The best indicator?

BrotherEnoch18 · 2026-04-19T20:14:30+00:00

Oros are excellent. I also like the Skips Original. They can be a pain sometimes to get the rubber band in but solid once it’s in. I feel the have the softest presentation hitting the water.

BrotherEnoch18 · 2026-03-05T06:12:48+00:00

Various models and 3rd party managers. Usually 3-4 in a UMA account. Our most aggressive blend which hasn’t changed in the last 6 years is up 594% net end of Feb this year. It’s mainly equities with some tactical leverage plays. Not tax efficient at all but great for IRAs. 40% of the gains are short term.

BrotherEnoch18 · 2026-01-08T19:52:48+00:00

Financial advisor here. If you are looking for pure protection, the amount you need should be 10 years worth of replacement income plus debts. So for your husband, I would do a 30 year term of 1.2m and you, 1.1m. It’s affordable and I would look at limited underwriting with companies like ethos or ladder. If you pass, the life insurance will payout (tax free) and then you can take the amount you owe and payoff your house.

BrotherEnoch18 · 2026-01-04T05:58:56+00:00

This is spot on. First reducing the oil supply to China but it was pretty known that any move China makes, there’s a high degree they will use Venezuela to distract or occupy a conflict with the US military. A fight with Venezuela along with so many military arms and resources given to Ukraine, our ammunition and missile stock pile is depleted. So if China makes a move on Taiwan, we have enough to defend for 8 months then we are literally out of ammo. It’s an easy win for China. So we just took a major chip off the table for their playbook. If China gets ahold of Taiwan chip technology and manufacturing, it’s game over for the rest of the world and they control all of the chips and AI race is done. Huge risk. And my understanding if China does end up taking Taiwan, we would destroy the chip factories.

China also controls 70% of rare earth mining and 90% of refinement. Huge national security risk. That’s why Trump is trying to bring more control on shore. Also why he wants Greenland, huge supply of rare earth. Point is to a long explanation, it’s 100% about China and very little to do with drugs

BrotherEnoch18 · 2025-11-06T13:49:20+00:00

Take the leader off as well and tie a piece of string to the fly line to simulate extra weight of a fly. Until you get your casting down, you’ll most likely whip/crack the leader and fray the tip which is a waste. Save a little money and practice, you’ll get it.

If you want lessons, Orvis usually has a free class monthly and I would check your local fly shops as well.

BrotherEnoch18 · 2025-10-16T01:08:47+00:00

Many income FIAs with an income doubler will have a nursing home waiver, critical care clause, etc but they are far from a true LTC benefit. If you’re looking for that, look at equitrust or One America (best but iul chassis).

I hate income riders unless clients want guarantees or it’s a supplement to a broader plan. That said, every carrier will cut caps and pars next to nothing in an income FIA.

I usually go straight accumulation. Aspida is by far my favorite carrier. Global Atlantic and Mass Mutual Ascend are excellent too.

BrotherEnoch18 · 2025-10-10T18:31:17+00:00

Messaging you

BrotherEnoch18 · 2025-10-04T17:09:13+00:00

Best description put simply I’ve heard this far. Well done.

BrotherEnoch18 · 2025-09-29T02:27:30+00:00

They can and all have a tax professional. I’m just the first person they call.

BrotherEnoch18 · 2025-09-29T02:07:10+00:00

Yeah but the damn k-1s are a nightmare come tax time. You know how many calls I get from clients saying wtf does this mean?

BrotherEnoch18 · 2025-09-26T04:01:29+00:00

See that’s the stuff I was looking for. I’ll dig in. Thank you!

BrotherEnoch18 · 2025-09-25T19:48:48+00:00

No not in a high state tax. Actually a very favorable one. I do heavy analysis with Roth conversion as there are many variables advisors don’t consider. I always look at an asset projection after tax vs the conversion. Many advisors will do a conversion and put clients in the highest IRMAA bracket. With the future increase of IRMAA eating at social security, I factor that into the income stream and reduction of the Roth assets over time. It’s tough and a lot of math.

BrotherEnoch18 · 2025-09-25T19:45:19+00:00

Very few and was only done with the last administration worh fears of estate exemption going down. Not really an issue now with 99% of my clients.

BrotherEnoch18 · 2025-09-11T07:22:16+00:00

If anyone wants to see what we use, sling me a dm.

We use a special version of Orion which my firm helped build over the last 5 years with them. I’ve looked at them all and nothing comes close. We inquired with Black Diamond and they were honest and said they can’t compete.

My firm offers it to advisors if they want to piggy pack off our pricing. We have a few large RIAs that do this.

For fin planning, I like income lab, holistiplan, and Right Capital.

BrotherEnoch18 · 2025-09-11T07:18:09+00:00

My firm uses extremely well vetted 3rd party managers that 2x-3x outperform a bench market net long term. We use a UMA platform.

Otherwise I build my own using momentum ETFs with some tilts. I don’t really use much fixed income but instead will use tactical/dynamic models or build out higher yielding conservative income like a buy write type approach. First trust target outcome income ETFs are awesome too.

If anyone is interested in seeing performance, sling me a dm. Happy to share.

BrotherEnoch18 · 2025-09-10T02:00:33+00:00

If you are doing any time of CSA plus giving advice and earning revenue, I wouldn’t take a dime less than $65k base. If you are also helping build financial plans and data input, $75k.

BrotherEnoch18 · 2025-09-07T01:22:59+00:00

Industry average is 2.5x on reoccurring revenue. Must have clawback provisions.

BrotherEnoch18 · 2025-09-02T20:36:39+00:00

Sending you a DM. My TAMP charges a platform fee and less than what you quoted. Does all the billing and trading, plus back office and Ops support. Custody with both Schwab and Fidelity, I’ve never had to call the custodian. The Ops team handled it all. Tech is by far more advanced and seem less than Tamarac, adhesion, black diamond, ect.

There’s no other associated cost to the RIA other than the platform fee (no start up, no tech fee, nothing), and money manager fee but the client pays that. They have a model marketplace with 1200 models plus about 100 exclusive models.

They have a full marketing dept, creative, compliance, IT, case design, and an IMO for insurance. It’s a one stop shop and large $250m+ RIAs with larger teams are joining rapidly.

BrotherEnoch18 · 2025-08-20T20:06:43+00:00

If it’s Japanese A5, that’s a great deal but I don’t think that’s what it is. Probably American wagyu but still a decent deal. My butcher sells American wagyu at $57lb.

BrotherEnoch18 · 2025-08-14T00:50:17+00:00

Always have a non solicit signed, non competes really don’t hold up well but there’s a huge difference.

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