603331544093093) 2025-01-18T13:09Z [--] followers, [---] engagements "@mortgagetruth Interesting. Even if inflation and the economy are cooling its difficult to predict what the housing market will be like this year just because of the amount of sellers vs buyers. Do you believe slightly lower rates would make much of an impact" [X Link](https://x.com/JrdnMcFarland/status/1880620406345969973) 2025-01-18T14:16Z [--] followers, [--] engagements "@MorningBrew To be fair they all run companies. The rest of us are checking ESPN" [X Link](https://x.com/JrdnMcFarland/status/1881382780275507491) 2025-01-20T16:46Z [--] followers, [---] engagements "What is going to happen to the estate tax in [----] Among the many changes taking place from the White House this may be one that stays the same. The current set up is anyone with an estate of $13.99 MM is able to pass their wealth on tax free but" [X Link](https://x.com/JrdnMcFarland/status/1881802117771624885) 2025-01-21T20:32Z [--] followers, [--] engagements "Simple IRA For employers with under [---] employees the Simple requires an employer contribution of either a 3% of salary match or 2% contribution based off salary. Unlike the SEP a contribution must be made annually. Employees can contribute but they don't have to" [X Link](https://x.com/JrdnMcFarland/status/1882482251893444829) 2025-01-23T17:35Z [--] followers, [--] engagements "We have merely scratched the surface of what an owner can do or what they should do. Follow me for more info on business owner financial planning" [X Link](https://x.com/JrdnMcFarland/status/1882482252765970853) 2025-01-23T17:35Z [--] followers, [--] engagements "Whats going on in the White House is great but whats going on in your House is more important. Priorities matter" [X Link](https://x.com/JrdnMcFarland/status/1882832640832868643) 2025-01-24T16:47Z [--] followers, [--] engagements "Before [----] just about every account in someone's estate received a step up in basis. The REMOVAL of this was HUGE because the beneficiary of those accounts was able to avoid paying taxes on the large portion of gains that occurred during their parent/grandparent's life" [X Link](https://x.com/JrdnMcFarland/status/1886813097165275316) 2025-02-04T16:24Z [--] followers, [--] engagements "The accounts that are STILL taxable to the beneficiary are known as Income in Respect of a Decedent (IRD) and include: - Money owed to decedent at death (wages etc.) - Rental Income - Accounts receivable from business - Annuity/retirement income - Tax-deferred accounts" [X Link](https://x.com/JrdnMcFarland/status/1886813098444718174) 2025-02-04T16:24Z [--] followers, [--] engagements "@BobEUnlimited Jamie Dimon just called credit a bad risk and warned about retail pouring into private credit. As liquidity thins and due diligence varies is this the next shoe to drop Curious to hear your take on how advisors should be thinking about this" [X Link](https://x.com/JrdnMcFarland/status/1924625705125470705) 2025-05-20T00:38Z [--] followers, [--] engagements "If you own any single stocks in your portfolio youve probably owned at least one in your life that hasnt performed they way you expected. Tax loss harvesting allows you to use losers to sell winners you were already planning on selling and pay [--] tax in the process" [X Link](https://x.com/JrdnMcFarland/status/1924935783212863494) 2025-05-20T21:10Z [--] followers, [--] engagements "Simply put the goal is to reduce taxes on gains you were going to realize anyway. This only makes sense in a taxable brokerage account as retirement or qualified accounts like your 401(k) IRA or Roth IRA all have deferred or no taxation" [X Link](https://x.com/JrdnMcFarland/status/1924935785733591468) 2025-05-20T21:10Z [--] followers, [--] engagements "President Trump has come out with a new plan for taxation in America. Recently I released a video on my YouTube sharing [--] of the most impactful changespotentially. Check it out in the comments if youd like to learn more" [X Link](https://x.com/JrdnMcFarland/status/1925214123219956094) 2025-05-21T15:36Z [--] followers, [--] engagements "1) Homeowners with above a 4-5% interest rate. Be mindful of those mortgage refund offers that come in the mail. Other words maybe special refinance offer or mortgage rate deduction. These are not entirely fake but are very misleading" [X Link](https://x.com/JrdnMcFarland/status/1926748209243652533) 2025-05-25T21:12Z [--] followers, [--] engagements "@Austen Or a collection of people" [X Link](https://x.com/JrdnMcFarland/status/1944780300493422626) 2025-07-14T15:25Z [--] followers, [--] engagements ""The rich person tax." Ah yes NIIT. Applies to things like interest from bonds profit from investments (cap gains) and even passive business income like rental income from real estate" [X Link](https://x.com/JrdnMcFarland/status/1944891980997079356) 2025-07-14T22:49Z [--] followers, [--] engagements "Is it fair Not for me to decide. Here's what I can tell you: [--]. You need to be aware of this if you make $200k and are single or $250k and married. [--]. There are several strategies to legally avoid NIIT such as becoming active rather than passive with your RE investments" [X Link](https://x.com/JrdnMcFarland/status/1944891983886946562) 2025-07-14T22:49Z [--] followers, [--] engagements "2.5. as well as selling a property via installment sale (over time) rather than all at once avoiding jumping the previously mentioned threshold. [--]. If you do not own real estate strategies like tax-loss harvesting your stocks might be helpful. Matching your gains w/ losses" [X Link](https://x.com/JrdnMcFarland/status/1944891985111711954) 2025-07-14T22:49Z [--] followers, [--] engagements "@AdamB1438 Call in and ask Dave Ramsey if you should do 0% down real estate investment" [X Link](https://x.com/JrdnMcFarland/status/1944897840100090172) 2025-07-14T23:12Z [--] followers, [--] engagements "Over [----] Have a parent who is Give smarter. A Qualified Charitable Distribution (QCD) lets you donate directly from your IRA to charity up to $108k/year tax-free. ✔ Lowers your taxable income ✔ Counts toward your RMD ✔ Doesnt require itemizing QCDs can be a gamechanger" [X Link](https://x.com/JrdnMcFarland/status/1945194402852602055) 2025-07-15T18:51Z [--] followers, [--] engagements "Let's talk about gifting. The current amount is $13990000 per person. Set to go up next year. Unless you plan on being someone with over $15 M when you die you have nothing to worry about. (Double that if you're married.)" [X Link](https://x.com/JrdnMcFarland/status/1946224189851177150) 2025-07-18T15:03Z [--] followers, [--] engagements "Real estate on the other hand is much more slow growth for most. Traditional holdings like a rental earn profits by way of tenants paying rent building appreciation over time and eventual sale of building. Theres one huge benefit of real estate however" [X Link](https://x.com/JrdnMcFarland/status/1947023587317023053) 2025-07-20T19:59Z [--] followers, [--] engagements "Taxes. While Bitcoin can be invested in by way of ETFs in a tax-free account like a Roth IRA rental properties allow owners to: - Take deductions lowering present day taxable income - Depreciate property again lowering taxable income - Pass property to heirs tax free" [X Link](https://x.com/JrdnMcFarland/status/1947023589883965771) 2025-07-20T19:59Z [--] followers, [--] engagements "@thexcapitalist Ray Dalio was a great hedge fund founder but he comes out with a new doomsday policy on a quarterly basis since he got one right with 08" [X Link](https://x.com/JrdnMcFarland/status/1963010065042178292) 2025-09-02T22:44Z [--] followers, [---] engagements "@markcecchini Annoying add here but WHOOP has been pretty great. If youre like me and you like data to make decisions its pretty great" [X Link](https://x.com/JrdnMcFarland/status/2006912221729685881) 2026-01-02T02:15Z [--] followers, [---] engagements "I just made it through the third part of the EA but state taxes still feel like a totally different beast. We have a client going through similar issue but lower stakes than a liquidity event. Are you walking them through this process or is just literally create as many breadcrumbs as possible https://twitter.com/i/web/status/2013242038901158116 https://twitter.com/i/web/status/2013242038901158116" [X Link](https://x.com/JrdnMcFarland/status/2013242038901158116) 2026-01-19T13:28Z [--] followers, [---] engagements ""Hire your kid. It's an easy way to save on taxes and build their retirement." Most business owners have thought about this at some point but have no actual plan on how to go about doing this without getting zapped by the IRS. Here are [--] things you need to make sure of before ever hiring your son or daughter for your business. https://twitter.com/i/web/status/2013272174514082180 https://twitter.com/i/web/status/2013272174514082180" [X Link](https://x.com/JrdnMcFarland/status/2013272174514082180) 2026-01-19T15:27Z [--] followers, [--] engagements "Most business owners I work with cannot contribute to a Roth IRA because they're over the IRS's income limit. There's a simple way around this:" [X Link](https://x.com/JrdnMcFarland/status/2013668706446921760) 2026-01-20T17:43Z [--] followers, [--] engagements "For [----] the Roth IRA contribution limit is $7500 with an extra $1100 catch-up contribution for those [--] and older. But once income increases there is a "phase out" that's seen for single filers at $153000 and joint filers at $242000. So you think hey no big deal I'll just do what you mentioned above. But not so fast" [X Link](https://x.com/JrdnMcFarland/status/2013668711513649614) 2026-01-20T17:43Z [--] followers, [--] engagements "The "pro-rata rule" is a commonly missed red flag for anyone looking at this strategy. If you have any: - SEP IRAs - Traditional IRAs - SIMPLE IRAs In your name.the IRS wants you to include that when you make the conversion from your nondeductible IRA over to your Roth IRA" [X Link](https://x.com/JrdnMcFarland/status/2013668713132634358) 2026-01-20T17:43Z [--] followers, [--] engagements "It works like this. You see your different accounts when you open your portfolio but the IRS sees how much is "tax-deferred" and how much is "after tax."" [X Link](https://x.com/JrdnMcFarland/status/2013668715011645635) 2026-01-20T17:43Z [--] followers, [--] engagements "Using that breakdown if your "tax status" of your IRAs is 93% tax-deferred money only 7% of that conversion will be non-taxable. Crazy right All of that work for nothing. But there's one point that trips people up" [X Link](https://x.com/JrdnMcFarland/status/2013668716865614088) 2026-01-20T17:43Z [--] followers, [--] engagements "Its tough to balance quiet progress with signaling competence especially early on in careers. In my situation in particular when you ask someone to manage their life savings you get a nice little pat on the head and told thanks but no thanks but through the loud progress I guess we could call it people start to take you more seriously. https://twitter.com/i/web/status/2013974350278414433 https://twitter.com/i/web/status/2013974350278414433" [X Link](https://x.com/JrdnMcFarland/status/2013974350278414433) 2026-01-21T13:57Z [--] followers, [--] engagements "Financial planning is merely a proactive plan or a reactive response to life's challenges. Anytime I speak with divorced spouses I am reminded of this as 0% of couples get married to get divorced but 100% of them must plan for what comes after. While divorce is merely one "life challenge" anyone reading this can find their own that could potentially pop up. https://twitter.com/i/web/status/2014034958566723951 https://twitter.com/i/web/status/2014034958566723951" [X Link](https://x.com/JrdnMcFarland/status/2014034958566723951) 2026-01-21T17:58Z [--] followers, [--] engagements "Lets be honest they dont care. Im literally a financial advisor now and I couldnt have cared less about personal finance in middle school and most of high school. You can lead a horse to water but you cant make them drink. With the amount of info out there in todays world those who desire it will find it. https://twitter.com/i/web/status/2014389747083575659 https://twitter.com/i/web/status/2014389747083575659" [X Link](https://x.com/JrdnMcFarland/status/2014389747083575659) 2026-01-22T17:28Z [--] followers, [--] engagements "@Hanakookie1 @kinginvestings Buy his next property in cash and avoid the 6% interest rate. He just made an 800k return on his last house he'll be alright lol" [X Link](https://x.com/JrdnMcFarland/status/2014421313184547128) 2026-01-22T19:34Z [--] followers, [--] engagements "@DvdndDiplomats Ideally when you have less active (work) income on the way in so you can hold it in a variety of accounts like a brokerage account tax-deferred tax-free set up. So none of the above probably fit that" [X Link](https://x.com/JrdnMcFarland/status/2014421699165344177) 2026-01-22T19:35Z [--] followers, [--] engagements "@TripleNetTyler Made their money working in real estate or investing in real estate My guess is many of them both but there's a fine line of when it makes sense vs. when it leaves a high-earner cash-strapped" [X Link](https://x.com/JrdnMcFarland/status/2014422049985335745) 2026-01-22T19:36Z [--] followers, [---] engagements "If you make above a certain amount this year you cannot directly add to your Roth IRA. But theres a simple way around this" [X Link](https://x.com/JrdnMcFarland/status/2014684351619854544) 2026-01-23T12:59Z [--] followers, [---] engagements "Its really as simple as that. The bigger question is around why someone would do this and thats where we get into building a tax-efficient retirement" [X Link](https://x.com/JrdnMcFarland/status/2014684358657863926) 2026-01-23T12:59Z [--] followers, [--] engagements "Ideally you would have [--] buckets in retirement (or after you turn 60): [--]. Tax-deferred (your 401(k) Trad. IRA SEP IRA etc.) [--]. Tax-free (your Roth IRA Roth 401k etc) [--]. Taxable (brokerage accounts)" [X Link](https://x.com/JrdnMcFarland/status/2014684361191244113) 2026-01-23T12:59Z [--] followers, [--] engagements "@MrNQDC I agree just curious. I think the Backdoor possibility is huge but didnt know how you gauged using ETFs versus mutual funds essentially" [X Link](https://x.com/JrdnMcFarland/status/2014696208917209549) 2026-01-23T13:46Z [--] followers, [--] engagements "Really interesting breakdown. Tesla and BTC both have a sensitivity to VOO that's unleashed so mixing that level of risk with the way you've spent the other money I'm willing to bet you've got a healthy chunk of change socked away elsewhere because this was "given to you" in this scenario not what you already have. Thanks for sharing. https://twitter.com/i/web/status/2014711349104787457 https://twitter.com/i/web/status/2014711349104787457" [X Link](https://x.com/JrdnMcFarland/status/2014711349104787457) 2026-01-23T14:46Z [--] followers, [---] engagements "Hey someone in my 20s and 30s here. He's not wrong. You cannot destroy the housing market in favor of one designed outcome. This is pure foolishness. Ultimately the market (the buyer + seller) decides what the price is. It's been that way in America forever and now is not the time to change this. https://twitter.com/i/web/status/2014713370662891755 https://twitter.com/i/web/status/2014713370662891755" [X Link](https://x.com/JrdnMcFarland/status/2014713370662891755) 2026-01-23T14:54Z [--] followers, [--] engagements "@BoomerDivvies Probably not. Especially if you have a kid or are in a metropolitan area. Either is enough to basically put you at break even or in the red" [X Link](https://x.com/JrdnMcFarland/status/2014714169086365774) 2026-01-23T14:57Z [--] followers, [--] engagements "Let's face it it's hard to reduce taxes when you're in your peak earnings years. Between balancing the checking account for your family and tying cash away for retirement options can feel limited. Here are [--] simple ways that you still might be able to save on taxes (regardless of income): https://twitter.com/i/web/status/2014811601505788154 https://twitter.com/i/web/status/2014811601505788154" [X Link](https://x.com/JrdnMcFarland/status/2014811601505788154) 