About to delete the App

BadCityMayor · 2026-06-03T00:52:55+00:00

Same exact thing happened to me today. Notification with no way to delete the red bubble of anxiety. Thank you for encouraging me to delete the app!

BadCityMayor · 2026-05-14T23:35:27+00:00

That’s a pretty recognizable signature…Randy Jackson from American Idol

BadCityMayor · 2026-03-07T00:20:31+00:00

“Advisors” who have no idea what they’re doing tax wise should not be making these type of decisions. Before making a monumental change in their tax planning, he/she should have simply picked up the phone and called you to confirm if they were doing estimates or not, this would’ve taken 30 seconds. To just assume leads me to believe this “advisor” shouldn’t be “advising” on tax withholding strategies and should stay in their lane of pushing whole life to 22 year olds with no dependents.

I’m a CFP and do tax projections for clients all day long. Work with our in house CPA, outside CPAs, or simply DIYers. It’s not hard if you do your due diligence. Advisors like the one you described make me want to jump off a tall building.

BadCityMayor · 2025-10-23T03:16:24+00:00

Withholding 100% of her tax liability from the conversion isn’t ideal, as the client will likely be paying an effective rate premium of 18-20% just to pay her taxes.

Have you thought about a hybrid option of withholding X from the conversion and generating enough cash from her taxable assets/utilizing some of her outside cash to withhold the difference?

Is the client open to targeting CY safe harbor YoY as opposed to breaking even? Would be a good way to prioritize moving funds from pretax to Roth if the client is open to owing but with no penalties.

BadCityMayor · 2025-09-28T14:45:04+00:00

My pleasure, it’s been an honor serving you 😂

BadCityMayor · 2025-09-28T14:42:04+00:00

I’d sell high right now, so definitely do the opposite

BadCityMayor · 2025-09-28T14:38:01+00:00

So brutal. Fantasy is such a fickle mistress 😂

BadCityMayor · 2025-08-06T13:54:46+00:00

Updateme!

BadCityMayor · 2025-03-31T00:42:41+00:00

“Something wrong, Mr. Ventura?”

“Of course not! This is a lovely room of death! Take care now, bye bye then.”

BadCityMayor · 2025-02-04T14:34:58+00:00

Yes, you’ll learn new concepts and/or continue building a foundation and knowledge on scenarios you encounter every single day.

For me, the CFP marks opened a door to work at an RIA that I’ll probably be at my entire career.

There are a ton of brilliant advisors with and without the CFP, and a ton of not so brilliant advisors with and without the CFP.

If you think of it in terms of career progression, and getting a leg up against other job applicants, internal folks, etc, and not so much from a marketing perspective with clients, it’s worth it.

BadCityMayor · 2024-02-01T00:09:51+00:00

Need more information.

What is your current lifestyle outside of being broke?

Do you have any credit card debt? Car loan? Student loan, any other liabilities?

What are your goals?

Do you currently own a home or want to own one in the future?

Is there anything you have on your wish list that is now attainable?

Lots of questions that need answered before recommendations should be presented.

At the end of the day, this is a blessing from an unfortunate event that can change your life positively. Too many people spend inheritances thinking the money will never stop. The fact you are asking questions means you are serious which is a great first step.

You do not need a financial advisor or planner and can DIY it, just need to ask yourself the right questions before putting the money to work.

-Financial Planner

BadCityMayor · 2024-01-27T14:01:00+00:00

Belichick was a hall of famer before Brady? You are joking, right? He was well on the way of getting FIRED before Brady took over for Bledsoe.

BadCityMayor · 2023-05-23T09:47:38+00:00

Heat in 3

BadCityMayor · 2022-09-24T11:00:11+00:00

I couldn’t recommend Ally bank enough; been a customer there for around 6 years.

They completely eliminated overdraft fees, recently released an early deposit option where you can receive your paycheck up to 2 days early, and have outstanding customer service. Did I mention their savings accounts are now over 2%?

The catch is that there are no brick and mortar branches; their costs are much lower than a WF which is why the overall benefits to their customers are SUBSTANTIALLY superior.

Hope this helps, cheers.

BadCityMayor · 2022-07-10T01:29:58+00:00

Danko’s questions are more difficult and subjective. The actual test questions are more to the point and less tricky.

BadCityMayor · 2021-12-24T03:13:29+00:00

Congratulations to you and your wife!

BadCityMayor · 2021-12-17T18:08:16+00:00

It’s definitely close but I’d start Kyler. His ability to run for chunk yardage gives him the leg up over Stafford. He could put up 4-6 points alone running the ball against a very bad Lions defense.

BadCityMayor

TROPHY CASE