FA

johnnyshots22

Keep holding i think it jumps nicely next week. Not FA just my opinion

LilKrippled

While I believe having an FA is beneficial for most people. They should do a whole lot more than just manage money, cause yes, that’s easy. If your advisor is not willing to help because it does not benefit them, they are not a good advisor. Arguably not a fiduciary.

Individual-Actuary80

The Greeks will kill the option(s). Another option is to buy ZSL which is an inverse SLV ETF. DCA as the price of SLV increases. Profit margins might not be as advantageous, but probably is safer in case SLV continues to the upside. Not FA

KingsBIood

Sorry just wanted to say something. Use a FA at your own needs. If you need one or want to keep one. Make sure he's a fee based AUM. Because his pay checks are the fees. If your account doing terrible he's being paid less. Now also pay attention to the funds he puts in the portfolio. Some are mandate to sell you in house product ( gets them % on sale ). Which i find its a conflict of interest when you or he knows theres better funds or etfs elsewhere. Other thing is that most people are clueless. A good advisor would work and advise as much as possible for every thing he does and he will be your personal CFO for the rest of your life. Regardless the fees of 1% on a 20 year basis. How much money will you lose with your emotions. How much money will you lose by buying something you dont know. Do everyone have the time to actually research and pay attention to your investment everyday? I feel like a lot of people hate FA because they aren't all perfectly shaped. On my honest opinion. You simply need to search for a good team who puts your interest first and have the duty to care for you. If you think you know better. Good for you. And I honestly wish you the best endeavors. But I think in general an FA is a good pick if you feel like your emotions will eat you up in down fall events. Knowing that you'll have that peace of mind when something happens. ( if you have a good pro active FA ) Yes its true theres bunch of good securities out there. But if you dont know how to protect your capital an not be a sitting duck with not purchase power on a crisis. ( its terrible ) ( not that its bad but not being able to buy on a down fall?? What are you going to sell if your not well diversified? ) you can also pay for an appointment to see an FA and make sure your strategies are up to date. ( still costly if doing it 2x a year ) They also offer good withdrawal plan to avoid taxes as much as possible when you jump into retirement. Estate planing eventually? You can also buy life insurance to cover your taxes when you die. So the estate is not as much taxable as it could be. ( not every one recommends it because most dont know a thing ) Some teams have the whole package deal ( they have the connection - right handed with them ) for a little fee that dont show much. ( it does if your a geek ) but I understand that 200k extra after 20 years.... its 200k after 20 years... what if you did one bad decision and lost more and that loss cost you way more. Sorry my 2 cents in general. Good luck :) dont be shy to beat me up lol

No_Housing_4210

Yeah this very post literally said they had no clue about investing, it quite literally cant be a clearer need for an FA than that.

johnnyshots22

If you want slow but steady risers and be able to chill. I would go with VVPR and ABVE. Not FA . Due your own DD.

TheGribblah

Consider yourself lucky if their performance was anything close to the S&P500 the past few years. With skewed concentrated performance from a small number of stocks (Nvidia, etc.) strategies with more diversified ETFs have chronically underperformed. To answer your question, you can easily just DIY your own portfolio and go heavy into low-cost funds like VOO. The saved fees will compound over the years. At a young age without retirement looming, what you're paying for with a FA is to protect you from yourself. When shit hits the fan (and, it will, at some point), it's easy to panic and sell at the bottom. An FA would likely encourage you to not do anything rash and keep a long-term view. If you can have that temperament yourself, you'll do fine.

Obligation_Still

But you're talking about the past vs the present. Assuming you have some sort of investment experience a Tax Accountant is great but their job is not to give you specific investments or tickers, their job is to mitigate your tax hit. So yes they can say invest more in RRSP vs TFSA (canadian) 401K vs Roth IRA (USA) if you're dealing with taxable accounts and draw downs the accountant can advise movement and ways to shelter from taxes which are all past events and some future. But an FA is intended to help with your future planning and where your money will perform the best. I think the best thing is certainly to have both but I wouldn't suggest, especially to new investors, that having just an accountant is going to sort you out.

Guy_PCS

Full of missionary financial writers and FA posers.

markprice211

Fidelity is just the broker my FA uses which is why my investments are currently held by them.

markprice211

Thanks a ton for the comment. We already have a house but do have a mortgage. No big purchases on the horizon, cars are paid off, etc. We fortunately have plenty of monthly cash flow to cover all our necessities with a good chunk left over for investing. And I’m not ungrateful for the gains my FA has made me by any means, profit is always better than no profit, I’m just at a crossroads of trying to figure out a direction moving forward that will maximize our gains with as little risk - of course as is everyone in a perfect world. I’m blessed to even be able to have this conversation and these be my “concerns”, I just know there is always something better we can be doing with our money and I really want to make sure my wife and I are set up for an early retirement and my children are taken care of to the best of my ability. I spun up my son’s college fund, and we have our emergency savings (enough to carry us for 10 months) in a Money Market earning about 4.5%. I guess what I’m saying is ultimately we just don’t know what to do next lol.

markprice211

Thanks for the comment. This is ultimately what I am thinking about doing. If I still have concerns or reservations, slowly “tapering off” the FA - if you will. Starting my own brokerage account and seeing how well it goes, both from a growth perspective compared to my current FA managed account, but also from the perspective of learning how I personally am able to handle the stressors and emotions of investing on my own. Then reassess after a year. Maybe I move further towards being solo, and maybe I move back to full professional management. Nothing says I need to quit my FA cold turkey, but I have a strong feeling once I start managing a % of my portfolio on my own I will probably realize I was paying a lot of money for not much return. Only time will tell though. Big learning experience incoming!

Whydoineedtodothis60

IF you are getting this from your FA that is great! This is certainly the kind of services I am looking for from my FA. Hasn't really panned out for me yet but this is my dream!

markprice211

Thank you. Next time just lead with that. My post was clearly in favor of dumping my FA, you just harshly reiterated my sentiment while also taking it upon yourself to tell me I’m dumb and poor lol.

100K-Monkeys

FA's are good if you have shit tons of money because they can help you move money into LLC's, overseas accounts and other tax advantage methods to conceal or protect money. They can also be helpful in retirement making sure you can safely live off dividends, tax harvest and keep things balanced. Wealth preservation... For most people, it's unnecessary.

iwasWSBlurker

Everyone here is a gangsta MF warren buffet investing and trading god. Just because you got the knowledge now means squat shit. Everyone gangsta now when the markets and economy keep booming for the past 10 years. Even during the pandemic, everything still went up in the shortest time in the history of the stock markets. 99.9% compare knowledge about some generic ETF DCA weight average mumbo jumbo with FAs. What you are paying for is not for the FAs knowledge ffs. Most FAs probably know less than the average reddit user here. You are paying for two things: 1) Experience - It takes a certain set of skills and experience to be able to properly set up a portfolio for each individual and family. You have to piece together everything from investments, insurances, cash flow planning and even trust nominations. 2) Time - I am sure you can cook instant noodles, eggs and other stuff for sustenance, but do you really want to do it everyday? When you pay a FA, make sure your time is better spent elsewhere that is important in your life. Ultimately, no one fucking knows where the market is headed to tomorrow, next month, next year or the next decade. Sure you can make some trend recognition, but NO ONE knows. All you can hope for is that you catch the right wave. Be clear in what you are paying for with a FA. The knowledge to trade and investing can be learnt in a week, but when the shit hits the fan, you did wish that bought some puts or TLT ( just an example, chill guys )

Alexander_HamilDong

FA here. The amount of immediate, confident,  uneducated responses in this sub never ceases to amaze me.  If you're retiring in 15 years, I'm betting you're under 59 1/2 years old. If so, liquidating an annuity now would result in a 10% IRS penalty on the gains.  Anyone saying annuities only return 1% has no idea how yours is structured or how annuities can be invested.  Nobody knows if you're investing to annuitize or using it to just grow the balance.  Nobody knows if you're using a fixed annuity, variable annuity or if you're paying for add-ons like income riders, etc.  This isn't an indictment on you. You're just looking for help. This isn't the place to get an accurate answer on annuity advice. 

NegotiationJumpy4837

>But I bet you panic sell. I actually wouldn't be surprised if a typical investor outperforms with a FA. I don't really know anyone irl that stays the course. They all do dumb shit like timing the market, finding weird investment opportunities, etc.

Leungal

They're charging 1% on a 450,000 portfolio, are you getting $4,500 worth of services and advice every year? Sounds like you know the answer already, if you know anything about reddit and their opinions on non-fee-based FA's that take a percentage of AUM every year then you know what will be written here. Dump them ASAP.

johnnyshots22

I think it's worth holding. Should reach your buy price at least i think. Not FA not my honest opinion. I don't think it dips much more.

johnnyshots22

This is a good move too as well. W5 has 2 more series to air about the spoofing . Friday PM should move nicely as well. Not FA just my thoughts

Health_Code_T

you know the saying: FA and FO

Whydoineedtodothis60

Interestingly enough Schwab is the platform my FA uses so her account is already there! That would make the transition super easy. Thanks for the suggestion

Whydoineedtodothis60

Yep, most of them! The reason I've gone with a managed account recently is that I need dividend income and I'm so over weight in some of my growth stocks. It drives my FA nuts! They can't stand not having things all neat and orderly. I'm holding out on a few though. Also-capitol gains, ouch. Idk, it feels so weird and maybe I'll just bag the FA and wing it like I've always done

johnnyshots22

The Wolf of penny stocks play today is NDTP Not FA.

johnnyshots22

Mynplaybis VVPR today. Great potential. Good luck with all uour tickers and let's all go green ! Not FA . Due your own DD

johnnyshots22

Nice write up and DD. I also believe this will be a multi bagger in 2026. Just hit the 200 day moving average which is a good buy signal. This will only go up from here. Not FA

wuhanabe

Here is the filings from April outlining when the class B preferred warrants were initially issued https://ir.safeandgreenholdings.com/sec-filings/all-sec-filings/content/0001213900-25-032574/0001213900-25-032574.pdf Here is the filing in July where they convert the Class B warrants into class B preferred shares. https://app.quotemedia.com/data/downloadFiling?webmasterId=90423&ref=319308973&type=HTML&symbol=SGBX&companyName=Safe+%26+Green+Holdings+Corp.&formType=8-K&formDescription=Current+report+pursuant+to+Section+13+or+15%28d%29&dateFiled=2025-07-18 Here is the following S-1 https://app.quotemedia.com/data/downloadFiling?webmasterId=90423&ref=319311848&type=HTML&symbol=SGBX&companyName=Safe+%26+Green+Holdings+Corp.&formType=S-1%2FA&formDescription=%5BAmend%5D+General+form+for+registration+of+securities+under+the+Securities+Act+of+1933&dateFiled=2025-07-21 The market is very much behaving like a 5 million float. There was a 120 million volume day. Thats still a float rotation of 20x which is higher than BYND achieved. A 500k float would imply float rotation of 240, that has never happened before nor is there any reference to any company coming close.

swrrrrg

This is one I’d definitely ask a FA rather than relying on Reddit. PR has some different fed laws + a Roth has its own restrictions on exactly what it allows in terms of “earned income,” you’d be safer with professional advice. I *think* you could technically start a regular IRA & roll it over in to a Roth, but I’m not positive on that. I am sorry I can’t be of concrete help.

Successful-Tea-5733

Historical charts point to a continuation of the bull market. We're not even down 5% on the s&p 500. On average we have a -10% correction every single year. If you don't have the stomach for this, you really need to consider working with an FA or looking at fixed rate products and just knowing you'll have to save a whole lot more of your money.

31andnotdone

FA... everywhere. All I see.

CEOofBeanz

They have an FA which does it for them and mostly puts in money markets probably

abag20

Very new to investing and am in late 20s. I’m using a FA that my father has used for quite some time and has built a great relationship/trust with. I am planning to start a brokerage account and initially dumping a fairly large sum of money into to get started. My initial reaction to the funds chosen (all class C funds) are the insanely high expense ratios. I obviously have no reason (yet) to not trust them, however from the research I’ve done it seems these expense ratios are very high. Am I getting a fast one pulled one on me or do these make sense for my age? Thanks! OLGCX PEQCX SCICX CGOCX PRJCX

Interesting_Leg8859

SPY dropped 12% between April 2nd and April 8 of this year and then proceeded to pump 10% in a single day and you pussies are crying about a 3% drop. # BUY THE DIP FA**OT.

HVVHdotAGENCY

Why on earth would you move it to cash? The best course of action (for tax efficiency is what I assume you mean by “best”) is to leave it fully invested and take the RMDs. This is NOT a unique situation. It’s incredibly common. Talk to either someone at the brokerage or work with a fiduciary FA. Don’t ask ignorant reddit randoms for tax advice EVER

alxs1234

This is true. I got sim swapped, email hacked, and then coinbase hacked one day (2FA + Secure password). Hacker drained my checking which had ~$800 in it years ago buying crypto on CB and quickly sent it to their account. Filed a charge back with the bank and got refuned but the next time I deposited crypto to coinbase they took the money and said it was their's. To this day I haven't been able to purchase crypto through them. I tried to fix that with their support a while back but gave up when the support rep was being obtuse. If your security isn't great you could be on the hook for a lot of money in the event something catastrophic happens. Coinbase itself could get hacked as well and you could just be out of luck. I do like CB but the situation I was in left a slightly sour taste in my mouth and now its just easier to buy IBIT and not have to dick with the exchanges.

Charming_Squirrel_13

i’m kind of surprised your FA has that attitude. a lot of them are used to unusual circumstances where a sum of money isn’t inherently for retirement purposes. in fact, i think cases like this make the most sense to be consulting a FA about, since it’s quite a bit different than retirement strategies most here talk about.  this is a stock subreddit so i may get downvoted, but i think it’s important to live with balance. i’ve known too many people who waited to travel and their health eventually limited them before they could spend their money. they understandably get bitter and have massive regrets to close out their life. 

2020Macthedog

Thank you. Yes, in the US. You are correct about financial advisors. My current liquid positions are conservative. Have built a large cash position sitting in $SGOV. Was in gold via call options till about a month ago. Not sure what I'm looking for TBH. Thought there may be opportunities I am not aware of. I am a savvy investor and took control of my accounts from a FA at the start of the year. I have been taking profits slowly thru the year to take advantage of my low relative tax rate (retired early for reasons) compared to when I was working. So I am being cognizant of tax implications as well. Thanks. And good luck to you

Simple-Concept-5210

Retirement accounts is what I call accounts that I shouldn't pull from until "Retirement" age.. Technically I plan to leave work at 45, I turn 41 in a couple months. No 30k is in a cash account with edward jones. I have 3.1 million invested in bonds, etfs, and stocks also with EJ, some with Schwab, and some with Vanguard. I don't have no where near that in Retirement accounts as I've only been putting money there since 38. The bulk of my NW is with the FA. My home being paid for adds a significant amount to NW also, but I don't count it as I feel it's my forever home since I built it to be comfortable in during old age and have no interest in selling it. It's worth 1.3 as of last year with the appraisal being done. I actually have thought about dropping all Retirement accounts and just keep funding all that money into ETFs since I don't plan on working till 59 I'd like to be able to get to my money sooner if need be

yrrag1970

Dude don’t mess with your family money, if he has no time he should get a FA from a firm. Sheeesh, he is going to blame the 💩 out of you if the market crashes and he needs the money. REGARDLESS OF WHAT HE SAY !!!

Meakmoney1

I got an actual FA. Was 25% till last week. I haven’t looked.

amg-rx7

I’ve wondered similar and came to similar conclusions. Bond ETFs behave oddly similar to stock ETFs in the downturns that I’ve looked at. That said, my FA has picked a few that actually did ok for a bond etf. Seems like you either need to actually buy the bonds vs the etf or somehow choose the right ETF

wulfrunian77

Warren Buffet is a great value investor who doesn't get heavily involved in tech because he says himself he doesn't understand it enough. It's the reason BH is so valuable as he avoided the dot com crash, so absolutely pummelled the S&P index in the noughties. A long way of saying his retirement is FA to do with AI being a bubble or not. Burry has proven over and over and over he is no Cassandra.

FromEagleRock

At the bottom of the letter is "Due to the importance of this matter, we hope to hear from you."  Calling my Edward Jones FA tomorrow. 

ZenShineNine

I'll chime in here OP, Got the letter, had same questions and suspicions because I've never been contacted with this type of urgency about a proxy vote for investments. So I called. It's legit. From what I gather it's pertaining to 2 bond Funds: AFTEX and ANBAX. There are 2 voting matters. 1) Adding 6 new board members and 2) Lowering the "Advisory fee" so the expense of the fund is lowered and isn't as interest rate sensitive. But unless I'm in the board room I can't pretend to know all the details and I'm sure there are plenty more and who knows what the fine print says. I'm not a fan of any of the bond funds and only have them after a Ed Jones FA squeaked me into them. I promptly left that scam of a organization and transferred everything out. Been stuck with them since and trying to slowly liquidate them into lower expense, better performing assets. Anyway, that's my 2 cents....which is cheaper than any of these funds. Hope it helps.

Just_call_me_Face

There's FA's with "30 years of experience" that don't even understand option basics. 18 year olds lying on their Robinhood application aren't the problem.

farcat

My FIL tried doing this a couple months ago when market was down. His FA told set him straight and told him not to sell. I would imagine a lot of FA are saving our asses on the regular from doomer boomers

johnnyshots22

DRCT could moon. Great entry now at .22 Not FA. Fo your own DD .

-medicalthrowaway-

TA has become more valuable than FA… crazy 💫

Bangin_Gears

Another FA here. Double thumbs up. What we do is not rocket science, but when you add the complexity of estate planning, tax planning, risk tolerance, and liquidity needs, AI lacks the reasoning skills.

Alexander_HamilDong

FA here. Before becoming a client, ChatGPT gave one of my prospects incorrect tax information regarding Roth conversions. It resulted in a 5-year rule violation and making their Roth earnings taxable upon distribution. Do not use AI when it comes to investment or tax advice. 

AllCapNoBrake

[Imagine if buttcoiners had taken my FA](https://www.reddit.com/r/wallstreetbets/comments/1nwuyfy/comment/nhkxhf3/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) L $0 L! https://preview.redd.it/29955zaf4v0g1.png?width=528&format=png&auto=webp&s=0fa855313e83e90c06b65b0f4243376882083c73

Here4Snow

Why do you need life insurance at all? You're self-insured if you've got plenty of assets. Who is relying on your funds, that your not able to leave them in a good financial position, if you were to die? Insurance is a product, not an investment. You're helping your FA salesperson put their kids through college. 

BobtheChemist

I would find a FA who does hourly work and ask him to review, I think you are being sold a lemon, most insurance plans suck. Other than a ROTH, everything will get taxed somehow, other than part of an annuity, which is what you are being sold, despite it being called life insurance. But any gains in a annuity will be taxed, so maybe they plan to not give you any gains after all of the fees... If there are surrender fees or it is an annuity, your 2M becomes their money and you might get the interest on it as payment. But you lose the cash. You could go to Fidelity or Schwab and invest that 2M in etfs, bonds, funds, etc and generate upto about 4-5% in safe income, from Dividends, interest, preferred stocks, and etfs (like SCHD, VOO, etc) , so about $90K, easily, but that would be taxed unless via a ROTH. I would try to put most in a brokerage account, and then put as much into IRA, ROTH, 401k, self funded retirement accounts (If you are self employed), and such as you can, then move more into the Roth every year and 401ki or IRA as you can to shelter it. You maintain full control and can adjust your investments as needed. It is easy to set up a simple, diverse portfolio, almost any brokerage company can help you as well. That's what I did and I am now safely retired and happy.