2026-01-23T21:24Z [--] followers, [---] engagements "What are some options for itemized deductions - Donations - Sales tax* - Property tax - City + state tax* - Mortgage interest - Medical + dental expenses above a threshold With these the goal is to come up with enough to find greater deductions than those of the standard deduction mentioned above. *Must choose one; cannot have both" [X Link](https://x.com/JrdnMcFarland/status/2014811610733519087) 2026-01-23T21:24Z [--] followers, [--] engagements "3) Using real estate to lower income tax Few people understand how to lower taxes with real estate (which is good because it's not for everyone) But there's an option within owning a rental property called "short-term rentals" that allow this. You must be materially participating in the property or have "real estate professional status" to not only make income from the property but also take deductions from it. https://twitter.com/i/web/status/2014811613220512099 https://twitter.com/i/web/status/2014811613220512099" [X Link](https://x.com/JrdnMcFarland/status/2014811613220512099) 2026-01-23T21:24Z [--] followers, [--] engagements "I will not do it justice in this thread so I encourage you to read my most recent newsletter to understand but the crux is this: By attaining active status with your rental property you can offset active income regardless of W2 or [----] status. You would do this through "depreciation" which is a common deduction that is accomplished through real estate that allows you to create "paper losses" which then factor into your income reduction" [X Link](https://x.com/JrdnMcFarland/status/2014811615149936694) 2026-01-23T21:24Z [--] followers, [--] engagements "4) Hiring children Only available for business owners. You can pay your children a legitimate wage for actual work up to the standard deduction. The result The business gets a deduction the child pays $0 in federal income tax and the money stays in the family. It effectively shifts income from your high bracket to their 0% bracket. https://twitter.com/i/web/status/2014811617196728631 https://twitter.com/i/web/status/2014811617196728631" [X Link](https://x.com/JrdnMcFarland/status/2014811617196728631) 2026-01-23T21:24Z [--] followers, [--] engagements "If this has been helpful for you follow me for more content just like this. You can find my newsletter with the link in my bio. (Sorry X punishes links in tweets)" [X Link](https://x.com/JrdnMcFarland/status/2014811622745784324) 2026-01-23T21:24Z [--] followers, [--] engagements "All content is purely for education and not for recommendation. Always speak with a financial or tax professional regarding your specific situation" [X Link](https://x.com/JrdnMcFarland/status/2014811624343834781) 2026-01-23T21:24Z [--] followers, [--] engagements "@polticsonly @DadInvest @JohnPhi7056453 Every taxpayer regardless of age/income would have seen an increase of 2-3% in taxes. One of the most overlooked parts of the bill was that it extended what President Trump did in [----] with lowering the percentages of the tax brackets in America" [X Link](https://x.com/JrdnMcFarland/status/2014813074067231045) 2026-01-23T21:30Z [--] followers, [--] engagements "@MeasureTwiceMNY Interesting. So your end goal is to teach clients how to operate on their own and then they go back to DIY after a year or so" [X Link](https://x.com/JrdnMcFarland/status/2015184207090270488) 2026-01-24T22:05Z [--] followers, [--] engagements "Ive worn a WHOOP for the past [--] months or so and would definitely so its help me confirm some previous issues as well as helps me stay in a really tight goal range for running. I dont think it needs to be an either or probably just an understanding that the body is first priority in who to listen to. https://twitter.com/i/web/status/2015184704173949351 https://twitter.com/i/web/status/2015184704173949351" [X Link](https://x.com/JrdnMcFarland/status/2015184704173949351) 2026-01-24T22:07Z [--] followers, [--] engagements "Let's begin with a basic comparison. Most are familiar with these two accounts through experience but few have a grasp on the specifics that make them different and therefore better for one business owner over another. I'll break each down next:" [X Link](https://x.com/JrdnMcFarland/status/2015489786002407661) 2026-01-25T18:19Z [--] followers, [--] engagements "- Catch up contributions are not a part of SEP IRAs which would allow someone [--] or older to contribute an extra $8k/yr. - SEP IRAs are known for their simplicity in setup whereas 401(k) s take a little more on the front end although technology has made this easier. - All SEP contributions are "final" but employers can use different vesting schedules with 401(k)'s to incentivize employees to stick around longer. + This can be 1-6 years and depends on whether the vest is a cliff vest (100% ownership after 2-3 years) or a graded vesting (ownership increases gradually over 3-6 years e.g. 20% per" [X Link](https://x.com/JrdnMcFarland/status/2015489798300160019) 2026-01-25T18:19Z [--] followers, [--] engagements "The 401(k) is easier for people to understand. The employee puts money in the employer puts money in (often times as a "match" based on contribution/salary) and then if there's any room left over the employee can contribute after-tax dollars in. With the SEP IRA because only the employer can contribute you must match what you do for yourself for employees. This is why it can get expensive fast" [X Link](https://x.com/JrdnMcFarland/status/2015489841358872979) 2026-01-25T18:19Z [--] followers, [--] engagements ""What you do for thee you must do for me" would be a good motto for a business owner with multiple employees using the SEP IRA. If you contribute the max for yourself you must do the same for them. Not to the same dollar figure as it's either a percentage of salary OR $72k (2026) whichever is LESSER. But you take gross W2 pay and multiply it by the percentage you've chosen for the year (up to 25%) and then find what you'll contribute for each employee. https://twitter.com/i/web/status/2015489856944902365 https://twitter.com/i/web/status/2015489856944902365" [X Link](https://x.com/JrdnMcFarland/status/2015489856944902365) 2026-01-25T18:20Z [--] followers, [--] engagements "Ultimately while a SEP IRA is easier to set up a 401(k) is almost always cheaper to scale once you have employees you don't want to fund at 25%. This is why you'll see more solo business owners using the SEP than businesses with multiple employees but even then I think there's a strong argument to be made for using the Solo 401(k) which works the exact same way as the 401(k). Let me show you one last detail and it's about getting Roth dollars into your retirement plan" [X Link](https://x.com/JrdnMcFarland/status/2015489869196431754) 2026-01-25T18:20Z [--] followers, [--] engagements "As I mentioned earlier SEP IRAs only have one "bucket" so by makeup alone they cannot do a Mega Backdoor Roth. A MBDR means money has already been taxed as ordinary income but you can convert it to Roth immediately so the growth is never taxed again. With SEP IRAs they now allow Roth contributions but that amount is actually included in gross income for the year it's made. .So basically same end result (Roth bucket filled) but different route with the 401(k) being more tax-friendly. https://twitter.com/i/web/status/2015489885529104476 https://twitter.com/i/web/status/2015489885529104476" [X Link](https://x.com/JrdnMcFarland/status/2015489885529104476) 2026-01-25T18:20Z [--] followers, [--] engagements "Retirement planning for business owners shouldn't be a guessing game. If you're trying to figure out which "bucket" makes the most sense for your tax situation this year shoot me a message with questions" [X Link](https://x.com/JrdnMcFarland/status/2015489898015572218) 2026-01-25T18:20Z [--] followers, [--] engagements "For illustration only. Consult with a qualified tax professional or financial advisor regarding your specific situation before implementing these strategies" [X Link](https://x.com/JrdnMcFarland/status/2015489910069944755) 2026-01-25T18:20Z [--] followers, [--] engagements "LIQUID Investments These are the accounts that you can go into and sell relatively quickly without any concessions on price. - Bank accounts - Brokerage accounts - Money market CDs etc. These are ideal for families who cannot or do not want to lock their money away for 5+ years" [X Link](https://x.com/JrdnMcFarland/status/2015808445375472095) 2026-01-26T15:25Z [--] followers, [--] engagements "ILLIQUID Investments These are the accounts that are the opposite. Harder to get access to either because you have to take a penalty to sell or you can only get a small portion out at a time. - Real estate - Retirement accounts - Private investments (private equity venture cap) These can be ideal for families looking to grow long-term wealth beyond their brokerage accounts. https://twitter.com/i/web/status/2015808447330087404 https://twitter.com/i/web/status/2015808447330087404" [X Link](https://x.com/JrdnMcFarland/status/2015808447330087404) 2026-01-26T15:26Z [--] followers, [--] engagements "So many high earners are shocked when real estate doesnt reduce their W-2 or business income. From a tax standpoint "passive doesnt mean what people think it means. Most people hear passive real estate and think hands-off income. The IRS means something very different. Passive is not about effort but the participation of your actual time and energy in the business or property. If you dont "materially participate" your losses live in a box. Can't use them. They can only offset other passive income when they pop up. Thats why so many high earners are shocked when depreciation doesnt reduce" [X Link](https://x.com/JrdnMcFarland/status/2015847246513000532) 2026-01-26T18:00Z [--] followers, [--] engagements "@BrianLaManna_ Several of the teens listed I assumed were younger. Stripe Datadog and a few others are huge players in the private markets right now but its crazy to see theyve already been around for a decade +" [X Link](https://x.com/JrdnMcFarland/status/2022846001111834839) 2026-02-15T01:30Z [---] followers, [----] engagements "@Seviay31 @RayDalio Honestly I think its a I already made my money so now Im just going to try to get invited onto tv shows and sell books lol" [X Link](https://x.com/JrdnMcFarland/status/2022846148021522754) 2026-02-15T01:31Z [---] followers, [----] engagements "This is a great post. I think most people think real estate is not working and getting paid passive income but the start is brutal as you mentioned. This is why it could be ideal for one spouse to focus on building a RE portfolio get the tax benefits while the other spouse stays employed. https://twitter.com/i/web/status/2023093943114534925 https://twitter.com/i/web/status/2023093943114534925" [X Link](https://x.com/JrdnMcFarland/status/2023093943114534925) 2026-02-15T17:55Z [---] followers, [--] engagements "@GenZMultifamily We need to talk about your Chipotle bowl bro. Youve got plenty more in the tank with this haul" [X Link](https://x.com/JrdnMcFarland/status/2022487881961623716) 2026-02-14T01:47Z [---] followers, [--] engagements "This is definitely something I had not come to a conclusion on. The tough part is there is no standard fee like you have with a CPA. Example you come in they spend [--] mins filing your return. They move on. Done. With wealth management I look at some our clients portfolios several times a week Im juggling tax/estate/personal decisions constantly and they can pick up a phone and call me. So I definitely get the argument but its so tough to know whats fair. Flat fee makes sense may make sense for ridiculously large accounts but I think itd be more on a case by case basis" [X Link](https://x.com/JrdnMcFarland/status/2022687870243258765) 2026-02-14T15:02Z [---] followers, [---] engagements "@RayDalio Ive never seen Ray Dalio say one positive thing about the market or the economy and he owns one of the largest hedge funds in the world. Theres something to be said for that" [X Link](https://x.com/JrdnMcFarland/status/2022802372339159454) 2026-02-14T22:37Z [---] followers, 228.6K engagements "@jnissikim @RayDalio Noah built the ark on a righteous mission for God and led to humanitys saving. Ray is essentially sowing discord by telling people a market crash is coming for [--] decades while keeping a close relationship with China in the process. So yeah theyre not all that similar" [X Link](https://x.com/JrdnMcFarland/status/2022854654753734868) 2026-02-15T02:05Z [---] followers, [---] engagements "@TheGeodexes @RayDalio Im not sure I understand. Ray has been both negative and wrong. See Bridgewaters returns to literally any other quality hedge fund and it will tell a story" [X Link](https://x.com/JrdnMcFarland/status/2022868456064860238) 2026-02-15T02:59Z [---] followers, [----] engagements "@wwmiloww @RayDalio Who tends to make more" [X Link](https://x.com/JrdnMcFarland/status/2023045272792887398) 2026-02-15T14:42Z [---] followers, [----] engagements "@MichaelAArouet For those of you who have family wealth read a couple of books written by Dr. Richard Orlando. Discusses the shirt sleeves to shirt sleeves issue with these families" [X Link](https://x.com/JrdnMcFarland/status/2023049368983556110) 2026-02-15T14:58Z [---] followers, [---] engagements "Einstein was correct when he said compound interest was the 8th wonder of the world. But at times we forget it's the gap between what you earn and what you spend that matters the most at first. Compounding on small numbers takes a LONG time to start seeing any growth. Think back to how hard it was to get to your first $100k invested and you'll have a great reason for why" [X Link](https://x.com/anyuser/status/2023139258136187309) 2026-02-15T20:56Z [---] followers, [--] engagements "When someone pays me for what I specialize in it's not about showing them how smart I am or running a few retirement calculations for them. It's about someone who knows how their partner will react to taking risk understanding who's impacted by investment decisions and going beyond what's obvious to what's personal" [X Link](https://x.com/JrdnMcFarland/status/2014037333356535943) 2026-01-21T18:08Z [--] followers, [---] engagements "We're reaching a day where information is only going to multiply and even the smartest people will need less of their brain power geared towards memory and more towards application. Next time you sit down with your financial planner make sure what you want is what you're getting. If you're going to pay someone to make your life better find ways to cleary communicate and track what that looks like. https://twitter.com/i/web/status/2014037335118078403 https://twitter.com/i/web/status/2014037335118078403" [X Link](https://x.com/JrdnMcFarland/status/2014037335118078403) 2026-01-21T18:08Z [--] followers, [--] engagements "@TKopelman @WeAreWealth We just signed up for Vanilla without even giving Wealth a try. I'm assuming this is going to have some integration with the estate side as well" [X Link](https://x.com/JrdnMcFarland/status/2016359760849760375) 2026-01-28T03:56Z [--] followers, [---] engagements "@middle_class_us Meh I think this is definitely painting with a wide brush here. We'll never have the data but those who would "enjoy" working over [--] hours a week are probably tough to find these days.or ever frankly" [X Link](https://x.com/JrdnMcFarland/status/2016360468219154911) 2026-01-28T03:59Z [--] followers, [--] engagements "@Dividend_Dollar Past a certain age income is not your problem. Before a certain age income is your problem" [X Link](https://x.com/JrdnMcFarland/status/2016360923405947146) 2026-01-28T04:01Z [--] followers, [--] engagements "What type of business IMO scalability depends a lot on whether your current clients are only with you because of your firm. With financial planning a lot of times clients couldn't tell you a thing about the firm but everything about their advisor so scaling is a little more predictable just as an example. https://twitter.com/i/web/status/2016545861522641407 https://twitter.com/i/web/status/2016545861522641407" [X Link](https://x.com/JrdnMcFarland/status/2016545861522641407) 2026-01-28T16:16Z [--] followers, [--] engagements "@CGInvesting10 So then what's the thought if you miss on a handful you hope the larger majority of holdings makes up for those losses" [X Link](https://x.com/JrdnMcFarland/status/2016699745385750699) 2026-01-29T02:27Z [--] followers, [--] engagements "@theficouple So then what's the next best option Hope DeSantis can get a bill passed or just deal with it as is I assume most Floridians don't see the value in moving to lower property state tax areas" [X Link](https://x.com/JrdnMcFarland/status/2016700487156879657) 2026-01-29T02:30Z [--] followers, [---] engagements "@money_cruncher Most clients I work with fear adding too much to a [---]. The 35k rollover to a Roth IRA was a huge add but if someone has multiple kids the easiest appraoch is just changing beneficaries if the first doesn't use it" [X Link](https://x.com/JrdnMcFarland/status/2016701477889204405) 2026-01-29T02:34Z [--] followers, [---] engagements "@nathanielsford This is awesome man. Well deserved" [X Link](https://x.com/JrdnMcFarland/status/2016705491561251143) 2026-01-29T02:50Z [--] followers, [--] engagements "Interest rates put forth by the Fed are one ingredient in the bowl. What comes out of the oven is from the mixture of ingredients: - 10-year Treasury (US bonds) - Overall inflation and economic numbers - Housing market sentiment (how people feel) .and so forth. Don't ask questions it's confusing okay Lol. https://twitter.com/i/web/status/2016906061882548614 https://twitter.com/i/web/status/2016906061882548614" [X Link](https://x.com/JrdnMcFarland/status/2016906061882548614) 2026-01-29T16:07Z [--] followers, [---] engagements "The S&P literally updates itself to track the [---] best companies in America (because it's an index). That's something most investors simply do not understand. While combining the 500th best co. in America with the 1st will certainly water down returns if someone were willing to tell you the [---] "best" of anything you'd be willing to put money down" [X Link](https://x.com/JrdnMcFarland/status/2016978002286936093) 2026-01-29T20:53Z [--] followers, [---] engagements "@stijnnoorman Wait Harvard doesnt sell education" [X Link](https://x.com/JrdnMcFarland/status/2017040739104866391) 2026-01-30T01:02Z [--] followers, [--] engagements "@BoringBiz_ Dude come on. The President of the United States isnt saying that thats just been how building wealth has worked since the beginning of time" [X Link](https://x.com/JrdnMcFarland/status/2017042522938249592) 2026-01-30T01:09Z [--] followers, [----] engagements "@MatrixMysteries 99% of scams are not scams.but health insurance is definitely twinning with what a scam looks like. The same service for two remarkably different prices is certainly a red flag" [X Link](https://x.com/JrdnMcFarland/status/2017297962557133250) 2026-01-30T18:04Z [--] followers, [---] engagements "@darren_unruh I think the introduction of private investments in 401(k)'s in the near future will be a real turning point for the alt's space good or bad. Everything he said is true however the concentration and correlation cannot be ignored forever" [X Link](https://x.com/JrdnMcFarland/status/2017338712925810993) 2026-01-30T20:46Z [--] followers, [--] engagements "A short list of misunderstandings around taxes I've collected from entrepreneurs over the past year that cost them in the long run:" [X Link](https://x.com/JrdnMcFarland/status/2017387373290787309) 2026-01-31T00:00Z [--] followers, [--] engagements ""My accountant handles that." No he doesn't. He's overworked and more worried about how he can get paid fairly than proactively planning for the book of clients he has which is already too many" [X Link](https://x.com/JrdnMcFarland/status/2017387385294885025) 2026-01-31T00:00Z [--] followers, [--] engagements ""My LLC helps me save on taxes." It doesn't. A limited liability company is for.limited liability. It's to separate business from personal so if one goes sideways it doesn't take the other with it. Even if you have an LLC you need to "tell" the IRS how you want to be taxed: - Sole proprietor (what they assume) - S Corp - C Corp - Partnership https://twitter.com/i/web/status/2017387397378674754 https://twitter.com/i/web/status/2017387397378674754" [X Link](https://x.com/JrdnMcFarland/status/2017387397378674754) 2026-01-31T00:00Z [--] followers, [--] engagements "@nathanielsford @notanotherquant I agree. I don't think people understand that Bitcoin is essentially what boomers think gold is for the most part. Separated from the government has a value different than the public stock market and has shown potential for remarkable growth quickly" [X Link](https://x.com/JrdnMcFarland/status/2017627469759594781) 2026-01-31T15:54Z [--] followers, [--] engagements ""Spend less than you make save 15% of your income and invest in the S&P regularly." When are we going to learn that this regurgitated overused advice will only get people so far" [X Link](https://x.com/JrdnMcFarland/status/2017704459309297914) 2026-01-31T21:00Z [--] followers, [--] engagements "Look I get it. Homebuying is almost as emotional as it is logistical. - Your wife gets pregnant and you want a place to lay down roots. - You're tired of "building someone else's equity" and you want your own. - Friends/family all own houses and you want a place to call your own too. But letting emotions drive financial decisions can end up costing you in the long run" [X Link](https://x.com/JrdnMcFarland/status/2017957394865856889) 2026-02-01T13:45Z [--] followers, [--] engagements "I'm not saying you cannot weigh the pro's and the con's and decide what's right for you as all financial planning is simply a matter of going with what makes sense in the moment. But jumping the gun might be something you regret later" [X Link](https://x.com/JrdnMcFarland/status/2017957406719025468) 2026-02-01T13:45Z [--] followers, [--] engagements "@KurtSupeCPA Hes talking about the AFR rate. Its a fraction of what current interest rates are decided by the government. Essentially they dont want rich families letting their kids avoid paying the credit card companies interest for having the bank of mom and dad instead of Capital One" [X Link](https://x.com/JrdnMcFarland/status/2017986956819325213) 2026-02-01T15:42Z [---] followers, [----] engagements "@SJosephBurns Everyone is going to say SpaceX so the second choice would be either Anthropic or OpenAI" [X Link](https://x.com/JrdnMcFarland/status/2017990087225512392) 2026-02-01T15:55Z [--] followers, [--] engagements ""I just cannot sell my house. I don't know where I'd move to." Direct quote from a client in their late 60s who's owned their home for 25+ years. While some homeowners get priced out by property taxes and other costs of keeping the house many long-time owners have been "stuck" in their homes because of interest rates and the market. Here's one quick thought on how a simple legislation change could impact this:" [X Link](https://x.com/JrdnMcFarland/status/2018085710243532833) 2026-02-01T22:15Z [--] followers, [---] engagements "Right now a homebuyer can sell their house and receive $250k in profits tax-free before being taxed the capital gains rate on their profit. Double this if you have a spouse. For instance you and your spouse have lived in your home for [--] out of the last [--] years (the requirement) and decide to sell it. You bought it [--] years ago for $400k and it's doubled since. All $400k would come to you tax free in this scenario. The problem is.this number is not HIGH enough to get the people like the one mentioned in my scenario out of their house. https://twitter.com/i/web/status/2018085722360783238" [X Link](https://x.com/JrdnMcFarland/status/2018085722360783238) 2026-02-01T22:15Z [--] followers, [--] engagements "What is $250/500k tax-free when you're looking at: - An additional $1 M in taxable gains - Having to decide if you're going to buy in cash next - If not having to put money down on a property at double the interest rate Because of this if the gov't would increase that $250k to more like $500k or even a million to get the market stimulated now we'd be talking. https://twitter.com/i/web/status/2018085734247526892 https://twitter.com/i/web/status/2018085734247526892" [X Link](https://x.com/JrdnMcFarland/status/2018085734247526892) 2026-02-01T22:15Z [--] followers, [--] engagements "@markcecchini I've come across like [--] equity comp situations in the past year and they're all RSUs. Is this mainly in your start up clients" [X Link](https://x.com/JrdnMcFarland/status/2018346050080108954) 2026-02-02T15:29Z [--] followers, [--] engagements "@MrNQDC We have several clients at construction companies and other blue collar's that do this. Seems a lot "safer" if that's a thing at boring companies than exciting ones" [X Link](https://x.com/JrdnMcFarland/status/2018346356100759818) 2026-02-02T15:30Z [--] followers, [--] engagements "That's a great way to gauge it. Unfortunately with public companies dwindling it's getting harder and harder. The construction firm I mentioned has thousands of employees but will never go public. You would think with an important decision they'd share more of the company's financials but even that sounds like it's been tough to get ahold of" [X Link](https://x.com/JrdnMcFarland/status/2018368792783647173) 2026-02-02T16:59Z [--] followers, [--] engagements "Most business owners wait until April to figure out their CPA isn't going to plan their taxes they're simply there to file them. Here are [--] things you need to understand about your taxes as a business owner:" [X Link](https://x.com/JrdnMcFarland/status/2018368873058418871) 2026-02-02T17:00Z [--] followers, [--] engagements "1. You owe the IRS 4x year through "estimated payments". How do you know if you'll owe them - You expect to owe at least $1k in tax after subtracting your withholding and credits - Your withholding and credits will cover less than 90% of the tax for the current year - Your withholding and credits will cover less than 100% of the prior year or 110% if you make above $150k. So put differently: If you're not making too much income yet. https://twitter.com/i/web/status/2018368885016391995 https://twitter.com/i/web/status/2018368885016391995" [X Link](https://x.com/JrdnMcFarland/status/2018368885016391995) 2026-02-02T17:00Z [--] followers, [--] engagements "2. If you miss the mark with estimated payments you're going to owe penalties with potential for interest owed. You'll want to shoot for Safe Harbor. Safe harbor essentially keeps you out of the penalty box with the IRS. All you have to do is meet the 90% or 100/110% figures I mentioned last tweet. https://twitter.com/i/web/status/2018368897398005787 https://twitter.com/i/web/status/2018368897398005787" [X Link](https://x.com/JrdnMcFarland/status/2018368897398005787) 2026-02-02T17:00Z [--] followers, [--] engagements "I'm in the middle (which is annoying yes) but if it's anywhere even close to the "gray area" of 4-5% interest and above it's all about the person. Below 4% I really think the person needs a good reason to pay down debt rather than invest. I think many of us are learning the lesson as we speak by putting too much cash in houses. Above this I'm more open-minded simply because of market averages. https://twitter.com/i/web/status/2018370054383972703 https://twitter.com/i/web/status/2018370054383972703" [X Link](https://x.com/JrdnMcFarland/status/2018370054383972703) 2026-02-02T17:04Z [--] followers, [--] engagements "@MrNQDC For sure. In Texas a lot of people don't move until they get a property tax bill that's basically a mini-mortgage and they want to move to a condo in retirement. It'll be interesting to see with the new Fed chair but I don't think we see [--] or COVID rates for a long time" [X Link](https://x.com/JrdnMcFarland/status/2018370330906034466) 2026-02-02T17:06Z [--] followers, [--] engagements "@themoviedadsc HODL is a very real thing and it's non-financial" [X Link](https://x.com/JrdnMcFarland/status/2018370686226461154) 2026-02-02T17:07Z [--] followers, [--] engagements "I agree but sometimes it takes breaking this to build significant amounts of wealth. - Skipping retirement contributions to start a business - Taking on debt to buy inventory scale etc. - Delaying buying a house for the same reasons There's no doubt there is the low and slow way but it seems like more and more millennials are saying this is not working anymore so it's worth pointing out. https://twitter.com/i/web/status/2018372167680024816 https://twitter.com/i/web/status/2018372167680024816" [X Link](https://x.com/JrdnMcFarland/status/2018372167680024816) 2026-02-02T17:13Z [--] followers, [--] engagements "@CPAPlanner Pretty common for sure. This on top of institutions like Fidelity charging [--] bps annually is something worth understanding" [X Link](https://x.com/JrdnMcFarland/status/2018448387289301192) 2026-02-02T22:16Z [--] followers, [---] engagements "@TomHughesx Think I'm going to reply to this thread 100x to get my numbers up" [X Link](https://x.com/JrdnMcFarland/status/2018449080037658789) 2026-02-02T22:18Z [--] followers, [--] engagements "@GenZMultifamily If you bought the houses in the past few years no way. If you've had the houses for some time maybe. What's "rich" though" [X Link](https://x.com/JrdnMcFarland/status/2018520477153837490) 2026-02-03T03:02Z [--] followers, [---] engagements "@GenZMultifamily Dang man that's awesome. Commercial/multi-family is one space I haven't quite bumped into much. I've heard more private investments like priv credit/equity VC and even hedge funds but RE seems like it's in a world of it's own sometimes" [X Link](https://x.com/JrdnMcFarland/status/2018523325295624441) 2026-02-03T03:13Z [--] followers, [--] engagements "Jesus Christ for sure. Also if you want to make your life more practically enjoyable sleep better exercise and get sunlight. If you struggle with alcohol cut it off entirely. Anything else even sugar don't quit cold turkey. Life is about more than going from regular guy Joe to GI Joe overnight. Start with one and move on slowly. https://twitter.com/i/web/status/2018797925074161931 https://twitter.com/i/web/status/2018797925074161931" [X Link](https://x.com/JrdnMcFarland/status/2018797925074161931) 2026-02-03T21:25Z [--] followers, [---] engagements "I passed the CFP exam [--] years ago. I passed the EA exams last year. Here are the three most overwhelming truths about financial planning and tax planning in today's world: [--]. Legal avoidance of taxes is maybe the no. [--] driver of why clients work with me. People like avoiding taxes more than they like creating gains. [--]. Sound financial planning is not a home run decision it's a bunch of forgettable singles over and over again for decades. [--]. If you don't understand how taxes interact with building a financial plan you're fighting a losing battle. It'd be like a personal trainer not" [X Link](https://x.com/JrdnMcFarland/status/2018825588476465307) 2026-02-03T23:15Z [--] followers, [--] engagements "@JoeBentley168 I've always thought investment bankers turned advisors who then work with investment bankers was a slam dunk. Serious work ethic. High income. Too busy to do it on their own. Don't flinch at premium fees. Understand that return only comes with accompanying risk" [X Link](https://x.com/JrdnMcFarland/status/2018896555294732434) 2026-02-04T03:57Z [--] followers, [--] engagements "@BoringBiz_ Lol honestly it makes no sense for a Dr. to come to this conclusion. If Bessent wants to sure it's his job but forget the national debt man - what about their freakin health" [X Link](https://x.com/JrdnMcFarland/status/2019123290191822886) 2026-02-04T18:58Z [--] followers, [---] engagements "Most business owners are going to get clobbered by taxes when they sell their business someday which is why it's important to understand what you can do today to help this: Direct indexing. Let me show you how a tax strategy using the regular S&P [---] can save you tons on taxes down the road" [X Link](https://x.com/JrdnMcFarland/status/2019157779337081091) 2026-02-04T21:15Z [--] followers, [--] engagements "Most people "own" the S&P [---] by owning an ETF or mutual fund that tracks it. Direct indexing essentially "unboxes" the ETF and owns the stocks one by one" [X Link](https://x.com/JrdnMcFarland/status/2019157796223349073) 2026-02-04T21:15Z [--] followers, [--] engagements "Why would someone want to do this Isn't owning single stocks more risky than owning the index In this case you're still tracking the exact same companies with the exact same weighting. The goal here is to minimize future taxes that come from capital gains. Like selling a business or company stock in large amounts. https://twitter.com/i/web/status/2019157808579838384 https://twitter.com/i/web/status/2019157808579838384" [X Link](https://x.com/JrdnMcFarland/status/2019157808579838384) 2026-02-04T21:15Z [--] followers, [--] engagements "As a refresher capital gains are owed any time you make a sale of an asset like a stock a home or even your own business. They're taxed more favorably than ordinary income like that of a W2 salary or business income at [--] [--] and 20%. (Almost nobody I work with receives them at 0%. Mostly for retirees with low incomes who have not started Social Security yet.) https://twitter.com/i/web/status/2019157820449649041 https://twitter.com/i/web/status/2019157820449649041" [X Link](https://x.com/JrdnMcFarland/status/2019157820449649041) 2026-02-04T21:15Z [--] followers, [--] engagements "There's another rule with capital gains: If you have equal winners and losers they can net each other out. This is commonly referred to as "tax loss harvesting" and may look like this. Stock A = Sold for a $25k gain Stock B C and D = Sold for a $25k loss In this instance there would be [--] tax owed. https://twitter.com/i/web/status/2019157832197894521 https://twitter.com/i/web/status/2019157832197894521" [X Link](https://x.com/JrdnMcFarland/status/2019157832197894521) 2026-02-04T21:15Z [--] followers, [--] engagements "And while this can be all direct indexing does for you in keeping your tax bill manageable over time with your brokerage account I want to dive deeper into the sale of a business" [X Link](https://x.com/JrdnMcFarland/status/2019157843912593874) 2026-02-04T21:15Z [--] followers, [--] engagements "Let's take Tesla as an example. This stock was up 11% in [----] but it had a crazy year. Tariffs politics and more cause the stock to run rampant. All of the negative periods you see on screen represent opportunities for direct index managers to put these losses into a bank" [X Link](https://x.com/JrdnMcFarland/status/2019157905971535964) 2026-02-04T21:15Z [--] followers, [--] engagements "You still with me The end goal is to soak up as much "lemonade" from the "lemons" as possible. Direct indexing seeks to capture market volatility and put these losses in a "bank of losses" which is how you could think about it. The visual I showed you earlier" [X Link](https://x.com/JrdnMcFarland/status/2019157918235652185) 2026-02-04T21:15Z [--] followers, [--] engagements "So now let's lay it all out: - I've got an electric company I'm looking to sell and net $5 mil in gains - I'm going to assume it's an all "stock sale" which means it'll be taxed as a capital gain not ordinary income - I've been storing up my "bank of losses" for several years and have $400k to reduce my tax bill by Let's see what it looks like. https://twitter.com/i/web/status/2019157930042638542 https://twitter.com/i/web/status/2019157930042638542" [X Link](https://x.com/JrdnMcFarland/status/2019157930042638542) 2026-02-04T21:15Z [--] followers, [--] engagements ""I've maxed out my 401(k). Now what" Where you turn after maxing out your business's retirement plan is based around [--] things: [--]. When do you need the money back [--]. What return do you want from the investment [--]. Do you have any large expenses coming up in the near future Let me break them down one by one" [X Link](https://x.com/JrdnMcFarland/status/2019418275348902009) 2026-02-05T14:30Z [--] followers, [--] engagements "1. When do you need the money back This is all about "liquidity" as we call it. If you'll need the cash back within 12-24 months you'll need a "more liquid" investment such as: - Bonds - Money Market - CDs (but I hate CDs) If you have more time on your hands: - Stocks - Real Estate - Alternative Investments https://twitter.com/i/web/status/2019418287256531131 https://twitter.com/i/web/status/2019418287256531131" [X Link](https://x.com/JrdnMcFarland/status/2019418287256531131) 2026-02-05T14:30Z [--] followers, [--] engagements "Many business owners leave $900k in a checking account. Don't be that person. Even if it's making a move to earn 4% interest that's still adding to cash flow in a net positive way" [X Link](https://x.com/JrdnMcFarland/status/2019418298950250546) 2026-02-05T14:30Z [---] followers, [--] engagements "2. What return do you want "A positive one." Yes we all do. But once you've decided on your timeline now you can choose your ideal risk. Lower risk - Bonds - Money Market - CDs (but I hate CDs) Higher risk: - Stocks - Real Estate - Alternative Investments Yes that's the same lineup as above which is designed to show you. https://twitter.com/i/web/status/2019418310752997751 https://twitter.com/i/web/status/2019418310752997751" [X Link](https://x.com/JrdnMcFarland/status/2019418310752997751) 2026-02-05T14:30Z [---] followers, [--] engagements "@rezoundous Can someone explain vibe coding to me like I'm 12" [X Link](https://x.com/JrdnMcFarland/status/2019487753340092590) 2026-02-05T19:06Z [--] followers, [--] engagements "@cryptofergani Every generation has their list. It's the ones that persist regardless who makes it through" [X Link](https://x.com/JrdnMcFarland/status/2019489365504733277) 2026-02-05T19:12Z [--] followers, [----] engagements "Most successful business owners are on the fast track to getting hammered with tax bills of hundreds of thousands of dollars by the IRS. When an owner sells their business theyre open to capital gains tax. This means youll be taxed at either 15% or 20% on all capital gains made from your business not including the ordinary income that youll be taxed on. Because of this its crucial to start planning early on. - Building up paper losses - Investing in accounts that leave strategies available - Getting serious valuations done on an annual basis from a third party Michael Jordan started his NBA" [X Link](https://x.com/JrdnMcFarland/status/2019529968833749042) 2026-02-05T21:54Z [--] followers, [--] engagements "Check out my thread on "direct indexing" I shared yesterday or two days ago. It basically comes down to this: with non-retirement accounts like a brokerage account one could build up paper losses over the course of years to fill up a bank of capital losses to help offset the capital gains from a business sale in the future. https://twitter.com/i/web/status/2019536478456672653 https://twitter.com/i/web/status/2019536478456672653" [X Link](https://x.com/JrdnMcFarland/status/2019536478456672653) 2026-02-05T22:19Z [--] followers, [--] engagements "We were at war with Nazi Germany in [----]. Our president was assassinated shortly after avoiding nuclear war with the Soviet Union only to be followed up with tens of thousands of college age men dying in Vietnam. Those are two random examples from [---] years of history. And now with no men on the ground in foreign nations the stock market near all time highs interest rates below 5%our future has never been more grim Oh pal there are podcasts for this. https://twitter.com/i/web/status/2019592998116311234 https://twitter.com/i/web/status/2019592998116311234" [X Link](https://x.com/JrdnMcFarland/status/2019592998116311234) 2026-02-06T02:04Z [---] followers, [---] engagements "@FluentInFinance Its been a few days. Lets give it some more time. Remember weve been flirting with all time highs under both Biden and Trump. This is almost a non-event at this point" [X Link](https://x.com/JrdnMcFarland/status/2019593235807838397) 2026-02-06T02:05Z [--] followers, [----] engagements "@jonbrooks Sentiment for the housing market is almost like the hidden hand of the mortgage rate. Good point" [X Link](https://x.com/JrdnMcFarland/status/2019595746304200715) 2026-02-06T02:15Z [---] followers, [---] engagements "@aryanlabde I think both are important but it depends on what you're selling. I'm in financial planning for people with millions of dollars so if I try to prospect them the same way a SaaS guy does I'm going to be barking up the wrong tree" [X Link](https://x.com/JrdnMcFarland/status/2019810988418298083) 2026-02-06T16:30Z [--] followers, [--] engagements "@BeardyBrandon Love it. You're going to get so many headwinds to this post but those who know will get you man" [X Link](https://x.com/JrdnMcFarland/status/2019811177933767024) 2026-02-06T16:31Z [--] followers, [----] engagements "@MrNQDC @JonLuskin Maybe. In this case though money is just going to flow wherever the tax avoidance allows however. For example nobody would ever do something like a qualified opportunity zone if it weren't for the tax benefit. The incentive to not pay tax really does shift so much" [X Link](https://x.com/JrdnMcFarland/status/2019817718380433480) 2026-02-06T16:57Z [--] followers, [--] engagements "Real estate and rental owners take huge advantage of deductions from their physical properties to lower their tax bill but for most that's where the understanding stops. Let me share two visuals that walk you through "depreciation" and why it can be so powerful for the right person:" [X Link](https://x.com/JrdnMcFarland/status/2019834789222621475) 2026-02-06T18:05Z [--] followers, [--] engagements "Depreciation is all about taking "paper losses" from your rental without feeling the impact the same way you would by selling a stock or bond at a loss. The IRS acknowledges that buildings (not land) get worse over time and therefore allow you to take depreciation on them" [X Link](https://x.com/JrdnMcFarland/status/2019834796734640163) 2026-02-06T18:05Z [--] followers, [--] engagements "It's not as simple as you get to choose how much you think the property has gone down by. There are fixed schedules and amounts you will be able to reduce on an annual basis dependent on: - Type of property - How much you paid for it - What form of depreciation you're taking" [X Link](https://x.com/JrdnMcFarland/status/2019834799666417701) 2026-02-06T18:05Z [--] followers, [--] engagements "In this visual I share an example. As you'll notice the land value must be taken out before finding your "depreciable basis" but at times you can add renovations made to the property" [X Link](https://x.com/JrdnMcFarland/status/2019834805970415917) 2026-02-06T18:05Z [--] followers, [--] engagements "Oh great question. I love the most boring ones because they can be repeated over time: - retirement accounts - health savings accounts But for business owners I like to make sure systems are there: - entity election that aligns with revenue - all expenses are accounted for and are timed right - qualified business income deduction is maximized There are so many great options once revenue is flowing" [X Link](https://x.com/JrdnMcFarland/status/2020181457231102454) 2026-02-07T17:02Z [---] followers, [--] engagements "45 year old business owner was referred in last week. Just sold his business. Owes $900k in taxes this April. Hurts. There are many things a business owner can do to eliminate a portion of their taxes owed to the IRS but it's all about getting ahead. You must plan for your sale years before you even receive an offer to make the most out of your sale proceeds. Don't believe me Ask any of your entrepreneurial friends. Everyone who has sold has at least one thing they would've changed. It's often around taxes" [X Link](https://x.com/JrdnMcFarland/status/2020256600951271676) 2026-02-07T22:01Z [---] followers, [---] engagements "Great question. Harvesting capital losses is a solid play in the right scenario but its often just the tip of the iceberg. If you really want to move the needle on the tax hit from a business sale you have to look at heavier hitters like strategic real estate plays gifting techniques and specialized trust structures. I'll continue to post more on these. https://twitter.com/i/web/status/2020310533547638817 https://twitter.com/i/web/status/2020310533547638817" [X Link](https://x.com/JrdnMcFarland/status/2020310533547638817) 2026-02-08T01:35Z [---] followers, [--] engagements "I thought the same thing. People forget businesses are "for profit" not there to make them happy. They provide us with a good or a service. We want their goods or services so much that we're willing to part with our money for it. Past a certain level we no longer see the value. Their goal is to find where this level is and push it over time through consistency and value. https://twitter.com/i/web/status/2020533312482058396 https://twitter.com/i/web/status/2020533312482058396" [X Link](https://x.com/JrdnMcFarland/status/2020533312482058396) 2026-02-08T16:20Z [---] followers, [--] engagements "@rohanpaul_ai Just wait until St. Joe County residents see their utility bills creep over time. Supply and demand is undefeated" [X Link](https://x.com/JrdnMcFarland/status/2020533842163957823) 2026-02-08T16:23Z [---] followers, [--] engagements "What's the worst tax advice you've ever been given" [X Link](https://x.com/JrdnMcFarland/status/2020847231222309188) 2026-02-09T13:08Z [---] followers, [----] engagements "This is a true and advanced one. Wealthy people hate taxes and still pay way more than they need to simply because they believe they'll always be in that higher tax bracket. It really is about future tax brackets but when your average tax rate is 25% above (average not highest) you need to do some serious thinking" [X Link](https://x.com/JrdnMcFarland/status/2020900847853429164) 2026-02-09T16:41Z [---] followers, [---] engagements "Owning a business with your spouse can be great but there are a few tax disadvantages that come along with it. When you earn a profit as a business owner you have self-employment or "payroll tax" regardless of whether you lower that profit through retirement contributions etc. Because of this your profits are taxed at 15.3% per spouse. And that's a big distinction to make. Let's run through it" [X Link](https://x.com/JrdnMcFarland/status/2020907244452241692) 2026-02-09T17:06Z [---] followers, [---] engagements "@BoringBiz_ Good take. "Out of sight out of mind." Not to mention much of learning is through osmosis. Being around the best naturally teaches you without having to ever sit down for a Zoom call" [X Link](https://x.com/JrdnMcFarland/status/2020939825868878050) 2026-02-09T19:16Z [---] followers, [----] engagements "Not true at all. His advice still works for most people in America just not when finances get complex. Does he still insist on mutual funds instead of ETFs Sure but thats a small bit. Either outpace inflation. His core message of eliminate debt learn to spend and invest regularly plays for most Americans. Calling it financial malpractice is just flat out wrong" [X Link](https://x.com/JrdnMcFarland/status/2021049683032842588) 2026-02-10T02:32Z [---] followers, 15.1K engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@JrdnMcFarland Jordan McFarland, CFP®
Jordan McFarland, CFP® posts on X about business, money, if you, retirement the most. They currently have [---] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [-------] +1,261%
- [--] Month [-------] +211,553%
- [--] Months [-------] +123,781%
- [--] Year [-------] +717%
Mentions: [--] #
- [--] Month [--] +5,600%
- [--] Months [--] +321%
- [--] Year [--] +59%
Followers: [---] #
- [--] Week [---] +53%
- [--] Month [---] +314%
- [--] Months [---] +273%
- [--] Year [---] +292%
CreatorRank: [-------] #
Social Influence
Social category influence countries finance stocks technology brands cryptocurrencies social networks automotive brands
Social topic influence business, money, if you, retirement, investment #2217, in the #2994, future, stocks, this is, capital gains
