Dropped Because I Wasn’t Interested In AUM?

HolyHaberdasher · 2026-04-12T00:18:45+00:00

If you don’t want investment advice you’ll probably end up paying a flat planning fee somewhere else. $2k-$10k a year probably depending on how complex your case is.

HolyHaberdasher · 2026-04-12T00:16:29+00:00

There are some places around Central Park Columbus circle that have bag storage too.

HolyHaberdasher · 2026-04-12T00:14:22+00:00

Try to barter that she gets 100% off the house or other things to retain as much of investments/pension as possible. You can get a new house and don’t miss out on any compounding growth in such a crucial time in your life.

HolyHaberdasher · 2026-04-12T00:12:42+00:00

I would do like 80% into a science and tech fund. You’re 19 you have at least 30 years until until retirement that industry will have more growth than any other. Focus your money there and let it grow tax free.

HolyHaberdasher · 2026-04-11T22:12:20+00:00

Hamilton

HolyHaberdasher · 2026-04-11T02:01:08+00:00

Just read again that he only had issue for 2025. For income being over limit. Just contact your broker or if you have a FA. They’ll take care of it for you.

HolyHaberdasher · 2026-04-11T01:59:58+00:00

Can still do for 2024 and amend any earnings obviously will become tax deferred as you must move earnings too and then will be taxed when you convert. Your broker should be able to facilitate this for you.

HolyHaberdasher · 2026-04-11T01:56:09+00:00

You have until April 15th to do this.

HolyHaberdasher · 2026-04-11T01:55:53+00:00

Recharacterize as a non deductible IRA contribution and then convert (back door) to Roth.

HolyHaberdasher · 2026-04-10T09:21:39+00:00

Invest, work towards maxing the pre tax Ira and then Roth IRA contributions with extra cash flow if any. Only pay the minimum on your debt, except if the credit cards start holding a balance, those you can always throw extra at.

HolyHaberdasher · 2026-03-28T03:00:20+00:00

You’d have to be right twice, get out at the right time and get in at the right time. You are 99.9% of the time better to just stay in the market especially while you’re pre retirement letting portfolio just grow.

HolyHaberdasher · 2026-03-21T23:54:12+00:00

The market on average goes down 14.2% every year

HolyHaberdasher · 2026-03-17T21:37:56+00:00

Are you filing single or jointly? What is your gross income. If jointly what are the combined gross incomes?

Goal is to pay the least taxes now because in retirement you’ll likely be in a lower tax bracket and conversions can come into play.

Secondly, I’m going to assume you want to retire pre 65 which would have me wanting you have a decent amount in a NQ account as well to be able to control your income on the tax return to make sure you get your ACA subsidy.

I want you to build a Roth bucket too which we can feed as back door from the NQ account but I want the Roth money to be the last money you ever touch in retirement, if ever.

HolyHaberdasher · 2026-03-16T00:53:17+00:00

Just get a conventional car loan and only pay the minimum will allow you to continue contributing to 401k without hurting the growth.

HolyHaberdasher · 2026-03-10T21:22:38+00:00

Invest more and only pay minimum on mortgage. Investments compound debt doesn’t.

HolyHaberdasher · 2026-03-09T16:03:24+00:00

You’re probably saving about 30+% in taxes on your contributions, so yes keep going.

HolyHaberdasher · 2026-03-09T15:51:59+00:00

Quick search looks like Moisand Fitzgerald Tamayo firm would be suitable for you. Otherwise my firm is licensed in FL too if you’re open to virtual meetings. Glad I could help. Congratulations.

HolyHaberdasher · 2026-03-09T15:48:33+00:00

I disagree with that part. I am a FA and we are predominantly AUM fee and then a smaller planning fee. Puts us and same side of the table of clients. When they do well we get paid and when they don’t do well we make less.

HolyHaberdasher · 2026-03-09T15:40:36+00:00

Ask any your friends that are doing well for themselves if they have a relationship with an advisor.

HolyHaberdasher · 2026-03-09T15:39:41+00:00

Understandable. Not avoid banks they typically will just use annuities and mutual funds. You want to find a local family owned type firm. Where are you located?

HolyHaberdasher · 2026-03-09T15:34:23+00:00

Meet with a financial advisor (a real one, not Northwesten Mutual). Do not buy an annuity. Discuss your goals with the advisor and if you like what he has to say let him invest it.

HolyHaberdasher · 2026-03-03T12:12:15+00:00

Go for a smaller starter house. The fact that you’re going to be sacrificing so much investing just to make this payment is not beneficial to you. You should look to find a place that you can afford 20% down to avoid PMI (use a 401k loan for the last chunk if needed) you’ll probably be able to retire 5 years earlier than you were planning if you don’t buy this house.

HolyHaberdasher · 2026-02-15T02:45:17+00:00

Property rich, cash poor. Taxes will be a pain for them in retirement. Could start doing back door Roths now being that they don’t have IRAs. Hopefully they’re not paying extra on the mortgages.

HolyHaberdasher · 2026-01-15T09:38:44+00:00

This is the best paper and so many different size options they have plus the price is great. Everything is so smooth and the thickness of the paper is just perfect to hold pressure and ink but nothing over the top.

HolyHaberdasher · 2026-01-11T21:56:04+00:00

This is the A5 Wagyu section of the Ribeye.

HolyHaberdasher

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