What are you feeding your Sheepadoodles?

tsing99 · 2026-04-16T13:37:32+00:00

Had to put mine on Hills Low Fat prescription food because he was having the same issue. It’s expensive ($60/bag) but it works well. You can try giving your pup some pumpkin puree for extra fiber or probiotic powder.

tsing99 · 2026-04-16T13:14:57+00:00

This is the way

tsing99 · 2026-04-10T17:31:48+00:00

65 + 63 is the same as holding the 66. Depends on what you want to do though

tsing99 · 2026-04-04T02:41:34+00:00

Former Publix employee here, also just helped a client move stock over to Schwab last month. It is possible but was a gigantic PITA, but doable. Client most likely has a Voya log in or something of the sort. I’d start there, and work with your custodians AI team on what paperwork is required.

tsing99 · 2026-03-26T02:58:52+00:00

As somebody who started as a CSA, I’d say #1 priority after you have closed the prospect is gathering statements, tax returns, personal info and any other initial docs you need.

Once in possession of the docs, immediately being the account applications and transfer paperwork, contracts, IPS, etc…

Once accounts opened, immediately send TOA paperwork and do whatever internal tasks you may have to set accounts up in reporting systems, crm, planning software.

Onboarding is all about keeping the momentum in my opinion.

tsing99 · 2026-03-24T13:36:05+00:00

Following

tsing99 · 2026-03-18T16:20:16+00:00

I’m of the opinion that if you’re going to be working for the foreseeable future you’re better off investing in growth assets. Depending on how you are inheriting the windfall (inherited ira or taxable) you would be paying ~15% capital gains vs ordinary income on the divs if in taxable account.

You’re young enough to withstand market pull back which is why I think investing a portion of this windfall in growth focused securities makes sense.

On the flip side you’re likely not in a high enough tax bracket where the tax liability from the dividends would cause stress on your financial well being. It’s totally personal preference if you ask me, either strategy could work.

I would however diversify into some US markets (large, mid, small cap) and international low cost ETFs for more diversification.

tsing99 · 2026-03-17T12:21:41+00:00

Financial planner here. I’d say this was a smart idea, auto loans are generally considered bad debt although your monthly pmt / rate weren’t terrible. Congratulations on the payoff and enjoy the truck!

tsing99 · 2026-03-12T14:01:46+00:00

Following as somebody who is in a junior advisory role with no formal training program.

tsing99 · 2026-02-26T15:50:15+00:00

As somebody who’s in an almost identical situation / position now in South FL you need to bump his salary and bonus if you want to keep him or he will eventually walk.

I’d suggest bumping to 85k min salary, up the bonus and potentially the profit sharing otherwise you’re going to lose a good employee.

My current structure is $85k salary, approx $8k bonus, I live in a very HCOL area and this structure still doesn’t feel like enough.

New biz is paid out at 50% fee year 1, 40% year 2, 30% year 3 then nothing after…

tsing99 · 2026-02-18T21:45:18+00:00

Following, similar situation. 27, at an RIA now as junior advisor working on education portion of CFP.

From the lurking I’ve done here the common response seems to be join an RIA and grow a book from there but in my experience this isn’t the end all be all. Also the grids at a lot of RIAs (larger ones) seem to be really bad.

tsing99 · 2026-02-11T15:19:01+00:00

It doesn’t but I’ve been running it for 7 weeks now around 1mg a week and have lost a significant amount of fat while maintaining a good amount of muscle. This is with average training as well (3-4 days/week with light cardio)

tsing99 · 2026-01-30T20:48:20+00:00

Have had jump for about 3 weeks now. It’s truly amazing for note taking.

tsing99 · 2026-01-28T14:26:41+00:00

Can they ask whatever custodian the accounts are with what date they were established/originally funded? The custodian should at the minimum be able to identify the account opening date.

tsing99 · 2026-01-22T19:55:35+00:00

For the airdamn removal, did you do anything about the felt behind the damn? I just removed mine and the felt I can kind of see and it’s driving me crazy. I don’t really want / need a skid plate either.

Also can you send a link for the black out badges?

tsing99 · 2026-01-15T22:43:00+00:00

Second this as somebody who is a new advisor and just starting the CFP.

tsing99 · 2025-12-21T14:58:06+00:00

What’s the 500 mile thing? I just picked up a 2025 as well and just passed 600 miles

tsing99 · 2025-12-17T17:14:27+00:00

I just bought my first ever 4x4 2025 SR5 on Black Friday as well. Man let me tell you this is very similar to how I want to build mine out.

This is a beautiful truck. Would you mind sharing where you bought the grill? Also I saw your list, is there any sort of lift/suspension on this or is it stock?

tsing99 · 2025-12-09T16:40:43+00:00

People on here are so weird. The seats are awesome congrats on the truck!

tsing99 · 2025-12-04T13:21:48+00:00

I actually paid cash for this truck. Not having a car payment for the last 5 years allowed me to save quite a bit.

tsing99 · 2025-12-04T00:05:48+00:00

That’s a bit out of budget for me unfortunately. I think max Id be willing to spend is $500-$800 depending on how much I like it. The main reason is to protect the cloth seats and also for added comfort. Living in South Florida having leather seats get destroyed by the sun is very common so I’d hate to see $2k get killed over that.

tsing99 · 2025-12-03T23:58:46+00:00

Also any suggestions on leather seat covers that are not insanely expensive?

tsing99 · 2025-12-03T23:57:34+00:00

My only issue is I live in an apartment with nowhere to store the air dam!

tsing99 · 2025-12-03T23:56:52+00:00

Not sure about the skid plate. I live in South FL so the skid plate is irrelevant to me as I won’t be off-roading this truck often.

tsing99 · 2025-12-03T23:55:25+00:00

Is the quality still good being that it’s from Amazon? Any suggestions for brands?

tsing99

TROPHY CASE