Top accounts mentioned or mentioned by @mrnqdc @raydalio @tkopelman @genzmultifamily @moneycruncher @boringbiz @themoviedadsc @receptivedesign @mikecjunior @markcecchini @seviay31 @jnissikim @thegeodexes @wwmiloww @nathanielsford @upholdreality @txcardboyz @proeraassoc @spxsatoshi @mariosewnice
Top assets mentioned Bitcoin (BTC) Tesla, Inc. (TSLA) BlackRock Inc (BLK) Regret (REGRET)
Top Social Posts
Top posts by engagements in the last [--] hours
"@douglaskarr @ChipotleTweets @exjon How did you drop $20 on chipotle Youve gotta be doubling up on everything with chips"
X Link 2023-12-11T20:44Z [--] followers, [--] engagements
"Allowing investments to compound is much more important than finding the perfect investment for someone with under 100k to invest"
X Link 2023-12-30T21:32Z [--] followers, [--] engagements
"Bitcoin ETF hit this week. Big deal more so that someone like Larry Fink knighted this as an investment but will be interesting to see where this lands in the next ten years"
X Link 2024-01-13T02:00Z [--] followers, [--] engagements
"Larry Fink CEO of BlackRock gave his annual letter this week to investors. Here are [--] things to take away regardless of what you think of him"
X Link 2024-03-27T17:26Z [--] followers, [--] engagements
"2. We have done a better job at making life last longer but not at making our investments and retirement accounts last longer"
X Link 2024-03-27T17:26Z [--] followers, [--] engagements
"3. He advises rethinking retirement age encouraging longer workforce participation simplifying retirement investing and providing retirement income solutions that offer financial certainty for retirees"
X Link 2024-03-27T17:26Z [--] followers, [--] engagements
"@unusual_whales It would probably be ideal to hold government to a select number of investments like regular people and their 401(k)s. Doesnt ban them from investing bans them from literally insider trading. Just a thought"
X Link 2025-01-08T16:57Z [--] followers, [--] engagements
"How much of this matters in conjunction with the factors that impact the market you mentioned in your book @BrianFeroldi"
X Link 2025-01-09T15:43Z [--] followers, [--] engagements
"@MacroAlf Interesting. Historically speaking its at least close to normal so could it be something other than rates alone"
X Link 2025-01-09T16:04Z [--] followers, [--] engagements
"Heard about the backdoor Roth IRA but not sure how it works Its a strategy for legally getting money into a Roth IRA when you earn too much to contribute directly. Heres a quick thread to break it down"
X Link 2025-01-10T03:17Z [--] followers, [--] engagements
"1) First why care about a Roth IRA - Tax-free growth - Tax-free withdrawals in retirement - No Required Minimum Distributions (RMDs) - Easier inheritance Its one of the best retirement accounts out there but income limits can block high earners from contributing directly"
X Link 2025-01-10T03:17Z [--] followers, [--] engagements
"4) Watch out for the pro-rata rule If you have other pre-tax IRA funds the IRS looks at all your IRAs together when calculating the tax owed during the conversion. This can make the strategy messy"
X Link 2025-01-10T03:17Z [--] followers, [--] engagements
"5) The backdoor Roth IRA is 100% legal as the govt would never allow anything to sneak past their gaze. Its a powerful tool for high-income earners who want tax-free growth in retirement"
X Link 2025-01-10T03:17Z [--] followers, [--] engagements
"Want to discuss if a backdoor Roth IRA is right for you Talk to a financial advisor or a tax professionaltiming and execution are everything with this strategy"
X Link 2025-01-10T03:17Z [--] followers, [--] engagements
"The College Football Playoff committee watching a game that finally keeps fans engaged until the end"
X Link 2025-01-10T03:44Z [--] followers, [--] engagements
"Business owners and entrepreneurs have tremendous investment and tax opportunities available to them. One of them is the Solo 401(k)"
X Link 2025-01-10T19:07Z [--] followers, [--] engagements
"This is a 401(k) designed for self-employed individuals with no employees (except a spouse). Think of it as: 👤 Solo 401(k): For you and your side hustle/business. 👥 Regular 401(k): For you and your company team"
X Link 2025-01-10T19:07Z [--] followers, [--] engagements
"Here are a few great features of the Solo: [--]. You can contribute a combined total of $70000 in [----] up from $69000 in [----]. (You contribute as both employee and employer.) [--]. You can choose between Traditional (pre-tax) or Roth (after-tax) contributions"
X Link 2025-01-10T19:07Z [--] followers, [--] engagements
"3. You can usually borrow up to $50000 or 50% of the account balance (whichever is less) for emergencies or investments. [--]. If your spouse works in your business they can also contribute up to the max doubling retirement savings"
X Link 2025-01-10T19:07Z [--] followers, [--] engagements
"5. There is typically LESS paperwork and MORE investment options and FGEWER fees compared to a traditional 401(k). You will also have the opportunity to rollover funds from other retirement accounts (like IRAs or old 401(k)s) for consolidation and streamlined management"
X Link 2025-01-10T19:07Z [--] followers, [--] engagements
"What does it take to get started Well first you have to have a business. This means an EIN number and no other employees (other than a spouse). Once these are completed it's quite simple. Reach out today if you need help taking the right steps"
X Link 2025-01-10T19:07Z [--] followers, [--] engagements
"I foresee a 21-3 OSU lead going into halftime and Ewers being replaced by Manning. Similar to the Tua move Alabama made many years ago at halftime"
X Link 2025-01-11T01:27Z [--] followers, [--] engagements
"Mortgage rates can be confusing (on top of being frustrating for those looking to purchase a home in 2025). Here are [--] things that would be helpful to understand if you are someone considering buying a home in the future - near or far"
X Link 2025-01-11T21:51Z [--] followers, [--] engagements
"1. There are different types of loans. For simplicity's sake there are three things to focus on: time interest type and eligibility. As you can see in the photo the most common are [--] and [--] year loans with [--] being the most common. Next is fixed vs. variable"
X Link 2025-01-11T21:51Z [--] followers, [--] engagements
"2. Fixed vs. Variable The more common of the two is the fixed loan. An upfront agreement for (x) amount of time with (x%) loan interest rate. Variable (or adjustable) is the opposite. It can change over time. Typically this can happen a max of [--] time per year"
X Link 2025-01-11T21:51Z [--] followers, [--] engagements
"3. Eligibility There are also different type of loans depending on your background. - Jumbo Loan: For high-value properties exceeding standard loan limits. - FHA Loan: Government-backed loan for lower-income/first-time buyers. - VA Loan: Government-backed loan for veterans"
X Link 2025-01-11T21:51Z [--] followers, [--] engagements
"Real estate can be a great investment but unlike what many say it DOES NOT only go up. Take a look at this chart. While it is a bit of a stretch to say every decrease stems from a correct or downfall in the real estate market we can gather there are certainly patterns"
X Link 2025-01-11T22:26Z [--] followers, [--] engagements
"Taking COVID for an example [----] represents the lowest mortgage rate since [----]. Rates below 2.5% are unimaginable today but families were taking advantage of re-financing their homes just under [--] years ago. Along with their cash saved from this prices sky-rocketed"
X Link 2025-01-11T22:26Z [--] followers, [--] engagements
"Settling in around $420k the median home price in America is higher than ever. While this while pay off nicely for those who have owned their homes over this period it leaves a BIG decision on their hands"
X Link 2025-01-11T22:26Z [--] followers, [--] engagements
"Sell and take the capital gain OR hold to avoid having to find a new home with a higher interest rate at the highest historical prices The answer of course will depend on the person but ultimately there really is NO right choice"
X Link 2025-01-11T22:26Z [--] followers, [--] engagements
"Im sure theres more to it than meets the eye but predatory advising happens well before college. As an athlete that was drafted and signed to a university the amount of approaches I received that felt like a used car pitch was not good. Im sure its even worse today. NIL agent Noah Reisenfeld claims pretty much every NIL agency charges 20% compared to NFL/NBA standard of 3-5% his justification: If you compare a $10 million NFL deal to a $1 million deal in college an agent makes $300k in NFL vs $200k in college. (🎥 @beinthekneaux/YT) https://t.co/J3vjay82I8 NIL agent Noah Reisenfeld claims"
X Link 2025-01-12T04:58Z [--] followers, [--] engagements
"2. Work Hard: Success comes from consistent effort diligence and making the most of your time. It's incredibly easy to waste time in today's world. On platforms such as the one you're on now Be mindful of this"
X Link 2025-01-13T19:00Z [--] followers, [--] engagements
"3. Value Frugality: Spend wisely avoid waste and focus on saving rather than indulging in unnecessary luxuries. "A fat kitchen makes a lean will" as Franklin puts it"
X Link 2025-01-13T19:00Z [--] followers, [--] engagements
"Times are changing in the financial advisor world. Seems that partnering with your golf buddy who talks about the economy for 1.5% of your net worth fee is going away and millennials are switching to a lower fee at a higher value. Just my opinion"
X Link 2025-01-14T17:31Z [--] followers, [--] engagements
"As I review some annuities this morning I'm reminded of how often clients buy them in their past and then regret them a mere [--] or [--] years later. A lot of the younger generation is not even familiar with annuities so I'm going to list off [--] important things to know about them:"
X Link 2025-01-15T15:58Z [--] followers, [--] engagements
"@FitFounder A man could have all he needs by walking squatting and benching"
X Link 2025-01-16T21:50Z [--] followers, [--] engagements
"@TrungTPhan Remarkable tweet"
X Link 2025-01-16T22:17Z [--] followers, [--] engagements
"Theyre actually banning Tik Tok I thought that was some marketing ploy. Remarkable what the government speeds can look likewhen they want something done. Makes you wonder"
X Link 2025-01-17T17:04Z [--] followers, [--] engagements
"@rledbetterCPA Such a great thread. Thanks for sharing"
X Link 2025-01-18T03:10Z [--] followers, 27.9K engagements
"@TKopelman I recommend @DavidBahnsen on anything dividends. The reasoning goes beyond liking payments from holdings"
X Link 2025-01-18T03:14Z [--] followers, [---] engagements
"@PeterMallouk You must be kidding"
X Link 2025-01-18T13:09Z [--] followers, [---] engagements
"@mortgagetruth Interesting. Even if inflation and the economy are cooling its difficult to predict what the housing market will be like this year just because of the amount of sellers vs buyers. Do you believe slightly lower rates would make much of an impact"
X Link 2025-01-18T14:16Z [--] followers, [--] engagements
"@MorningBrew To be fair they all run companies. The rest of us are checking ESPN"
X Link 2025-01-20T16:46Z [--] followers, [---] engagements
"What is going to happen to the estate tax in [----] Among the many changes taking place from the White House this may be one that stays the same. The current set up is anyone with an estate of $13.99 MM is able to pass their wealth on tax free but"
X Link 2025-01-21T20:32Z [--] followers, [--] engagements
"Simple IRA For employers with under [---] employees the Simple requires an employer contribution of either a 3% of salary match or 2% contribution based off salary. Unlike the SEP a contribution must be made annually. Employees can contribute but they don't have to"
X Link 2025-01-23T17:35Z [--] followers, [--] engagements
"We have merely scratched the surface of what an owner can do or what they should do. Follow me for more info on business owner financial planning"
X Link 2025-01-23T17:35Z [--] followers, [--] engagements
"Whats going on in the White House is great but whats going on in your House is more important. Priorities matter"
X Link 2025-01-24T16:47Z [--] followers, [--] engagements
"Before [----] just about every account in someone's estate received a step up in basis. The REMOVAL of this was HUGE because the beneficiary of those accounts was able to avoid paying taxes on the large portion of gains that occurred during their parent/grandparent's life"
X Link 2025-02-04T16:24Z [--] followers, [--] engagements
"The accounts that are STILL taxable to the beneficiary are known as Income in Respect of a Decedent (IRD) and include: - Money owed to decedent at death (wages etc.) - Rental Income - Accounts receivable from business - Annuity/retirement income - Tax-deferred accounts"
X Link 2025-02-04T16:24Z [--] followers, [--] engagements
"@BobEUnlimited Jamie Dimon just called credit a bad risk and warned about retail pouring into private credit. As liquidity thins and due diligence varies is this the next shoe to drop Curious to hear your take on how advisors should be thinking about this"
X Link 2025-05-20T00:38Z [--] followers, [--] engagements
"If you own any single stocks in your portfolio youve probably owned at least one in your life that hasnt performed they way you expected. Tax loss harvesting allows you to use losers to sell winners you were already planning on selling and pay [--] tax in the process"
X Link 2025-05-20T21:10Z [--] followers, [--] engagements
"Simply put the goal is to reduce taxes on gains you were going to realize anyway. This only makes sense in a taxable brokerage account as retirement or qualified accounts like your 401(k) IRA or Roth IRA all have deferred or no taxation"
X Link 2025-05-20T21:10Z [--] followers, [--] engagements
"President Trump has come out with a new plan for taxation in America. Recently I released a video on my YouTube sharing [--] of the most impactful changespotentially. Check it out in the comments if youd like to learn more"
X Link 2025-05-21T15:36Z [--] followers, [--] engagements
"1) Homeowners with above a 4-5% interest rate. Be mindful of those mortgage refund offers that come in the mail. Other words maybe special refinance offer or mortgage rate deduction. These are not entirely fake but are very misleading"
X Link 2025-05-25T21:12Z [--] followers, [--] engagements
"@Austen Or a collection of people"
X Link 2025-07-14T15:25Z [--] followers, [--] engagements
""The rich person tax." Ah yes NIIT. Applies to things like interest from bonds profit from investments (cap gains) and even passive business income like rental income from real estate"
X Link 2025-07-14T22:49Z [--] followers, [--] engagements
"Is it fair Not for me to decide. Here's what I can tell you: [--]. You need to be aware of this if you make $200k and are single or $250k and married. [--]. There are several strategies to legally avoid NIIT such as becoming active rather than passive with your RE investments"
X Link 2025-07-14T22:49Z [--] followers, [--] engagements
"2.5. as well as selling a property via installment sale (over time) rather than all at once avoiding jumping the previously mentioned threshold. [--]. If you do not own real estate strategies like tax-loss harvesting your stocks might be helpful. Matching your gains w/ losses"
X Link 2025-07-14T22:49Z [--] followers, [--] engagements
"@AdamB1438 Call in and ask Dave Ramsey if you should do 0% down real estate investment"
X Link 2025-07-14T23:12Z [--] followers, [--] engagements
"Over [----] Have a parent who is Give smarter. A Qualified Charitable Distribution (QCD) lets you donate directly from your IRA to charity up to $108k/year tax-free. ✔ Lowers your taxable income ✔ Counts toward your RMD ✔ Doesnt require itemizing QCDs can be a gamechanger"
X Link 2025-07-15T18:51Z [--] followers, [--] engagements
"Let's talk about gifting. The current amount is $13990000 per person. Set to go up next year. Unless you plan on being someone with over $15 M when you die you have nothing to worry about. (Double that if you're married.)"