GigglyPuff56

I actually agree with this. I’m friends with an FA who works for one of the biggest wealth management firms, and even she told me (off the record) to just stick with low-cost index funds and avoid the fees. It’s really that simple. That said, seeing a financial advisor can be worth it if you’ve got a lot of assets or need help with stuff like retirement planning, estate strategy, setting up trusts or taxes. But for most of us regular folks, it’s probably not worth the cost.

spudleego

It’s the wire size dude. You would have been better off frequently taking wires 20k here 20k there. You probably have either zero other brokerage accounts by which they can reference your agreements or you have multiple with conflicting info. Unusual activity related to withdrawals ifs going to be heavily scrutinized bc of their liability as well. If you have no 2FA/MFA you might well count on seeing that money next year sometime after providing DNA.

PaperHandsTheDip

I do! Check my post history for my previous trades. I do literally 0 FA or DD. It's pure vibes.

getbentspez

It’s speculative for sure, but so is the rest of the market right meow. Load up, within reason, and only what you’re willing to lose. Not FA

chris4sports

Why sell long dated CCs? Seems very silly. Time for a new FA

AllCapNoBrake

If Butcoin can't break 106k and make it support, Alexa will be playing Free Falling by Tom Petty: https://preview.redd.it/c2r0a522ug0g1.png?width=534&format=png&auto=webp&s=3020cc257cc3457ad804d9d64e9b6516e706d71c There's 0 bullish anything on this chart, Bers. Fucking SHORT ibit! FA.

Sea_Pomegranate_4499

No offense, but this question is all over the place. The header is about breaking up with your FA but body is all about reallocation. Your stated goals are 1) to minimize capital gains, but your ideas all involve realizing capital gains, and 2) simplifying your portfolio, but these seem like replacement trades not consolidation. Maybe this would be clearer with the portfolio attachment you mentioned but didn't include. I won't ask about the single Disney share, but I will stare awkwardly at it hoping you'll break down and explain.

Revfunky

I use both. FA tells why you should invest in a company and TA tells you when. If I am looking at a dividend investment I start with FA, then TA shows me the footprints of the trade. TA is an art, not a science. Every Technical Analyst has their own strategies. For me there was life before TA and life after TA. You need to know it and it works. You should know what a Bull flag pattern, head and shoulders, etc. I use Fibonacci, RSI, and the VIX as indicators. I just started using Fibonacci sequence the past year and it has helped me get steady 100% gains on trades. I’m also using a proprietary AI tool for some trades. I like TradingView for my charting. I have different strategies and different rules throughout my portfolio. I’m a one-stop shop sole trading entity LLC. Stocks are my business.

PaperHandsTheDip

\> In the 'olden' days, your vibe was confidence in your DD. Today it's a roll of the dice and a gut feeling. It's very much not a "roll of the dice" and "gut feeling". The game hasn't changed. It's always been "I buy, they buy, I sell". he only way you can actually make money is if you buy and someone buys after you (making the price go up), then you need to eventually sell to realize profits (and market goes down). The game is still figure out what someone else is probably gonna buy and buy before they do. That's it. \--- The "good old days" with confidence in your DD is like complaining how poker has gotten harder these days vs 2000-2005 which was the "golden era". The game is the exact same - the edge in FA just decayed. More people than ever have access to markets & up to date information (and with the advancements in HFT) your fundamental analysis / DD doesn't mean much anymore. There is no edge there - it's priced in the millisecond news gets released. Guys like XtX markets have 20,000 GPU's & use them to beat you to the punch using those methods. \--- The problem is there's more players and the players got better. So you need to use more sophisticated strategies. Nobody actually cares about the companies or fundamentals - everyone just wants to make money / for their investments to go up. I could invest in a great company but if the price doesn't move I'm fucked. So you do \*whatever you possibly can\* to ensure that there are others buying after you to win. Turns out - that's the vibes of OTHER people. Not your own gut feeling. Figure out what the average person is likely gonna do and bet with the average. Good chance you'll have people buying in after you & make money. That's the current best strategy.

