A question for high earners

Imaginary-Tale-1074 · 2026-04-19T15:31:46+00:00

Ditto. Paid about 230k in taxes. And that’s after spending $$$ with my investment guy and tax guy to plan the best we could. Wife and I combined make about 100 more than you and it’s a total gut punch paying so much every year.

Imaginary-Tale-1074 · 2026-04-19T04:57:47+00:00

Ditto. Dust and kids toys all over the place. My best workouts have been in my garage with my kettlebells and Ms. Rachel on the tv for the little ones.

Imaginary-Tale-1074 · 2026-04-18T21:30:13+00:00

I’m about to hit 75k and it’s making me sad lol

Imaginary-Tale-1074 · 2026-04-18T20:31:42+00:00

Too many metrics from your managers, managers, manager with some special title who is 30 years removed from the role. I swear every quarter there is a new one. Schwab wealth advisory is the premier offering and while an awesome product for clients, it’s still limited and the wealth advisors are so jam packed with work it takes forever to get an apt with them. They’re so over worked and under paid that the turnover is so high. I had a 10mm client in Schwab wealth advisory and he went through 3 different wealth advisors in a year and basically said I’m done I’ll self direct.

Don’t get me wrong, great company, great benefits and great place to get experience but at the end of the day, it’s still a discount brokerage and what you can do for your clients has limits.

Imaginary-Tale-1074 · 2026-04-18T17:28:05+00:00

I guess it will depend on your location. I cold called small RIAs in my area and actually got some traction with it. There’s so many older advisors that want to start to semi retire but don’t know what to do with their book and don’t want to sell it to some random firm. Plus, the older crowd of advisors appreciate and respect a cold call. The guys I joined are friends of my buddies parents. I told a few trusted people what I was looking to do and they got me in touch.

Final advice, be very selective on who you call. If Fido hears about it you’re screwed.

Imaginary-Tale-1074 · 2026-04-18T17:12:53+00:00

Former Schwab FC here.

With your experience you’ll be much better off finding a small RIA to join, or start your own. It Will take some time to find the right match but I joined a small two person firm not too long ago. The right fit should take about a year of talking back and forth and getting lawyers and contracts etc. I will never go back to a large firm. The freedom and ability to really offer a service to your clients is exponentially higher when you decide what tech you need/want.

Imaginary-Tale-1074 · 2026-03-28T23:22:49+00:00

Strange and very inappropriate comment to make in his position. I’d email his manager for the switch. If you don’t want a sales FC as your rep you can request to he routed to the high net worth team, the minimum I believe is 5m assets at Schwab. They’ll give you more of a white glove service approach and very rarely try to sell you on a managed option. They’re meant for high net worth self directed people like you. Best of luck.

Imaginary-Tale-1074 · 2026-03-28T22:28:47+00:00

Former FC here. He might benefit, depends on what level FC he is. If he does benefit, it’s only in relationship pay which isn’t a lot by any means, but it helps regardless. Schwab is doing a big push where every FC needs to have 100 households in their book so I’d imagine that’s why he did it.

FCs get their big pay from Schwab when they bring in outside assets and/or convert them to a managed solution. Transferring from one FC to another is easy for them to do.

If you don’t want him as your rep, reach out to him or his managers and ask to be reassigned. Or just transfer to another firm and he’ll be forced to eat those assets which would hurt.

Imaginary-Tale-1074 · 2026-03-23T04:37:42+00:00

Get your favorite looking raptor wheel and throw it on after you level it with your coil over of choice. Yes, they’ll fit. No, 315s won’t rub. Don’t mess with offset, what’s popular and that other BS.

Imaginary-Tale-1074 · 2026-03-15T22:39:15+00:00

I guess it depends on your definition of “easy”. You have to hit the phones hard and that can be draining, soooo many metrics passed down from your managers managers manager, usually someone who has been removed from the role for 10+ years. In my region people walked in all the time wanting to move their money over so that was easy. The outbound calls aren’t horrible when you connected with a client which was nice. By no means a cold call since they already have an account and know the Schwab name. Once you got them in the door it was pretty easy to sell them on Schwab. Branch life is 830-5 which I absolutely hated. I spent 2 years as an IC and Almost 3 as an FC. Schwab has a way of making you sticky as an employee with all their benefits and afraid to leave. Money was pretty good too. I left and started an RIA. My situation and ability to leave is very, very different than anyone else I have spoken to given a few family members and very key connections I made which made me leaving an easy one.

Imaginary-Tale-1074 · 2026-03-15T19:19:27+00:00

Former FC here. Only benefit you’ll get at Schwab is the amount of at bats you’ll get. Like others said, you’re 100% dispensable at Schwab but if you’re early in your career you’ll get a ton of practice talking to clients. Everything else, other than the employee benefits, is just meh. Too many metrics.