X Link 2025-07-18T15:03Z [--] followers, [--] engagements
"Real estate on the other hand is much more slow growth for most. Traditional holdings like a rental earn profits by way of tenants paying rent building appreciation over time and eventual sale of building. Theres one huge benefit of real estate however"
X Link 2025-07-20T19:59Z [--] followers, [--] engagements
"Taxes. While Bitcoin can be invested in by way of ETFs in a tax-free account like a Roth IRA rental properties allow owners to: - Take deductions lowering present day taxable income - Depreciate property again lowering taxable income - Pass property to heirs tax free"
X Link 2025-07-20T19:59Z [--] followers, [--] engagements
"@thexcapitalist Ray Dalio was a great hedge fund founder but he comes out with a new doomsday policy on a quarterly basis since he got one right with 08"
X Link 2025-09-02T22:44Z [--] followers, [---] engagements
"@markcecchini Annoying add here but WHOOP has been pretty great. If youre like me and you like data to make decisions its pretty great"
X Link 2026-01-02T02:15Z [--] followers, [---] engagements
"I just made it through the third part of the EA but state taxes still feel like a totally different beast. We have a client going through similar issue but lower stakes than a liquidity event. Are you walking them through this process or is just literally create as many breadcrumbs as possible https://twitter.com/i/web/status/2013242038901158116 https://twitter.com/i/web/status/2013242038901158116"
X Link 2026-01-19T13:28Z [--] followers, [---] engagements
""Hire your kid. It's an easy way to save on taxes and build their retirement." Most business owners have thought about this at some point but have no actual plan on how to go about doing this without getting zapped by the IRS. Here are [--] things you need to make sure of before ever hiring your son or daughter for your business. https://twitter.com/i/web/status/2013272174514082180 https://twitter.com/i/web/status/2013272174514082180"
X Link 2026-01-19T15:27Z [--] followers, [--] engagements
"Most business owners I work with cannot contribute to a Roth IRA because they're over the IRS's income limit. There's a simple way around this:"
X Link 2026-01-20T17:43Z [--] followers, [--] engagements
"For [----] the Roth IRA contribution limit is $7500 with an extra $1100 catch-up contribution for those [--] and older. But once income increases there is a "phase out" that's seen for single filers at $153000 and joint filers at $242000. So you think hey no big deal I'll just do what you mentioned above. But not so fast"
X Link 2026-01-20T17:43Z [--] followers, [--] engagements
"The "pro-rata rule" is a commonly missed red flag for anyone looking at this strategy. If you have any: - SEP IRAs - Traditional IRAs - SIMPLE IRAs In your name.the IRS wants you to include that when you make the conversion from your nondeductible IRA over to your Roth IRA"
X Link 2026-01-20T17:43Z [--] followers, [--] engagements
"It works like this. You see your different accounts when you open your portfolio but the IRS sees how much is "tax-deferred" and how much is "after tax.""
X Link 2026-01-20T17:43Z [--] followers, [--] engagements
"Using that breakdown if your "tax status" of your IRAs is 93% tax-deferred money only 7% of that conversion will be non-taxable. Crazy right All of that work for nothing. But there's one point that trips people up"
X Link 2026-01-20T17:43Z [--] followers, [--] engagements
"Its tough to balance quiet progress with signaling competence especially early on in careers. In my situation in particular when you ask someone to manage their life savings you get a nice little pat on the head and told thanks but no thanks but through the loud progress I guess we could call it people start to take you more seriously. https://twitter.com/i/web/status/2013974350278414433 https://twitter.com/i/web/status/2013974350278414433"
X Link 2026-01-21T13:57Z [--] followers, [--] engagements
"Financial planning is merely a proactive plan or a reactive response to life's challenges. Anytime I speak with divorced spouses I am reminded of this as 0% of couples get married to get divorced but 100% of them must plan for what comes after. While divorce is merely one "life challenge" anyone reading this can find their own that could potentially pop up. https://twitter.com/i/web/status/2014034958566723951 https://twitter.com/i/web/status/2014034958566723951"
X Link 2026-01-21T17:58Z [--] followers, [--] engagements
"Lets be honest they dont care. Im literally a financial advisor now and I couldnt have cared less about personal finance in middle school and most of high school. You can lead a horse to water but you cant make them drink. With the amount of info out there in todays world those who desire it will find it. https://twitter.com/i/web/status/2014389747083575659 https://twitter.com/i/web/status/2014389747083575659"
X Link 2026-01-22T17:28Z [--] followers, [--] engagements
"@Hanakookie1 @kinginvestings Buy his next property in cash and avoid the 6% interest rate. He just made an 800k return on his last house he'll be alright lol"
X Link 2026-01-22T19:34Z [--] followers, [--] engagements
"@DvdndDiplomats Ideally when you have less active (work) income on the way in so you can hold it in a variety of accounts like a brokerage account tax-deferred tax-free set up. So none of the above probably fit that"
X Link 2026-01-22T19:35Z [--] followers, [--] engagements
"@TripleNetTyler Made their money working in real estate or investing in real estate My guess is many of them both but there's a fine line of when it makes sense vs. when it leaves a high-earner cash-strapped"
X Link 2026-01-22T19:36Z [--] followers, [---] engagements
"If you make above a certain amount this year you cannot directly add to your Roth IRA. But theres a simple way around this"
X Link 2026-01-23T12:59Z [--] followers, [---] engagements
"Its really as simple as that. The bigger question is around why someone would do this and thats where we get into building a tax-efficient retirement"
X Link 2026-01-23T12:59Z [--] followers, [--] engagements
"Ideally you would have [--] buckets in retirement (or after you turn 60): [--]. Tax-deferred (your 401(k) Trad. IRA SEP IRA etc.) [--]. Tax-free (your Roth IRA Roth 401k etc) [--]. Taxable (brokerage accounts)"
X Link 2026-01-23T12:59Z [--] followers, [--] engagements
"@MrNQDC I agree just curious. I think the Backdoor possibility is huge but didnt know how you gauged using ETFs versus mutual funds essentially"
X Link 2026-01-23T13:46Z [--] followers, [--] engagements
"Really interesting breakdown. Tesla and BTC both have a sensitivity to VOO that's unleashed so mixing that level of risk with the way you've spent the other money I'm willing to bet you've got a healthy chunk of change socked away elsewhere because this was "given to you" in this scenario not what you already have. Thanks for sharing. https://twitter.com/i/web/status/2014711349104787457 https://twitter.com/i/web/status/2014711349104787457"
X Link 2026-01-23T14:46Z [--] followers, [---] engagements
"Hey someone in my 20s and 30s here. He's not wrong. You cannot destroy the housing market in favor of one designed outcome. This is pure foolishness. Ultimately the market (the buyer + seller) decides what the price is. It's been that way in America forever and now is not the time to change this. https://twitter.com/i/web/status/2014713370662891755 https://twitter.com/i/web/status/2014713370662891755"
X Link 2026-01-23T14:54Z [--] followers, [--] engagements
"@BoomerDivvies Probably not. Especially if you have a kid or are in a metropolitan area. Either is enough to basically put you at break even or in the red"
X Link 2026-01-23T14:57Z [--] followers, [--] engagements
"Let's face it it's hard to reduce taxes when you're in your peak earnings years. Between balancing the checking account for your family and tying cash away for retirement options can feel limited. Here are [--] simple ways that you still might be able to save on taxes (regardless of income): https://twitter.com/i/web/status/2014811601505788154 https://twitter.com/i/web/status/2014811601505788154"
X Link 2026-01-23T21:24Z [--] followers, [---] engagements
"What are some options for itemized deductions - Donations - Sales tax* - Property tax - City + state tax* - Mortgage interest - Medical + dental expenses above a threshold With these the goal is to come up with enough to find greater deductions than those of the standard deduction mentioned above. *Must choose one; cannot have both"
X Link 2026-01-23T21:24Z [--] followers, [--] engagements
"3) Using real estate to lower income tax Few people understand how to lower taxes with real estate (which is good because it's not for everyone) But there's an option within owning a rental property called "short-term rentals" that allow this. You must be materially participating in the property or have "real estate professional status" to not only make income from the property but also take deductions from it. https://twitter.com/i/web/status/2014811613220512099 https://twitter.com/i/web/status/2014811613220512099"
X Link 2026-01-23T21:24Z [--] followers, [--] engagements
"I will not do it justice in this thread so I encourage you to read my most recent newsletter to understand but the crux is this: By attaining active status with your rental property you can offset active income regardless of W2 or [----] status. You would do this through "depreciation" which is a common deduction that is accomplished through real estate that allows you to create "paper losses" which then factor into your income reduction"
X Link 2026-01-23T21:24Z [--] followers, [--] engagements
"4) Hiring children Only available for business owners. You can pay your children a legitimate wage for actual work up to the standard deduction. The result The business gets a deduction the child pays $0 in federal income tax and the money stays in the family. It effectively shifts income from your high bracket to their 0% bracket. https://twitter.com/i/web/status/2014811617196728631 https://twitter.com/i/web/status/2014811617196728631"
X Link 2026-01-23T21:24Z [--] followers, [--] engagements
"If this has been helpful for you follow me for more content just like this. You can find my newsletter with the link in my bio. (Sorry X punishes links in tweets)"
X Link 2026-01-23T21:24Z [--] followers, [--] engagements
"All content is purely for education and not for recommendation. Always speak with a financial or tax professional regarding your specific situation"
X Link 2026-01-23T21:24Z [--] followers, [--] engagements
"@polticsonly @DadInvest @JohnPhi7056453 Every taxpayer regardless of age/income would have seen an increase of 2-3% in taxes. One of the most overlooked parts of the bill was that it extended what President Trump did in [----] with lowering the percentages of the tax brackets in America"
X Link 2026-01-23T21:30Z [--] followers, [--] engagements
"@MeasureTwiceMNY Interesting. So your end goal is to teach clients how to operate on their own and then they go back to DIY after a year or so"
X Link 2026-01-24T22:05Z [--] followers, [--] engagements
"Ive worn a WHOOP for the past [--] months or so and would definitely so its help me confirm some previous issues as well as helps me stay in a really tight goal range for running. I dont think it needs to be an either or probably just an understanding that the body is first priority in who to listen to. https://twitter.com/i/web/status/2015184704173949351 https://twitter.com/i/web/status/2015184704173949351"
X Link 2026-01-24T22:07Z [--] followers, [--] engagements
"Let's begin with a basic comparison. Most are familiar with these two accounts through experience but few have a grasp on the specifics that make them different and therefore better for one business owner over another. I'll break each down next:"
X Link 2026-01-25T18:19Z [--] followers, [--] engagements
"- Catch up contributions are not a part of SEP IRAs which would allow someone [--] or older to contribute an extra $8k/yr. - SEP IRAs are known for their simplicity in setup whereas 401(k) s take a little more on the front end although technology has made this easier. - All SEP contributions are "final" but employers can use different vesting schedules with 401(k)'s to incentivize employees to stick around longer. + This can be 1-6 years and depends on whether the vest is a cliff vest (100% ownership after 2-3 years) or a graded vesting (ownership increases gradually over 3-6 years e.g. 20% per"
X Link 2026-01-25T18:19Z [--] followers, [--] engagements
"The 401(k) is easier for people to understand. The employee puts money in the employer puts money in (often times as a "match" based on contribution/salary) and then if there's any room left over the employee can contribute after-tax dollars in. With the SEP IRA because only the employer can contribute you must match what you do for yourself for employees. This is why it can get expensive fast"
X Link 2026-01-25T18:19Z [--] followers, [--] engagements
""What you do for thee you must do for me" would be a good motto for a business owner with multiple employees using the SEP IRA. If you contribute the max for yourself you must do the same for them. Not to the same dollar figure as it's either a percentage of salary OR $72k (2026) whichever is LESSER. But you take gross W2 pay and multiply it by the percentage you've chosen for the year (up to 25%) and then find what you'll contribute for each employee. https://twitter.com/i/web/status/2015489856944902365 https://twitter.com/i/web/status/2015489856944902365"
X Link 2026-01-25T18:20Z [--] followers, [--] engagements
"Ultimately while a SEP IRA is easier to set up a 401(k) is almost always cheaper to scale once you have employees you don't want to fund at 25%. This is why you'll see more solo business owners using the SEP than businesses with multiple employees but even then I think there's a strong argument to be made for using the Solo 401(k) which works the exact same way as the 401(k). Let me show you one last detail and it's about getting Roth dollars into your retirement plan"
X Link 2026-01-25T18:20Z [--] followers, [--] engagements
"As I mentioned earlier SEP IRAs only have one "bucket" so by makeup alone they cannot do a Mega Backdoor Roth. A MBDR means money has already been taxed as ordinary income but you can convert it to Roth immediately so the growth is never taxed again. With SEP IRAs they now allow Roth contributions but that amount is actually included in gross income for the year it's made. .So basically same end result (Roth bucket filled) but different route with the 401(k) being more tax-friendly. https://twitter.com/i/web/status/2015489885529104476 https://twitter.com/i/web/status/2015489885529104476"
X Link 2026-01-25T18:20Z [--] followers, [--] engagements
"Retirement planning for business owners shouldn't be a guessing game. If you're trying to figure out which "bucket" makes the most sense for your tax situation this year shoot me a message with questions"
X Link 2026-01-25T18:20Z [--] followers, [--] engagements
"For illustration only. Consult with a qualified tax professional or financial advisor regarding your specific situation before implementing these strategies"
X Link 2026-01-25T18:20Z [--] followers, [--] engagements
"LIQUID Investments These are the accounts that you can go into and sell relatively quickly without any concessions on price. - Bank accounts - Brokerage accounts - Money market CDs etc. These are ideal for families who cannot or do not want to lock their money away for 5+ years"
X Link 2026-01-26T15:25Z [--] followers, [--] engagements
"ILLIQUID Investments These are the accounts that are the opposite. Harder to get access to either because you have to take a penalty to sell or you can only get a small portion out at a time. - Real estate - Retirement accounts - Private investments (private equity venture cap) These can be ideal for families looking to grow long-term wealth beyond their brokerage accounts. https://twitter.com/i/web/status/2015808447330087404 https://twitter.com/i/web/status/2015808447330087404"
X Link 2026-01-26T15:26Z [--] followers, [--] engagements
"So many high earners are shocked when real estate doesnt reduce their W-2 or business income. From a tax standpoint "passive doesnt mean what people think it means. Most people hear passive real estate and think hands-off income. The IRS means something very different. Passive is not about effort but the participation of your actual time and energy in the business or property. If you dont "materially participate" your losses live in a box. Can't use them. They can only offset other passive income when they pop up. Thats why so many high earners are shocked when depreciation doesnt reduce"
X Link 2026-01-26T18:00Z [--] followers, [--] engagements
"@BrianLaManna_ Several of the teens listed I assumed were younger. Stripe Datadog and a few others are huge players in the private markets right now but its crazy to see theyve already been around for a decade +"
X Link 2026-02-15T01:30Z [---] followers, [----] engagements
"@Seviay31 @RayDalio Honestly I think its a I already made my money so now Im just going to try to get invited onto tv shows and sell books lol"
X Link 2026-02-15T01:31Z [---] followers, [----] engagements
"This is a great post. I think most people think real estate is not working and getting paid passive income but the start is brutal as you mentioned. This is why it could be ideal for one spouse to focus on building a RE portfolio get the tax benefits while the other spouse stays employed. https://twitter.com/i/web/status/2023093943114534925 https://twitter.com/i/web/status/2023093943114534925"
X Link 2026-02-15T17:55Z [---] followers, [--] engagements
"@GenZMultifamily We need to talk about your Chipotle bowl bro. Youve got plenty more in the tank with this haul"
X Link 2026-02-14T01:47Z [---] followers, [--] engagements
"This is definitely something I had not come to a conclusion on. The tough part is there is no standard fee like you have with a CPA. Example you come in they spend [--] mins filing your return. They move on. Done. With wealth management I look at some our clients portfolios several times a week Im juggling tax/estate/personal decisions constantly and they can pick up a phone and call me. So I definitely get the argument but its so tough to know whats fair. Flat fee makes sense may make sense for ridiculously large accounts but I think itd be more on a case by case basis"
X Link 2026-02-14T15:02Z [---] followers, [---] engagements
"@RayDalio Ive never seen Ray Dalio say one positive thing about the market or the economy and he owns one of the largest hedge funds in the world. Theres something to be said for that"
X Link 2026-02-14T22:37Z [---] followers, 228.6K engagements
"@jnissikim @RayDalio Noah built the ark on a righteous mission for God and led to humanitys saving. Ray is essentially sowing discord by telling people a market crash is coming for [--] decades while keeping a close relationship with China in the process. So yeah theyre not all that similar"
X Link 2026-02-15T02:05Z [---] followers, [---] engagements
"@TheGeodexes @RayDalio Im not sure I understand. Ray has been both negative and wrong. See Bridgewaters returns to literally any other quality hedge fund and it will tell a story"
X Link 2026-02-15T02:59Z [---] followers, [----] engagements
"@wwmiloww @RayDalio Who tends to make more"
X Link 2026-02-15T14:42Z [---] followers, [----] engagements
"@MichaelAArouet For those of you who have family wealth read a couple of books written by Dr. Richard Orlando. Discusses the shirt sleeves to shirt sleeves issue with these families"
X Link 2026-02-15T14:58Z [---] followers, [---] engagements
"Einstein was correct when he said compound interest was the 8th wonder of the world. But at times we forget it's the gap between what you earn and what you spend that matters the most at first. Compounding on small numbers takes a LONG time to start seeing any growth. Think back to how hard it was to get to your first $100k invested and you'll have a great reason for why"
X Link 2026-02-15T20:56Z [---] followers, [--] engagements
"When someone pays me for what I specialize in it's not about showing them how smart I am or running a few retirement calculations for them. It's about someone who knows how their partner will react to taking risk understanding who's impacted by investment decisions and going beyond what's obvious to what's personal"
X Link 2026-01-21T18:08Z [--] followers, [---] engagements
"We're reaching a day where information is only going to multiply and even the smartest people will need less of their brain power geared towards memory and more towards application. Next time you sit down with your financial planner make sure what you want is what you're getting. If you're going to pay someone to make your life better find ways to cleary communicate and track what that looks like. https://twitter.com/i/web/status/2014037335118078403 https://twitter.com/i/web/status/2014037335118078403"
X Link 2026-01-21T18:08Z [--] followers, [--] engagements
"@TKopelman @WeAreWealth We just signed up for Vanilla without even giving Wealth a try. I'm assuming this is going to have some integration with the estate side as well"
X Link 2026-01-28T03:56Z [--] followers, [---] engagements
"@middle_class_us Meh I think this is definitely painting with a wide brush here. We'll never have the data but those who would "enjoy" working over [--] hours a week are probably tough to find these days.or ever frankly"
X Link 2026-01-28T03:59Z [--] followers, [--] engagements
"@Dividend_Dollar Past a certain age income is not your problem. Before a certain age income is your problem"
X Link 2026-01-28T04:01Z [--] followers, [--] engagements
"What type of business IMO scalability depends a lot on whether your current clients are only with you because of your firm. With financial planning a lot of times clients couldn't tell you a thing about the firm but everything about their advisor so scaling is a little more predictable just as an example. https://twitter.com/i/web/status/2016545861522641407 https://twitter.com/i/web/status/2016545861522641407"
X Link 2026-01-28T16:16Z [--] followers, [--] engagements
"@CGInvesting10 So then what's the thought if you miss on a handful you hope the larger majority of holdings makes up for those losses"
X Link 2026-01-29T02:27Z [--] followers, [--] engagements
"@theficouple So then what's the next best option Hope DeSantis can get a bill passed or just deal with it as is I assume most Floridians don't see the value in moving to lower property state tax areas"
X Link 2026-01-29T02:30Z [--] followers, [---] engagements
"@money_cruncher Most clients I work with fear adding too much to a [---]. The 35k rollover to a Roth IRA was a huge add but if someone has multiple kids the easiest appraoch is just changing beneficaries if the first doesn't use it"
X Link 2026-01-29T02:34Z [--] followers, [---] engagements
"@nathanielsford This is awesome man. Well deserved"
X Link 2026-01-29T02:50Z [--] followers, [--] engagements
"Interest rates put forth by the Fed are one ingredient in the bowl. What comes out of the oven is from the mixture of ingredients: - 10-year Treasury (US bonds) - Overall inflation and economic numbers - Housing market sentiment (how people feel) .and so forth. Don't ask questions it's confusing okay Lol. https://twitter.com/i/web/status/2016906061882548614 https://twitter.com/i/web/status/2016906061882548614"
X Link 2026-01-29T16:07Z [--] followers, [---] engagements
"The S&P literally updates itself to track the [---] best companies in America (because it's an index). That's something most investors simply do not understand. While combining the 500th best co. in America with the 1st will certainly water down returns if someone were willing to tell you the [---] "best" of anything you'd be willing to put money down"
X Link 2026-01-29T20:53Z [--] followers, [---] engagements
"@stijnnoorman Wait Harvard doesnt sell education"
X Link 2026-01-30T01:02Z [--] followers, [--] engagements
"@BoringBiz_ Dude come on. The President of the United States isnt saying that thats just been how building wealth has worked since the beginning of time"
X Link 2026-01-30T01:09Z [--] followers, [----] engagements
"@MatrixMysteries 99% of scams are not scams.but health insurance is definitely twinning with what a scam looks like. The same service for two remarkably different prices is certainly a red flag"
X Link 2026-01-30T18:04Z [--] followers, [---] engagements
"@darren_unruh I think the introduction of private investments in 401(k)'s in the near future will be a real turning point for the alt's space good or bad. Everything he said is true however the concentration and correlation cannot be ignored forever"
X Link 2026-01-30T20:46Z [--] followers, [--] engagements
"A short list of misunderstandings around taxes I've collected from entrepreneurs over the past year that cost them in the long run:"
X Link 2026-01-31T00:00Z [--] followers, [--] engagements
""My accountant handles that." No he doesn't. He's overworked and more worried about how he can get paid fairly than proactively planning for the book of clients he has which is already too many"
X Link 2026-01-31T00:00Z [--] followers, [--] engagements
""My LLC helps me save on taxes." It doesn't. A limited liability company is for.limited liability. It's to separate business from personal so if one goes sideways it doesn't take the other with it. Even if you have an LLC you need to "tell" the IRS how you want to be taxed: - Sole proprietor (what they assume) - S Corp - C Corp - Partnership https://twitter.com/i/web/status/2017387397378674754 https://twitter.com/i/web/status/2017387397378674754"
X Link 2026-01-31T00:00Z [--] followers, [--] engagements
"@nathanielsford @notanotherquant I agree. I don't think people understand that Bitcoin is essentially what boomers think gold is for the most part. Separated from the government has a value different than the public stock market and has shown potential for remarkable growth quickly"
X Link 2026-01-31T15:54Z [--] followers, [--] engagements
""Spend less than you make save 15% of your income and invest in the S&P regularly." When are we going to learn that this regurgitated overused advice will only get people so far"
X Link 2026-01-31T21:00Z [--] followers, [--] engagements
"Look I get it. Homebuying is almost as emotional as it is logistical. - Your wife gets pregnant and you want a place to lay down roots. - You're tired of "building someone else's equity" and you want your own. - Friends/family all own houses and you want a place to call your own too. But letting emotions drive financial decisions can end up costing you in the long run"
X Link 2026-02-01T13:45Z [--] followers, [--] engagements
"I'm not saying you cannot weigh the pro's and the con's and decide what's right for you as all financial planning is simply a matter of going with what makes sense in the moment. But jumping the gun might be something you regret later"
X Link 2026-02-01T13:45Z [--] followers, [--] engagements
"@KurtSupeCPA Hes talking about the AFR rate. Its a fraction of what current interest rates are decided by the government. Essentially they dont want rich families letting their kids avoid paying the credit card companies interest for having the bank of mom and dad instead of Capital One"
X Link 2026-02-01T15:42Z [---] followers, [----] engagements
"@SJosephBurns Everyone is going to say SpaceX so the second choice would be either Anthropic or OpenAI"
X Link 2026-02-01T15:55Z [--] followers, [--] engagements
""I just cannot sell my house. I don't know where I'd move to." Direct quote from a client in their late 60s who's owned their home for 25+ years. While some homeowners get priced out by property taxes and other costs of keeping the house many long-time owners have been "stuck" in their homes because of interest rates and the market. Here's one quick thought on how a simple legislation change could impact this:"
X Link 2026-02-01T22:15Z [--] followers, [---] engagements
"Right now a homebuyer can sell their house and receive $250k in profits tax-free before being taxed the capital gains rate on their profit. Double this if you have a spouse. For instance you and your spouse have lived in your home for [--] out of the last [--] years (the requirement) and decide to sell it. You bought it [--] years ago for $400k and it's doubled since. All $400k would come to you tax free in this scenario. The problem is.this number is not HIGH enough to get the people like the one mentioned in my scenario out of their house. https://twitter.com/i/web/status/2018085722360783238"
X Link 2026-02-01T22:15Z [--] followers, [--] engagements
"What is $250/500k tax-free when you're looking at: - An additional $1 M in taxable gains - Having to decide if you're going to buy in cash next - If not having to put money down on a property at double the interest rate Because of this if the gov't would increase that $250k to more like $500k or even a million to get the market stimulated now we'd be talking. https://twitter.com/i/web/status/2018085734247526892 https://twitter.com/i/web/status/2018085734247526892"
X Link 2026-02-01T22:15Z [--] followers, [--] engagements
"@markcecchini I've come across like [--] equity comp situations in the past year and they're all RSUs. Is this mainly in your start up clients"
X Link 2026-02-02T15:29Z [--] followers, [--] engagements
"@MrNQDC We have several clients at construction companies and other blue collar's that do this. Seems a lot "safer" if that's a thing at boring companies than exciting ones"
X Link 2026-02-02T15:30Z [--] followers, [--] engagements
"That's a great way to gauge it. Unfortunately with public companies dwindling it's getting harder and harder. The construction firm I mentioned has thousands of employees but will never go public. You would think with an important decision they'd share more of the company's financials but even that sounds like it's been tough to get ahold of"
X Link 2026-02-02T16:59Z [--] followers, [--] engagements
"Most business owners wait until April to figure out their CPA isn't going to plan their taxes they're simply there to file them. Here are [--] things you need to understand about your taxes as a business owner:"
X Link 2026-02-02T17:00Z [--] followers, [--] engagements
"1. You owe the IRS 4x year through "estimated payments". How do you know if you'll owe them - You expect to owe at least $1k in tax after subtracting your withholding and credits - Your withholding and credits will cover less than 90% of the tax for the current year - Your withholding and credits will cover less than 100% of the prior year or 110% if you make above $150k. So put differently: If you're not making too much income yet. https://twitter.com/i/web/status/2018368885016391995 https://twitter.com/i/web/status/2018368885016391995"
X Link 2026-02-02T17:00Z [--] followers, [--] engagements
"2. If you miss the mark with estimated payments you're going to owe penalties with potential for interest owed. You'll want to shoot for Safe Harbor. Safe harbor essentially keeps you out of the penalty box with the IRS. All you have to do is meet the 90% or 100/110% figures I mentioned last tweet. https://twitter.com/i/web/status/2018368897398005787 https://twitter.com/i/web/status/2018368897398005787"
X Link 2026-02-02T17:00Z [--] followers, [--] engagements
"I'm in the middle (which is annoying yes) but if it's anywhere even close to the "gray area" of 4-5% interest and above it's all about the person. Below 4% I really think the person needs a good reason to pay down debt rather than invest. I think many of us are learning the lesson as we speak by putting too much cash in houses. Above this I'm more open-minded simply because of market averages. https://twitter.com/i/web/status/2018370054383972703 https://twitter.com/i/web/status/2018370054383972703"
X Link 2026-02-02T17:04Z [--] followers, [--] engagements
"@MrNQDC For sure. In Texas a lot of people don't move until they get a property tax bill that's basically a mini-mortgage and they want to move to a condo in retirement. It'll be interesting to see with the new Fed chair but I don't think we see [--] or COVID rates for a long time"
X Link 2026-02-02T17:06Z [--] followers, [--] engagements
"@themoviedadsc HODL is a very real thing and it's non-financial"
X Link 2026-02-02T17:07Z [--] followers, [--] engagements