Scary-Compote-3253

Lol, I’m not a FA

harrywrinkleyballs

[Margin calculator](https://www.omnicalculator.com/finance/margin?calculatorResult=H4sIAAAAAAAAA61VbW%2FTMBD%2BK5EFUjeVrt3Eh1XTJFgBFeiG1m4SoAldk2tqcOzgl2xl4r9ztpM0Y5Ng0vql9vnu8T13zzm3DGXOJc4tWGTjW5aCSJ2gTXYJmsNSoDmFAg0bf2WlVituWZ8VoCmIXfVZugaZP%2BRbu%2FS3QRorlA5DlJIZt1xJ46%2FksnT2ziIGD4Z%2BXYGgoHFtS46SEWFlaDHt5ti5kvALtJCBBR8PxqiUdwm1YATEzYSbUsAGMzZegTDoo42BPFTDcTKzb5eb6svB9cGvzcvZ%2Fv75xeLzh%2FN3g8atz9a2EOR2VB7PYpIpSKlsssQEfzoQiVWJ0kmukdLQiaWaJaPh8Pkg%2BSQQDCaBeAKJUNd0HhgPjvbKY%2Fabfn2mnH2gMP%2BoQV03qx1RsprnOWou88bbN4qNpRMiXOF4twHdO8MxNaxCbahjb5UuSB9mm01QTXs%2BbTyoIL3eaI947uz2NK5Qo0zx0me1s8O6kGfObmPIf7d33z8k4YxVxXvzRmulPdurju2mVDoUg%2FxNpEB60yePkzPeWA2TWjncvMoqoCS20uBmppbcS6g2OIM6FsBJqzcnKvPyuph7gk57Cpuwn3QM802xVF4wz8gooeI5WKU%2F0iA50tMCcjpC%2BSKAEP60KKlzIC4kt6ZpaEmeTUR9KcpQpVUspfeeYIky81fOoIw1ESr98UAt%2FMyAJKlOvQJMZGRs%2FC%2FIFOfGt9yuv9M5e83zU1csiX0rNTZitZLiqhn4R4IMtyjDwChmdr9%2FIcM770oU7ZkUm%2B5QNMPwRLS6qv9vjOHgsEWp17X8HoezRTl8uhLHZCqeoW6%2FA%2BCsMlDh3UclVUJAaTCbZnVl1yjKBY1N9z2oZ6NNrt43hMO21WKEMSjCYxZEPhcu%2F%2BuBKTWnjZ8lGoY0vIt%2FAN%2FshZS7BgAA)

AsymmetricInvestor

Give it a few days/weeks, there will be good buying opportunities! There were four15%+ corrections in Nasdaq Composite between 1997 to 2000, each was a significant wealth creation opportunity. Stay the course! Not FA.

Obvious_Tap_1306

Typical bullshit advice from a corp FA…… don’t leave!!!!! Hahahahahah

Furkyz

DUTCH $BROS, I believe they’ll have a great Q3 with College back in session. They’ve looked good, I’m looking for $61 post earnings beat. Not FA, I’ve been incorrect before.

Rare-Energy-4357

Your current security setup, featuring a strong password combined with hardware token (physical) Two-Factor Authentication (2FA), places your brokerage account at the highest level of individual security, making the probability of a successful hack exceptionally low. While precise hack statistics for individual accounts at Interactive Brokers or Charles Schwab are unavailable, this configuration effectively neutralizes the two most common attack vectors: weak passwords and phishing/SIM-swapping attacks that bypass SMS-based 2FA. The remaining risk shifts primarily to your personal device security and social engineering (phishing), which must be mitigated by consistently securing your email account (the "master key") with the same physical 2FA token and by always manually typing the broker's web address instead of clicking links in emails. By adopting these layered measures, you make your account a low-priority, high-effort target for attackers, who will invariably pivot to easier victims.

VOO_bull_forever

# if you didn't make life changing money since 01/2023, YOU MUST TRULY SUCK AT TRADING. I MEAN TRULY SUCK AT TRADING. DISGUSTING FA1LURE.

InvestingMonkeys

Really no company should use SMS for 2FA or backup options. It's not secure and SIM swapping is a real threat. Software authenticators or hardware keys are the only solutions.

random20190826

I am actually not from the USA. I am from Canada. But SMS 2FA should be illegal because of the things I talked about.

