John and Susan spent 40 years building a $2M nest egg.

Then John died unexpectedly.

The investments were fine.

The estate plan wasn't.

Here are 8 estate planning areas every family should review: 🧵 1. Define the goal

Do you want to:

• Care for a spouse?
• Provide for children?
• Reduce taxes?
• Protect assets?
• Support charities?

The strategy should match the objective.

Mike retired at 54 with $ 4.1M.

He had done everything “right”:

• Maxed out his 401(k)
• Saved consistently for 30+ years
• Paid off his home
• Avoided debt

But: $3.8M of his wealth was in traditional IRA/401(k) accounts.

Very little was in Roth or taxable accounts.

At first, it didn’t feel like a problem.

Until he started drawing income.

Mark was 42.

His parents had a paid-off home worth $1.2M, large investment accounts, and no major spending habits.

His assumption:

“I’ll probably inherit enough one day to be okay.”

So he: •Underfunded retirement accounts
•Delayed investing
•Upgraded lifestyle too quickly
•Saved “just enough”

On paper, it looked reasonable.

Then reality started changing.

They drafted a will and thought their estate plan was done…

Until it ended up costing their family tens of thousands of dollars.

Here are 10 common estate planning mistakes: (and how to avoid them) 1. Not updating beneficiaries

This is one of the biggest mistakes.

•Ex-spouses still listed
•Parents listed instead of spouse
•Deceased beneficiaries with no contingent

The IRS tells high earners they make “too much” for a Roth IRA.

Most people stop there.

That’s a costly mistake.

The Backdoor Roth IRA is how high-income earners quietly keep building tax-free wealth anyway.

Here’s what you need to know: First, the basics:

A Backdoor Roth IRA is a 3-step process:

• Contribute to a non-deductible Traditional IRA
• Convert it to a Roth IRA
• File form 8606 at tax time

There’s no income limit on conversions.

Most people treat their HSA like a checking account for copays.

That’s a mistake.

Used correctly, an HSA can quietly become one of the best long-term wealth tools you have.

Here’s what almost no one explains 🧵 First, the basics:

An HSA is the only account that can be:

• Federally & State deductible going in (Exception of CA and NJ)
• tax-free while growing
• tax-free coming out

Even high-net-worth people make costly money mistakes.

Here are 7 money traps that eat away at wealth (and how to avoid them): 1. Illiquidity

It feels sophisticated to load up on private deals, alternatives, and real estate.

But when too much is locked up, you lose flexibility.

Liquidity = flexibility.

Most people are wrecking their HSA’s potential.

It’s the only account in America that combines the benefits of a Pre-tax and a Roth IRA.

Here’s how to turn your HSA into a 6-figure retirement weapon: 1. Qualifying for an HSA

To open & contribute to an HSA, you need a High Deductible Health Plan (HDHP).

For 2025, the IRS defines that as:
•Min deductible: $1,650 (individual) / $3,300 (family)

This means: Higher deductible → lower premiums → HSA eligibility

I have spent countless hours creating financial content and growing my practice online.

Here are 5 of the most engaging finance debates (And my opinion on each) 1. Roth vs Traditional
2. Term vs Permanent Insurance
3. Debt Paydown vs Investment
4. Alt’s vs simplicity
5. Concentration or Diversificaiton

An HSA (Health Savings Account) potentially has more tax advantages than IRA’s AND 401k’s.

But only if you use it correctly.

Here is how to use your HSA (The right way) HSA's are a popular employee benefit, but I rarely see them being used to their full potential.

Let's talk about how to use them efficiently.

B4 we start: If you enjoy this thread...

Be sure to follow me and check out the "highlights" section of my profile!

High earning w2 employees are very limited in tax-planning strategy.

But the low-hanging fruit that gets overlooked never fails to amaze me.

Here is an in-depth thread of 10 strategies: Over 62% of Americans get a w2 every year.

But I rarely see their plans being optimized.

Here are 10 of the most common that get overlooked:

(You might want to bookmark this thread because there is A LOT of info here)

Nearly 70% of Americans contribute to a 401k.

But the rules get incredibly complex.

If you’ve switched jobs, or nearing retirement...

(You’ll want to save this)

Here is everything you need to know: Today we’ll dive into some of the major features of 401k’s: (A highly comprehensive thread)

• Contributions
• Withdrawals
• Accessibility / Penalties
• Required Distributions
• Secure Act 2.0 Changes
• 401k’s for Self Employed
• Estate considerations

Stock market corrections present excellent opportunities for Roth conversions.

The lifetime tax savings could be significant.

But few fully understand how they work.

Here is what you need to know: Before we start: I post educational finance content 5 days a week.

If you find this thread valuable or informative:

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Here is what you need to know about Roth Conversions:

529 College Savings Plans can set your kids up for life.

~ Tax advantaged ~

But most do not understand how they work.

Here are the facts about 529 Plans: In this thread we'll cover:

• What 529 plans are
• The Federal tax advantage
• The State tax advantage
• What happens if my kid doesn't go to college?
• Other lesser-known facts about 529's

“My income is too high to contribute to a Roth IRA”

You’ve probably heard:

"If you make > $150k... You can’t contribute"

But there is a strategy so powerful that some members of Congress want to ban it.

Here is exactly how to do it: 🧵 Before we start:

~ For a guide on the Backdoor ROTH, RT the first post and hit the "contact me" link in bio.

(First 12 hours only)

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The Backdoor Roth IRA:

Warren Buffet discusses his estate plans with his kids.

And you should too.

But most people have no idea where to begin.

Here is what you need to know: Before we start:

If you want a full 44-page guide on things to consider for your estate plan

• Make sure you're following
• Like and bookmark the first post of the thread
• Hit the "Contact me" link in bio

& I will personally email you the PDF

The Self-Employed possess a unique tax advantage to save big money every single year.

But almost no one is doing it right.

A step-by-step guide to the solo 401k: Before we start:

I post daily finance threads to help you level up your personal finances

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10 years ago, many considered large-cap stocks “uninvestable”.

As a financial advisor in 2025, I commonly hear:

"I only own the S&P 500."

5 reasons this could be a mistake over the next decade: (With visuals and data) Recency Bias could be a client’s worst enemy.

When a thing or idea is going well, human bias inclines us to believe it will continue.

Past performance ends up being a big driver of retail investment selection.

"401k’s are overrated… I don’t want to lock up my money until retirement”

Here's is why this thinking is wrong

(and 6 lesser-known facts about your 401k)👇 I'm seeing more and more post about 401k's being overrated

Sure, there are instances in which making 401k contributions your first priority may not be your best option

But the recent rhetoric surrounding 401k's is largely flawed

Here's why:

The IRS announced changes to taxes for 2025.

Here are 5 changes…

& how they may impact your Investments Accounts / Financial Plan: Welcome to my last thread of 2024!

We posted over 100 threads
Gathered 37 million impressions
Went from 0 - > Nearly 20k followers

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Let's dive in:

With strategic tax planning...

It’s possible to pay 0% tax on investment gains in the years following retirement.

These years are crucial to capitalize on.

Here are 3 things for anyone nearing retirement to consider: 1. When considering retirement withdrawal strategy...

There are 3 main account types: