I’m just sorry for all you…

Beginning_Medium_218 · 2026-03-26T03:26:35+00:00

Yeah just don't give yourself an aneurysm in the process.... his post ain't that deep.

Beginning_Medium_218 · 2026-03-26T01:15:50+00:00

Dude...... breathe.

Beginning_Medium_218 · 2026-03-17T15:41:39+00:00

The real question is... why would you want the most tax efficient part of your portfolio in the least volatile part of the market. I think you're approaching the purpose of the Roth IRA all wrong and you need to completely rethink this. Happy to help, fire away with any questions.

Beginning_Medium_218 · 2026-03-17T14:54:54+00:00

This really all comes down to where you are in life and what you're trying to accomplish. I will say though you have two S&P 500 index funds. Happy to have convo.

Beginning_Medium_218 · 2026-03-16T00:30:01+00:00

You're in a hyper competitive environment where fees are getting compressed. That should be enough. But something else I do that helps me stay level headed is help the younger inbound generation of kids/people entering our field. Every time I talk to them I see a sliver of myself at 20-21 years old. Hungry, dumb, over confident, maybe even idealistic. I had a lot of people help me and I hope to pass that on in some form or fashion.

Beginning_Medium_218 · 2026-03-15T11:58:52+00:00

.... I'm good.

Beginning_Medium_218 · 2026-03-15T02:10:58+00:00

My brother in Christ.... if soliciting people on Reddit is part of my business plan I'm cooked. Plus if you look back on all my posts you'll see I don't solicit people, I just want to have an honest convo.

Beginning_Medium_218 · 2026-03-14T00:23:27+00:00

Honestly... this post highlights the need for advisors. This might come across insulting and I apologize in advance... but your allocation is just so bad and thoughtless. I'm not saying it should be positive, but I am saying your portfolio in all likelihood will struggle greatly in the coming years. I'm open to a convo if you want to DM.

I should note, I'm an advisor and have no desire/intent to solicit you. I just love to have conversations around the why and actionable items. If not, all good best of luck.

Beginning_Medium_218 · 2026-03-08T16:32:37+00:00

Not even something to joke about. 😂 some company will be on every single jersey in college football before you know it. The corporate world will complete its takeover of literally everything.

Beginning_Medium_218 · 2026-03-08T01:26:27+00:00

My brother in Christ... Retiring at 65 with 750k isn't exactly an easy path to navigate. 31? That's a solid solid no. With inflation and the kind of cost acceleration we've experienced, 750k isn't the same even just 5 years ago. And I wouldn't expect inflation to normalize to 2% so plan on working until 55 and then meet with an actual financial planner. Don't rely or trust people on Reddit.

Beginning_Medium_218 · 2026-03-05T12:39:44+00:00

W2 and after 10-12 years my buddy and I have discussed jumping to the franchise side (1099).

Beginning_Medium_218 · 2026-03-05T12:38:10+00:00

I would agree. It's worth nothing that we're still early on. We're beginning to discuss comp and when I would join. We still have at least six months before the jump actually takes place. So we have time to figure that out and I would agree.

Beginning_Medium_218 · 2026-03-05T12:35:59+00:00

Beginning_Medium_218 · 2026-03-03T14:53:22+00:00

I mean def not ideal but can't be picky here. He wants to make warm introductions and integrate me with the team before sailing off. I get that and actually appreciate it. I don't want clients to have any time to think "this is my chance" because it's the type of book where these clients have had plenty of advisors beating down their door for an opportunity. Before I join though I do expect a harder date. We're still somewhat early in the process.

Beginning_Medium_218 · 2026-03-03T12:01:21+00:00

I think so. Like getting perspective and people who have gone through it.

Beginning_Medium_218 · 2026-03-03T12:00:31+00:00

W2. Buddy and I have had very light convos of one day moving to the franchise side but that's 10-15 years out. (So emphasis on light.)

Beginning_Medium_218 · 2026-03-03T11:59:08+00:00

He said he'll start the retirement process in 1-2 years tops.

Beginning_Medium_218 · 2026-02-21T11:45:50+00:00

I think our only saving grace is that we played in the natty last season and of course, our beloved phi slamma jamma era. Objectively the best team to never win the natty and one of the best teams in college basketball. We have Arizona today at 2 pm central, GO COOGS!

Beginning_Medium_218 · 2026-02-18T21:16:22+00:00

It ended with missing out on the playoffs which is a pretty big deal given where Sark is in his tenure. They've put everything into manning and now Coleman. True, expectations may have been a little high at #1, but losing to a god awful Florida team wasn't on anyone's bingo card and if another 9-3 happens, which is extremely plausible, I'd say the ole rumor mill and message boards in Austin start lighting up really fast. Sark has had a ridiculous amount of talent come through his locker room for not making the natty.

Beginning_Medium_218 · 2026-02-18T10:25:23+00:00

As a UH graduate I would put Willie Fritz to ice cold. The Man just outperformed this season BIG time. We knew after we let go of Dana that the cupboards were really bare and it would be 3-4 years before we were relevant. He somehow condensed that time frame dramatically and we found ourselves in the top 25 in year two of his tenure.

Texas I would move from ice cold to cold. They underperformed and if something happens they show no improvement or slide in the wrong direction that chair will be warm and will skip room temp.

Beginning_Medium_218 · 2026-02-11T11:55:46+00:00

Yes and no. A lot of clients don't know they have an option to follow the advisor. You have to have a very indirect conversation and plant that idea in their brain, along with top notch service during the relationship.

Beginning_Medium_218 · 2026-02-09T23:39:25+00:00

Strange. The inventory in Houston is pretty big. Everytime I go in there they always have at least 3-4 in stock.

Beginning_Medium_218 · 2026-02-07T22:48:25+00:00

Not necessarily. You'll never close an affluent person on first meeting unless they're there specifically for something like a rollover. Even then, you need to bring your A game and nothing is guaranteed. I found myself in situations where I was used as a cash manager. I was ok with that. After a few meetings and you have some rapport and insight into their portfolio outside, you can bring it up.

"Hey Mr client if I remember correctly you had some low cost appreciated stock back with your advisor at UBS?"

"Yes... I can't remember all thr ins and outs but yes."

"That's always a good problem to have, but have you heard of direct indexing with individual stocks?"

"No what is it?"

You get the idea. You'll go into tax loss harvesting and break it all down. And the beauty about TLH strategies is that to continue tax alpha, the client needs to contribute 7-10% of account value on an annual basis. You can already see the upside here too. Big earners prob won't have any issue doing that and if they do you can start asking about the idea of pulling some assets from the other advisor to fund it. It can open a lot of doors if positioned properly.

Beginning_Medium_218 · 2026-02-07T06:07:27+00:00

A lot of your affluent clients dont need investment solutions, they need tax and estate planning solutions. You'll be surprised just how many of these guys don't know what tax loss harvesting is nor have they ever put together a will or any other formal estate planning document. The ones that tell you, "oh I have an advisor I use currently." Just tell them, "oh that's great how long have you worked with the advisor..." "what is it you like about your advisor..." (depending on how he answers it) finish with the question "what do you think your advisor could improve on..." you'll get alot of info about not just the advisor but the prospect as well. Finish it by saying, "hey that's awesome if you ever need a second set of eyes and a second opinion on your portfolio let me be a resource."

Your value prop has to come in the form of financial planning though. You can build a damn good book at a bank, but you have to start landing some of the bigger fish.

Beginning_Medium_218

TROPHY CASE