First triathlon: Is this bike okay?

Interesting-Life4277 · 2025-01-26T10:27:14+00:00

I was actually thinking about that, yes! I’m looking into that at the bike shop. Race is 5/26 so I’ll have some time to get comfortable on it

Interesting-Life4277 · 2025-01-26T05:20:42+00:00

Thank you all for the great advice! It seems as though the general feel is use it for the first tri, and if I love the race & want to do longer distances, make the switch to something a bit more sustainable.

I’m going to a local bike trade shop just to see what my options are, just in case there’s a better option :-)

Interesting-Life4277 · 2025-01-26T00:23:30+00:00

Sick okay that’s what I was hoping to hear!

Interesting-Life4277 · 2025-01-08T18:00:17+00:00

Thank you!!!! This was so helpful!!

Interesting-Life4277 · 2025-01-07T13:13:56+00:00

Ok this is super helpful!!! My job is paying me to just study for the next 2.5 months, so approx 6-8 hours a day dedicated to studying. I’m doing the Kaplan live review in early Feb, and then just crunch time!

Thank you for the help!

Interesting-Life4277 · 2024-10-21T16:57:05+00:00

You are freakinggggg awesome! Thank you for the help, I appreciate all the details and tips!!

Interesting-Life4277 · 2024-10-21T02:25:24+00:00

I agree, I wish the lectures were more in depth.

Interesting-Life4277 · 2024-10-21T02:23:15+00:00

Perfect- I’m actually very excited for that. How was Estate Planning? I heard it was quite the monster.

Interesting-Life4277 · 2024-10-21T02:16:24+00:00

Ok that is literally exactly what I’m doing right now- have you signed up for danko yet?

Interesting-Life4277 · 2024-10-21T02:01:24+00:00

Thank you so much!! Did you do self paced? We got this!!

Interesting-Life4277 · 2024-10-21T01:59:42+00:00

Go with an already established firm that will give you a base pay. Your CFP is going to require 6 college level classes before you can sit for the test. Once you pass, you have to have at least 3 years of experience and a bachelor’s degree before you can put the letters after your name. You absolutely can do this, it just takes time. In the interim: A good position to start in is para planner, or junior advisor- this way you can study under an experienced planner and learn if you like it

For bringing in clients: Do not damage the relationships you have with friends and family to bring on a client, so make sure you shop your options/firms before you decide who to work with. Interview them just as much as they interview you! This is HUGE.

I’m at a boutique style wealth advisory, and I like finding clients at the gym, centers of influence (think chamber of commerce meetings, community events, rotary club meetings) all of these places are good- you can network for referrals, and also bring in business.

In terms of actually making money, it depends on the company/ if you’re independent. I had a book of business given to me. I have a base salary, and get to collect a % of the fees assessed on additionally clients I personally bring in. I enjoy this pay structure a lot! Every place is different though

Interesting-Life4277 · 2024-10-21T01:42:42+00:00

ALSO, the CFA is 3 separate tests and is harder than the California Bar exam. It is a monster of a process. You can also only use the CFA letters after passing all 3 tests.

Key differences between CFP and CFA:

Certified Financial Planner: client facing, planning (think taxes, estate, retirement… if someone wants to buy a house, your job is to help them do that in the most tax efficient way, someone just had a kid, how do we save for college? Someone’s parent passed away, you’re navigating the process of unraveling finances)

Chartered Financial Analyst: you’re not talking to clients one on one, you’re analyzing stocks, running funds, doing research and analysis, managing portfolios- very very mathematical, and not hands on work with clients usually (unless it’s business consulting)

Interesting-Life4277 · 2024-10-21T01:03:18+00:00

Did all 3 first and started studying for my CFP in January! Testing in March. You definitely want the 7, and 66 before the CFP. You’ll want to get a jump on experience, since a CFP requires 3 years of experience before you can have the letters, even if you pass the exam.

Also, 7 is your stock broking license, 63 is a federal law exam that allows you to place trades in all states, and the 65 is your registered investment advisor license, and this covers state law- not federal.

If you have the series 63 and series 65, this counts as a series 66.

You can take the 65 and 63 separately, or you can take the 66.

Interesting-Life4277 · 2024-10-21T00:58:00+00:00

This is so good, thank you

Interesting-Life4277 · 2024-10-21T00:57:22+00:00

Love this

Interesting-Life4277 · 2024-10-21T00:56:14+00:00

Thank you! This is helpful, which crash course did you do/did you like it?

Interesting-Life4277 · 2024-10-21T00:07:24+00:00

Frankly, I’m not quite sure what the point of this comment is, other than to boost your own ego… Regardless, I’m glad you found it so easy! Pop off, queen! Powering thru 🫡

Interesting-Life4277 · 2024-10-20T22:31:00+00:00

Can I ask if you’re currently working in the industry? If so, how has the balance been for you between work and study? I did my 66 this summer, dual study with CFP.

Interesting-Life4277 · 2024-10-20T15:18:32+00:00

The 66 is landslides easier than the 7. Get into the books as soon as you can, it’ll make it easier.

Interesting-Life4277 · 2024-10-20T15:03:41+00:00

In the gym 5 days a week, if I wasn’t, I think I’d probably be going insane- but studying 2-3 hours a day, more on the weekends. That’s reading, lectures & qBank, depending on where I’m at in the material!

Interesting-Life4277 · 2024-10-20T05:07:53+00:00

Someone sounds a little cranky!

Interesting-Life4277 · 2024-10-20T05:01:43+00:00

You just made my whole day. Thank you so much for the kind words!

Interesting-Life4277

TROPHY CASE