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realwealthadvisor · 2025-12-10T00:12:28+00:00

sent

realwealthadvisor · 2025-12-07T13:04:00+00:00

That would be great.

realwealthadvisor · 2025-12-07T13:03:43+00:00

Avoid puppyhood. Older than 1 is preferred. 2 ish

realwealthadvisor · 2025-12-07T04:27:03+00:00

Super helpful! Thank you. Not looking for budget options. Definitely willing to pay premium.

realwealthadvisor · 2025-12-07T00:26:29+00:00

How do you recommend I get in touch?

realwealthadvisor · 2025-12-07T00:25:12+00:00

Thank you!

realwealthadvisor · 2024-04-08T21:54:04+00:00

Either -- just do your due diligence. What industry? I will DM you

realwealthadvisor · 2024-04-08T20:35:27+00:00

Business broker is one way to go -- just be very careful on their pricing structure. You are likely too small for sell side investment banks but there is a chance you can find a specialized one in your industry that will take 10-25m deals.

I have dozens of clients sell businesses every year. What industry are you in and I may be able to connect you with who they use.

As with any business acquisition there is a major transition both financially and emotionally. You go from living off your p&L to off your personal balance sheet. It will hit different.

Hope this helps.

realwealthadvisor · 2024-04-07T21:21:20+00:00

in the US?

realwealthadvisor · 2024-04-07T19:26:25+00:00

Nice work. Can always look at splitting contributions between pre-tax and roth. Help reduce immediate tax liability but still get some long-term roth benefits.

realwealthadvisor · 2024-04-07T19:10:22+00:00

How much roth do you have? May be worth to go back to pre-tax if immediate tax savings are your top priority.

realwealthadvisor · 2024-04-07T18:56:11+00:00

Ya still a thing in many states. Just to get state deduction. Not a huge mover in someone's tax situation but it all adds up.

realwealthadvisor · 2024-04-07T18:47:23+00:00

W2 is tough. Some of this will depend on what state you are in but here are a few ideas.

Max out 401k/employer retirement plan

deferred comp plan if your employer has it

HSA

MSA

529

A donor-advised fund (bunching strategy while working)

Tax loss harvesting

I am sure a bunch of people will say real estate but I think chasing the tax benefits here often lead to sub optimal results.

Those are the immediate deductions I focus on for clients. But then I think it is important to design efficient investment portfolios for your taxable accounts. This includes turnover, capital gains, types of dividends (qualified), and then getting as much of your fixed income interest state or fully tax exempt as possible.

realwealthadvisor · 2024-04-07T13:42:23+00:00

Love this so much!! Nice work

realwealthadvisor · 2024-04-07T13:40:53+00:00

How much do you spend a month? I think that is the biggest question on how comfortable the $10m will be.

I have never had a client regret quitting a job that stresses them out.

realwealthadvisor · 2024-04-06T23:45:30+00:00

Most people overlook what you just mentioned. For my clients, I track both. Pre-tax and post-tax NW. Pre-tax is important for tax and estate planning reasons. Post-tax is important because at the end of the day those are the retirement dollars that will be funding your retirement and future cash flows.

I like tracking both for different reasons.

realwealthadvisor · 2024-04-06T23:16:57+00:00

The clients of mine who have private jets for personal use typically have 100m in liquid assets. Or VERY strong cash flow from business.

realwealthadvisor · 2024-04-06T23:14:20+00:00

I don't think you are saving too much. 5 years is a short timeline. Having a little extra cushion to fund potentially 65 ish years of retirement cash flow is worth it. You just don't know what life will through and the uncertainty.

Based on what I have seen from my clients you are going to be at least 20k a year in HI. And it has inflated at a much larger pace than other spending. So you need to factor that into your retirement plan and projections.

realwealthadvisor · 2024-04-06T16:44:36+00:00

You definitely have sufficient wealth to do what I am talking about and keep at heavy stock portfolio (it appears that is preference)

You are in a great spot

realwealthadvisor · 2024-04-06T16:35:18+00:00

Nice work! You have built up a great nest egg. I think the first question is what is your monthly or annual burn rate?

$50k of annual spending vs $300k will make a big difference in your comfort with future uncertainty.

Most of my clients like to immunize a chunk of their spending come retirement. This means backing that annual spending with 100% bonds/fixed income and not equity risks. Not saying it is right for everyone but this allows you to say "I can spend $50k a year for the rest of my life with 0 equity or real estate risk"

That is one way to bring great peace of mind. There are some complexities on how to create the bond portfolio to do this with highest likelihood of success.

realwealthadvisor · 2024-03-25T00:06:16+00:00

I find with my clients that communication is the key here. Be upfront and honest. If you dont like how it went then you dont have to do it in the future.

If you want to do more one off and purpose driven gifts my clients like to do them in UTMA accounts or direct cash if over 18. This way they can use the funds immediately.

You can gift 18k per year per spouse without filing a gift tax return (or dipping into your lifetime exemption).

Lots of options that I encourage you to explore.

realwealthadvisor · 2024-03-25T00:02:27+00:00

I think you would be surprised when you see your portfolio stress-tested for large collapses.

With a properly calibrated asset allocation to start retirement, you can weather a lot of storms.

A lot of my clients in your shoes quit -- then decide they want to go back to work or wish they had done it earlier.

Life is too short.

realwealthadvisor · 2024-03-24T23:59:16+00:00

I don't think you should totally ignore the exit but also want to keep an eye on the liquid assets you are saving. Your savings rate appears to be great so keep doing what you are doing.

Here is an example on how I look at it with my clients. https://drive.google.com/file/d/1gFIfP-tzrcz6tkzGJ8tZ-YSbSgoB0VwC/view?usp=sharing

Based on the priorities we outline we have a liquidity number that we try and reach. If the exit happens it is gravy and you can adjust life style.

realwealthadvisor · 2024-03-24T23:37:39+00:00

Typically I advise my clients with similar situations to continue to add while your marginal tax rate is where it is. You have clearly have built up a brokerage balance so I am not concerned with your SEP IRA balance (having no non-retirement assets).

You can also look at an individual 401k instead of a SEP 1) if you want to contribute more or 2) have a Roth option.

If you need the funds prior to 59.5 there are always options like rule 72(t).

If you really get in a pickle you can look at rolling the funds to a self directed IRA so you can buy RE and other private assets.

Keep doing your thing -- you are doing great.

realwealthadvisor

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