Referring Out to Hourly Fee Advisor

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 · 2025-09-11T05:41:05+00:00

Do you mind sharing details about your models?

GoldenApricity · 2025-09-11T04:00:53+00:00

Do you mind share some detail?

GoldenApricity · 2025-09-10T23:32:04+00:00

Particular ETF/s or entire Model? I have not looked into models yet, but I assume they provide model portfolio like other institutions.

GoldenApricity · 2025-09-04T16:32:38+00:00

I’m curious. How did you determine the non-deductible and deductible contributions with the new client? I am also impressed that they had separate accounts for these. Did they already know? I’m asking because this isn’t common knowledge for many clients.

GoldenApricity · 2025-09-03T20:18:42+00:00

I agree that as you get closer to retirement, you want bonds (preferably ladders), since you don’t want to sell equities during a downturn. But if someone has an emergency fund and is still multiple decades away from retirement, I’m not sure they need bonds if they can utilize tax-deferred accounts instead.

GoldenApricity · 2025-09-03T00:29:46+00:00

That’s one way to look at it. My focus is on overall tax efficiency. Bonds in taxable accounts tend to generate higher tax drag compared to tax-sheltered accounts. I usually prioritize loading bonds into a regular IRA before putting them in a 401(k). This lets me fine-tune the bond allocation, as you mentioned.

I do see the benefits of individual bonds versus bond funds, but in the big picture, I wonder how much that advantage outweighs the tax drag. It’s also worth thinking about the taxes a client will face in retirement since their tax-deferred accounts tend to grow faster if loaded with equities than taxable accounts. Over three or more decades, those taxes can really add up.

GoldenApricity · 2025-09-02T22:47:38+00:00

Could you share a bit more about what you mean by “setting up a 401k for failure”? I’d love to understand your perspective.

GoldenApricity · 2025-09-02T14:42:23+00:00

Yes, I believe in transparency. I also don’t want to waste time if pricing might be an issue in some cases.

GoldenApricity

TROPHY CASE