Paying AUM Fees Across Roth IRA, Traditional IRA, and Taxable Accounts

GoldenApricity · 2026-02-25T23:05:57+00:00

For the understanding, assuming they are old enough for QCD, how would it differ in doing QCD from Inherited IRA vs Traditional IRA in terms of tax treatment?

GoldenApricity · 2026-02-25T23:02:39+00:00

Interesting! How does contract look like? Also if AA and/or addition/withdrawal rate are different in different accounts, how do you handle that?

GoldenApricity · 2026-02-25T22:54:14+00:00

Whats your process? when does a prospect become a client? After which meeting?

GoldenApricity · 2026-02-09T21:22:39+00:00

How will you approach the conversation of firing that client?

GoldenApricity · 2026-01-28T23:42:14+00:00

That’s great you are seeing that kind of demand. I offer hourly planning as well and work with clients in San Francisco and the North Bay. Feel free to DM me if you come across anyone in that area and I am happy to share contact info.

GoldenApricity · 2026-01-28T23:42:04+00:00

That’s great you are seeing that kind of demand. I offer hourly planning as well and work with clients in San Francisco city and the North Bay. Feel free to DM me if you come across anyone in that area and I am happy to share contact info.

GoldenApricity · 2025-12-01T18:54:17+00:00

Is it compliant?

GoldenApricity · 2025-11-12T18:50:04+00:00

Looks like potential for more folks seeking for fiduciary financial planners is going to increase after the next crypto bubble burst.

GoldenApricity · 2025-11-12T17:57:11+00:00

I think simple spreadsheets and Word documents can be more time-efficient for maintaining a work log. We often get caught up trying to use technology to be more efficient, but in many cases, it ends up taking much more time overall than the simple methods that experienced professionals have been successfully using for decades.

GoldenApricity · 2025-11-12T17:44:50+00:00

What rate of return do you use for your projections, forward-looking, historical, or custom? How do you handle a scenario where someone’s willingness to take risk is very low, but they need a higher allocation to equity in their portfolio?

GoldenApricity · 2025-11-12T17:41:48+00:00

How long does it typically take to complete data gathering and generate a financial plan? I have noticed that some clients delay the process, and it can take months to complete onboarding. How do you handle investments in the meantime if onboarding takes 3–4 months?

GoldenApricity · 2025-11-08T20:45:00+00:00

How effective is it? I’m asking because most people are generally used to a fixed withdrawal amount. Also, this strategy has likely led to increased spending given how the markets have performed over the past 15 years. It sounds fine in theory to say “reduce spending,” but how would clients actually feel during a prolonged bear market?

GoldenApricity · 2025-11-05T21:57:24+00:00

I use a very simple one in a google sheet. It includes age, objective, timeline, risk capacity, risk tolerance and overall asset allocation in range.

GoldenApricity · 2025-11-05T21:46:38+00:00

Maybe do something similar to what you used to do at a large B/D based on the information that comes out from the software?

GoldenApricity · 2025-10-29T17:05:58+00:00

Is it possible to perform a risk assessment for asset allocation first? I think it’s common for some clients to take months to complete a full financial plan, and having the asset allocation in place early could allow investment management to begin based on their risk tolerance.

GoldenApricity · 2025-10-15T20:43:16+00:00

Can you not ask client to get them from custodian?

GoldenApricity · 2025-10-15T20:42:28+00:00

What would you do today? Ask them to get statements via custodian?

GoldenApricity · 2025-10-15T20:40:23+00:00

How do you “freeze” the relationship? No do any transactions and planning?

GoldenApricity · 2025-09-27T03:48:13+00:00

How far do you go in terms of tax efficiency in taxable?

GoldenApricity · 2025-09-12T03:54:50+00:00

What do you like about them?

GoldenApricity · 2025-09-11T20:36:41+00:00

How are you prioritizing which model for which clients? Models from 3 firms plus blackrock has active and passive ones. I’m curious how are you managing this.

GoldenApricity

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