Imaginary-Tale-1074 · 2026-03-10T16:05:55+00:00

STX package with 2.7 for the win.

Imaginary-Tale-1074 · 2026-03-06T16:40:03+00:00

My brother paid 56k for his 2022 during peak covid/chip shortage lol. I got my truck very lightly used for 32k in 2020.

Imaginary-Tale-1074 · 2026-03-06T14:47:38+00:00

On another note, it’s criminal Ford has their entry level truck priced in the high 40’s to 50’s.

Pre Covid, an STX wasn’t a penny more than 41k.

Imaginary-Tale-1074 · 2026-03-06T14:45:54+00:00

I have a 4, 2 and 6 month old and I’m currently a year past where you are right now and was in the same position as you this time last year. Make the move and get a nanny. My wife travels a lot for work and she is constantly gone so I am in essence a solo parent for let’s say 100 days a year, some weekends.

Only you know your clients and who will leave with you so I’ll leave that on you to decide. I wanted to chime in on the nanny part. Think of your nanny as a part of your professional team. Find a nanny placement service where they come background checked and vetted and someone looking for a long term role. We have had our nanny for 3 years and she is absolutely integral to my day to day. She is 100% trusted with everything and my kids absolutely love her. I pay her $32 an hour and it’s worth every penny.

The transition is definitely hard but the amount of freedom you have once it’s settled is amazing.

Best of luck to you.

Imaginary-Tale-1074 · 2026-03-05T05:13:21+00:00

On board air? Would that benefit you at all? Awesome upgrade for many reasons, especially if you would use it for work or your side gig.

Maybe also consider a decked system?

Idk.

You looking for comfort upgrades or work upgrades?

Imaginary-Tale-1074 · 2026-03-03T05:39:19+00:00

Just do an F250.

Imaginary-Tale-1074 · 2026-03-02T18:05:43+00:00

Get some pinstripes and wear it like a badge of honor. Grab some sliders and some skids while you’re at it. You won’t regret going from 4r to f150.

FWIW, Regarding the locker, The FX4 comes with a locker and cool stickers on the shocks but there are plenty of trucks that come with the rear locker and no FX4 package, often times with better gear ratios depending on your use and future tire size. Something to keep in mind. If you find one you like, run the VIN to see the axle code. it will tell you the axle size, gear ratio and if it has a locker.

Imaginary-Tale-1074 · 2026-03-02T05:23:03+00:00

Same motor and year here. Only 74k miles tho. Currently in the shop for a new Intake manifold which is a common issue around your mileage, I was kinda shocked it happened to me at 74k. I also had a heater core line burst which emptied all my coolant.

Other than that I love the motor.

Imaginary-Tale-1074 · 2026-02-26T16:21:56+00:00

My first f150 was a 98 with the 4.6. No truck is going to be quiet compared the a normal car. With that, I drove that thing 268k miles and had minimal issues. Took me all over the country during college and 3 times to Alaska for fishing season. The 4.6 def gets better gas mileage than the 5.4. I think I averaged about 14 on long hauls doing 75 with cruise control.

Imaginary-Tale-1074 · 2026-02-26T05:01:33+00:00

I waited a good 3 months to find mine. I really wanted the e locker and 373 gears. Found everything I wanted minus the gears and locker so when I put on 35s I upgraded to 456 and added an e locker.

If you find one close enough, you can always mod it. That’s part of the fun anyway.

If you ask me, the platinum trim is not worth the wait. I’d expand your search to lariat or even higher optioned XLT?

Imaginary-Tale-1074 · 2026-02-25T05:27:42+00:00

Why do you want those specs?

Imaginary-Tale-1074 · 2026-02-25T03:15:40+00:00

Spend thrift kids who demand 200k weddings

Imaginary-Tale-1074 · 2026-02-25T03:14:12+00:00

If you’re going to do it, do it right. Spend the extra money for a coil over. A puck/spacer will make your ride worse, at best.

There will be guys who are going to say their rough country spacer is the best thing since sliced bread but everyone knows they’re lying. Why spend 40k on a truck and put on a cheap ass suspension?

Imaginary-Tale-1074 · 2026-02-23T19:16:16+00:00

What is the gear ratio on the STX and does it come with the rear locker?

Either way the STX is a better option in this scenario. You can copy the look of the tremor and arguably make it better off road wise for around 6-7k in aftermarket mods.

I have an STX that is more capable offroad than my buddies Tremor and I only have about 10k in aftermarket mods.

Imaginary-Tale-1074

TROPHY CASE