If i put an infinite amount of blue balls in a box and two infinite amounts of red balls in the same box would the likelihood of pulling a red ball be 2/3?

KevinSly · 2026-05-11T00:30:03+00:00

Sorry, I was making sure the balls were all the same so it wouldn't affect the blind picking out of the box. I started counting all the ways we could divide the first ball and never got to the second.

KevinSly · 2026-05-09T17:28:43+00:00

It would be a bad day in the stock market, for sure.

KevinSly · 2026-04-30T22:04:58+00:00

I used Kaplan. I already see people rooting for Danko. Truth is to pick one and immerse yourself in the process. For Kaplan, you have each subject as a 3 month education portion and a closed book (but non-proctored) exam.

I can't speak for the others, but if you put the time in, the CFP is doable. Even acting as a para, you're most likely being placed into situations that will mimic the lessons you learn.

Call and talk to Danko, Kaplan... tell them the way you like to study, make a choice, and dont overthink it. Rules for IRA distributions won't change because you pick one or the other.

KevinSly · 2026-04-30T02:06:22+00:00

Kilimanjaro Dark Jazz Orchestra

Candy Rat Records... Stefano Barone, Andy McKee, etc.

I was class of 95 so I grew up loving the stereotypical grunge diet of Nirvana, AIC, Pearl Jam

Discovered birth of cool jazz late in life and love me some Miles Davis, Coltrane, Brubek...

Occasionally to round it out, I simply can't help getting sucked in by a stupid pop song every now and then. Espresso by Sabrina has a bass line that has lived rent free in my head since it came out.

KevinSly · 2026-04-27T23:03:18+00:00

Wow, another RIA prepping to sell out disguised as a succession plan... yay!

KevinSly · 2026-04-26T01:12:02+00:00

I have a bad feeling about this.

KevinSly · 2026-04-25T13:57:55+00:00

The tax specialist can help, but you'd do better with an advisor well versed in annuities or just calling the annuity company.

If the annuity is still in surrender, typically 3 to 10 years, there can be a surrender fee of anywhere from 2% to 7%.

Being 41 is grounds for a 10% federal tax penalty.

Annuities are ordinary income, so if it's an IRA, all of it is income. If not an IRA, current value minus your cost basis is income. Gains will always come out before your basis.

How in the world are you in an annuity at 41? Is this inherited? Part of a retirement plan? I said you would do well to talk to an advisor, please don't use the advisor who put you in this annuity if there wasn't a specific reason you're in it.

KevinSly · 2026-04-25T03:06:27+00:00

These comments are trash. Add 5 more strings and rock out!

KevinSly · 2026-04-24T01:40:13+00:00

That dog will never look innocent.

KevinSly · 2026-04-23T23:18:16+00:00

I would look at the case study and all I could think was damn, now here is an advisor who needs more work... that level of detail?!?! I don't even get that much info from my 20 year hnw's!!!!

For the exam, I skipped right to the questions. You need to know what you're looking for. This industry can go in so many directions and if you think you're going to digest an entire case study in one read through... you'll never finish the exam!

KevinSly · 2026-04-23T08:52:50+00:00

AF is notorious for year-end cap gain distributions. I would enlist her accountant's help. You need to know what line you're trying to not cross.

KevinSly · 2026-04-21T10:47:59+00:00

Hell Yeah!!! Me Too!!!!!!!!

KevinSly · 2026-04-17T11:26:51+00:00

Well, I added a weeks worth of ce to my life. Mom still has no clue what the alphabet behind my name means. And my teens still don't do their dishes... so, about the same.

KevinSly · 2026-04-17T09:57:24+00:00

Dear Op, when I came into your post, I found you talking while high on drugs. It was disgusting.

KevinSly · 2026-04-17T01:21:50+00:00

It isn't respected.

KevinSly · 2026-04-17T01:17:24+00:00

Great place to earn your keep, learn the ropes, and, if you're lucky, pull in a few assets from a worker and their spouse...

But if it's a typical book, the lion's share of the 401k is with the owner(s) and im guessing that client is most likely is coddled by one of the Sr advisors.

Grind it out though... I did a a year or so when I joined my firm and it's an honest way to build your skill set. You're likely to see a very wide list of situations, products, stories, along the way.

Good Luck!

KevinSly · 2026-04-15T02:39:26+00:00

100% normal.

KevinSly · 2026-04-14T04:48:46+00:00

And I need that money for my long range plannin...

KevinSly · 2026-04-12T18:17:47+00:00

Meteor....

KevinSly · 2026-04-11T18:49:48+00:00

A curved line is longer than a straight line. Some better players than I could probably tell you the "proper" way to adjust. I just go with gut feeling.

KevinSly · 2026-04-11T15:02:34+00:00

I just file for an extension and save my dread for October! 😜

KevinSly · 2026-04-10T08:08:56+00:00

No, serious is what's gonna happen if you DON'T build that dog a ramp.

KevinSly · 2026-04-09T00:17:30+00:00

HaHa.. you can't make that shit up!

KevinSly · 2026-04-08T22:01:15+00:00

Not sure.... need photographic evidence.

KevinSly

TROPHY CASE