"I agree but sometimes it takes breaking this to build significant amounts of wealth. - Skipping retirement contributions to start a business - Taking on debt to buy inventory scale etc. - Delaying buying a house for the same reasons There's no doubt there is the low and slow way but it seems like more and more millennials are saying this is not working anymore so it's worth pointing out. https://twitter.com/i/web/status/2018372167680024816 https://twitter.com/i/web/status/2018372167680024816"
X Link 2026-02-02T17:13Z [--] followers, [--] engagements
"@CPAPlanner Pretty common for sure. This on top of institutions like Fidelity charging [--] bps annually is something worth understanding"
X Link 2026-02-02T22:16Z [--] followers, [---] engagements
"@TomHughesx Think I'm going to reply to this thread 100x to get my numbers up"
X Link 2026-02-02T22:18Z [--] followers, [--] engagements
"@GenZMultifamily If you bought the houses in the past few years no way. If you've had the houses for some time maybe. What's "rich" though"
X Link 2026-02-03T03:02Z [--] followers, [---] engagements
"@GenZMultifamily Dang man that's awesome. Commercial/multi-family is one space I haven't quite bumped into much. I've heard more private investments like priv credit/equity VC and even hedge funds but RE seems like it's in a world of it's own sometimes"
X Link 2026-02-03T03:13Z [--] followers, [--] engagements
"Jesus Christ for sure. Also if you want to make your life more practically enjoyable sleep better exercise and get sunlight. If you struggle with alcohol cut it off entirely. Anything else even sugar don't quit cold turkey. Life is about more than going from regular guy Joe to GI Joe overnight. Start with one and move on slowly. https://twitter.com/i/web/status/2018797925074161931 https://twitter.com/i/web/status/2018797925074161931"
X Link 2026-02-03T21:25Z [--] followers, [---] engagements
"I passed the CFP exam [--] years ago. I passed the EA exams last year. Here are the three most overwhelming truths about financial planning and tax planning in today's world: [--]. Legal avoidance of taxes is maybe the no. [--] driver of why clients work with me. People like avoiding taxes more than they like creating gains. [--]. Sound financial planning is not a home run decision it's a bunch of forgettable singles over and over again for decades. [--]. If you don't understand how taxes interact with building a financial plan you're fighting a losing battle. It'd be like a personal trainer not"
X Link 2026-02-03T23:15Z [--] followers, [--] engagements
"@JoeBentley168 I've always thought investment bankers turned advisors who then work with investment bankers was a slam dunk. Serious work ethic. High income. Too busy to do it on their own. Don't flinch at premium fees. Understand that return only comes with accompanying risk"
X Link 2026-02-04T03:57Z [--] followers, [--] engagements
"@BoringBiz_ Lol honestly it makes no sense for a Dr. to come to this conclusion. If Bessent wants to sure it's his job but forget the national debt man - what about their freakin health"
X Link 2026-02-04T18:58Z [--] followers, [---] engagements
"Most business owners are going to get clobbered by taxes when they sell their business someday which is why it's important to understand what you can do today to help this: Direct indexing. Let me show you how a tax strategy using the regular S&P [---] can save you tons on taxes down the road"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"Most people "own" the S&P [---] by owning an ETF or mutual fund that tracks it. Direct indexing essentially "unboxes" the ETF and owns the stocks one by one"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"Why would someone want to do this Isn't owning single stocks more risky than owning the index In this case you're still tracking the exact same companies with the exact same weighting. The goal here is to minimize future taxes that come from capital gains. Like selling a business or company stock in large amounts. https://twitter.com/i/web/status/2019157808579838384 https://twitter.com/i/web/status/2019157808579838384"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"As a refresher capital gains are owed any time you make a sale of an asset like a stock a home or even your own business. They're taxed more favorably than ordinary income like that of a W2 salary or business income at [--] [--] and 20%. (Almost nobody I work with receives them at 0%. Mostly for retirees with low incomes who have not started Social Security yet.) https://twitter.com/i/web/status/2019157820449649041 https://twitter.com/i/web/status/2019157820449649041"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"There's another rule with capital gains: If you have equal winners and losers they can net each other out. This is commonly referred to as "tax loss harvesting" and may look like this. Stock A = Sold for a $25k gain Stock B C and D = Sold for a $25k loss In this instance there would be [--] tax owed. https://twitter.com/i/web/status/2019157832197894521 https://twitter.com/i/web/status/2019157832197894521"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"And while this can be all direct indexing does for you in keeping your tax bill manageable over time with your brokerage account I want to dive deeper into the sale of a business"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"Let's take Tesla as an example. This stock was up 11% in [----] but it had a crazy year. Tariffs politics and more cause the stock to run rampant. All of the negative periods you see on screen represent opportunities for direct index managers to put these losses into a bank"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"You still with me The end goal is to soak up as much "lemonade" from the "lemons" as possible. Direct indexing seeks to capture market volatility and put these losses in a "bank of losses" which is how you could think about it. The visual I showed you earlier"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
"So now let's lay it all out: - I've got an electric company I'm looking to sell and net $5 mil in gains - I'm going to assume it's an all "stock sale" which means it'll be taxed as a capital gain not ordinary income - I've been storing up my "bank of losses" for several years and have $400k to reduce my tax bill by Let's see what it looks like. https://twitter.com/i/web/status/2019157930042638542 https://twitter.com/i/web/status/2019157930042638542"
X Link 2026-02-04T21:15Z [--] followers, [--] engagements
""I've maxed out my 401(k). Now what" Where you turn after maxing out your business's retirement plan is based around [--] things: [--]. When do you need the money back [--]. What return do you want from the investment [--]. Do you have any large expenses coming up in the near future Let me break them down one by one"
X Link 2026-02-05T14:30Z [--] followers, [--] engagements
"1. When do you need the money back This is all about "liquidity" as we call it. If you'll need the cash back within 12-24 months you'll need a "more liquid" investment such as: - Bonds - Money Market - CDs (but I hate CDs) If you have more time on your hands: - Stocks - Real Estate - Alternative Investments https://twitter.com/i/web/status/2019418287256531131 https://twitter.com/i/web/status/2019418287256531131"
X Link 2026-02-05T14:30Z [--] followers, [--] engagements
"Many business owners leave $900k in a checking account. Don't be that person. Even if it's making a move to earn 4% interest that's still adding to cash flow in a net positive way"
X Link 2026-02-05T14:30Z [---] followers, [--] engagements
"2. What return do you want "A positive one." Yes we all do. But once you've decided on your timeline now you can choose your ideal risk. Lower risk - Bonds - Money Market - CDs (but I hate CDs) Higher risk: - Stocks - Real Estate - Alternative Investments Yes that's the same lineup as above which is designed to show you. https://twitter.com/i/web/status/2019418310752997751 https://twitter.com/i/web/status/2019418310752997751"
X Link 2026-02-05T14:30Z [---] followers, [--] engagements
"@rezoundous Can someone explain vibe coding to me like I'm 12"
X Link 2026-02-05T19:06Z [--] followers, [--] engagements
"@cryptofergani Every generation has their list. It's the ones that persist regardless who makes it through"
X Link 2026-02-05T19:12Z [--] followers, [----] engagements
"Most successful business owners are on the fast track to getting hammered with tax bills of hundreds of thousands of dollars by the IRS. When an owner sells their business theyre open to capital gains tax. This means youll be taxed at either 15% or 20% on all capital gains made from your business not including the ordinary income that youll be taxed on. Because of this its crucial to start planning early on. - Building up paper losses - Investing in accounts that leave strategies available - Getting serious valuations done on an annual basis from a third party Michael Jordan started his NBA"
X Link 2026-02-05T21:54Z [--] followers, [--] engagements
"Check out my thread on "direct indexing" I shared yesterday or two days ago. It basically comes down to this: with non-retirement accounts like a brokerage account one could build up paper losses over the course of years to fill up a bank of capital losses to help offset the capital gains from a business sale in the future. https://twitter.com/i/web/status/2019536478456672653 https://twitter.com/i/web/status/2019536478456672653"
X Link 2026-02-05T22:19Z [--] followers, [--] engagements
"We were at war with Nazi Germany in [----]. Our president was assassinated shortly after avoiding nuclear war with the Soviet Union only to be followed up with tens of thousands of college age men dying in Vietnam. Those are two random examples from [---] years of history. And now with no men on the ground in foreign nations the stock market near all time highs interest rates below 5%our future has never been more grim Oh pal there are podcasts for this. https://twitter.com/i/web/status/2019592998116311234 https://twitter.com/i/web/status/2019592998116311234"
X Link 2026-02-06T02:04Z [---] followers, [---] engagements
"@FluentInFinance Its been a few days. Lets give it some more time. Remember weve been flirting with all time highs under both Biden and Trump. This is almost a non-event at this point"
X Link 2026-02-06T02:05Z [--] followers, [----] engagements
"@jonbrooks Sentiment for the housing market is almost like the hidden hand of the mortgage rate. Good point"
X Link 2026-02-06T02:15Z [---] followers, [---] engagements
"@aryanlabde I think both are important but it depends on what you're selling. I'm in financial planning for people with millions of dollars so if I try to prospect them the same way a SaaS guy does I'm going to be barking up the wrong tree"
X Link 2026-02-06T16:30Z [--] followers, [--] engagements
"@BeardyBrandon Love it. You're going to get so many headwinds to this post but those who know will get you man"
X Link 2026-02-06T16:31Z [--] followers, [----] engagements
"@MrNQDC @JonLuskin Maybe. In this case though money is just going to flow wherever the tax avoidance allows however. For example nobody would ever do something like a qualified opportunity zone if it weren't for the tax benefit. The incentive to not pay tax really does shift so much"
X Link 2026-02-06T16:57Z [--] followers, [--] engagements
"Real estate and rental owners take huge advantage of deductions from their physical properties to lower their tax bill but for most that's where the understanding stops. Let me share two visuals that walk you through "depreciation" and why it can be so powerful for the right person:"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements
"Depreciation is all about taking "paper losses" from your rental without feeling the impact the same way you would by selling a stock or bond at a loss. The IRS acknowledges that buildings (not land) get worse over time and therefore allow you to take depreciation on them"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements
"It's not as simple as you get to choose how much you think the property has gone down by. There are fixed schedules and amounts you will be able to reduce on an annual basis dependent on: - Type of property - How much you paid for it - What form of depreciation you're taking"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements
"In this visual I share an example. As you'll notice the land value must be taken out before finding your "depreciable basis" but at times you can add renovations made to the property"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements
"Oh great question. I love the most boring ones because they can be repeated over time: - retirement accounts - health savings accounts But for business owners I like to make sure systems are there: - entity election that aligns with revenue - all expenses are accounted for and are timed right - qualified business income deduction is maximized There are so many great options once revenue is flowing"
X Link 2026-02-07T17:02Z [---] followers, [--] engagements
"45 year old business owner was referred in last week. Just sold his business. Owes $900k in taxes this April. Hurts. There are many things a business owner can do to eliminate a portion of their taxes owed to the IRS but it's all about getting ahead. You must plan for your sale years before you even receive an offer to make the most out of your sale proceeds. Don't believe me Ask any of your entrepreneurial friends. Everyone who has sold has at least one thing they would've changed. It's often around taxes"
X Link 2026-02-07T22:01Z [---] followers, [---] engagements
"Great question. Harvesting capital losses is a solid play in the right scenario but its often just the tip of the iceberg. If you really want to move the needle on the tax hit from a business sale you have to look at heavier hitters like strategic real estate plays gifting techniques and specialized trust structures. I'll continue to post more on these. https://twitter.com/i/web/status/2020310533547638817 https://twitter.com/i/web/status/2020310533547638817"
X Link 2026-02-08T01:35Z [---] followers, [--] engagements
"I thought the same thing. People forget businesses are "for profit" not there to make them happy. They provide us with a good or a service. We want their goods or services so much that we're willing to part with our money for it. Past a certain level we no longer see the value. Their goal is to find where this level is and push it over time through consistency and value. https://twitter.com/i/web/status/2020533312482058396 https://twitter.com/i/web/status/2020533312482058396"
X Link 2026-02-08T16:20Z [---] followers, [--] engagements
"@rohanpaul_ai Just wait until St. Joe County residents see their utility bills creep over time. Supply and demand is undefeated"
X Link 2026-02-08T16:23Z [---] followers, [--] engagements
"What's the worst tax advice you've ever been given"
X Link 2026-02-09T13:08Z [---] followers, [----] engagements
"This is a true and advanced one. Wealthy people hate taxes and still pay way more than they need to simply because they believe they'll always be in that higher tax bracket. It really is about future tax brackets but when your average tax rate is 25% above (average not highest) you need to do some serious thinking"
X Link 2026-02-09T16:41Z [---] followers, [---] engagements
"Owning a business with your spouse can be great but there are a few tax disadvantages that come along with it. When you earn a profit as a business owner you have self-employment or "payroll tax" regardless of whether you lower that profit through retirement contributions etc. Because of this your profits are taxed at 15.3% per spouse. And that's a big distinction to make. Let's run through it"
X Link 2026-02-09T17:06Z [---] followers, [---] engagements
"@BoringBiz_ Good take. "Out of sight out of mind." Not to mention much of learning is through osmosis. Being around the best naturally teaches you without having to ever sit down for a Zoom call"
X Link 2026-02-09T19:16Z [---] followers, [----] engagements
"Not true at all. His advice still works for most people in America just not when finances get complex. Does he still insist on mutual funds instead of ETFs Sure but thats a small bit. Either outpace inflation. His core message of eliminate debt learn to spend and invest regularly plays for most Americans. Calling it financial malpractice is just flat out wrong"
X Link 2026-02-10T02:32Z [---] followers, 15.1K engagements
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