Suoritin

My bad, you are from USA. In my country we don't get that luxury to use SMS 2FA, so we mostly focus on minimizing attack surface risks instead.

random20190826

Nope. That's not it. This is only true if you only need a username and a password to get in. If it has SMS 2FA, and that SMS can be used to reset the password, even if you only use a Live DVD to boot into your computer to conduct your investment activities, you will be compromised when someone can SIM swap you. If, on the other hand, they use TOTP authentication, you are in big trouble if your seed is leaked. Of course, we know the most secure method to handle online accounts is a FIDO2 compliant security key. This is physical, and the hacker can't do anything unless they are in physical possession of the key.

harpers25

Says who? Total CapEx has exploded since then. https://fred.stlouisfed.org/series/BOGZ1FA895050005Q

assholy_than_thou

FA, buy calls.

butterfly_labs

This. And by the way, Wero's original scope was much bigger, with projects for a complete payment network. Its was drastically scaled down due to lack of capital and political will. Right now, it's not much more than a C2C money transfer service, one of many. I used work on payment systems. Changing *anything* is incredibly slow and complicated. The whole EU banking sector relies on decades-old systems and is very reluctant to change. It took years to roll out instant payment, 2FA, the DSP2, and none of these things are very pleasant to use compared to more modern designs. Hopefully we can get rid of Visa & MC eventually. Relying on a foreign actor for critical infrastructure is never a great idea.

Commontimejunkie90

I did the opposite three weeks ago - I had issues signing into Robinhood, my tablet got logged out and I tried to get logged back in (with the right password) and got caught in a perpetual cycle of 2FA that wouldn't work, apparently it's a known issue with RH. So I only had my phone to access my account, and had that been logged out I wouldn't have been able to access my account. I tried using customer support but it's all chat, and it's automated and the chat couldn't understand what I wanted so I tried calling the help number to no avail. I was already thinking of switching to fidelity, and the run around from possibly being locked out of my account, and the terrible time I had getting to customer service (I never actually did) pushed me over the edge. I will say I used RH for years with no issues, but those two things scared me too much. Fidelity has been fantastic and I'm very happy with them.

PaperHandsTheDip

when someone says NFA, they really mean FA and to full port.

Striking-Block5985

yes but if the other account is protected by 2 factor authentication it doesn't work and there no way I'm taking 2FA away from the other accounts

Outside-Jello6336

Get into it bro and AZTR not FA

AllCapNoBrake

[Which one of you non-regards took my FA?](https://www.reddit.com/r/wallstreetbets/comments/1oi803s/comment/nluepg3/?context=3&utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)

retiringfund

Good questions! Mid 50s, another couple of years before FIRE (me) but my partner will continue to work. The FA is 'free' coming with the retirement accounts. I have been very much on the conservative side. Just wondering how people split the investment mix.

Immediate-Run-7085

You don’t give your age or whole financial picture. You are paying for a FA, why are you still asking here? Presumably that person will know a lot more about your finances than we do

andrewe92

Never taking FA on RDDT again

Otterpoopie

#FA

donsimoni

I can already stay signed in with PayPal. I can already autofill my address through PayPal. I can save login data in my existing browser and autofill data. 2FA? Just the touch of a finger necessary. Maybe there is potential to shave off half a second. More likely there is more money to be made in making the backend more efficient. But even then I don't see the value of tens of billions being created.

DaCouponNinja

I don’t have a financial advisor (but I’ve been a licensed one) and any good financial advisor would have you in a diversified portfolio appropriate for your risk tolerance and they would have told you to sit tight, or possibly increase some positions based on your long term goals. In my own portfolio I added to some of my stock positions because stuff I liked was basically on sale, and I added to my VTI position because I want a chunk of my portfolio in something I don’t need to think about. Any FA who would have suggested selling because of a one-off event is not someone I’d trust for the long term

DistributionFine2222

This was not a financial advise. I am not FA and am not responsible for your actions, this was my analysis which I shared in order to attract people to the stock.

Romytens

It won’t last long enough to have a lasting effect. A real US-Venezuela conflict would have casualties at 1000:1 and they know it. They won’t FA long enough to FO.

DistributionFine2222

Thank you, not a FA, just sharing my thoughts and data I've found.

benchandbarbell

You may be right on TA and FA, but let's not pretend this is intellectually honest: >So why will growth of SEA outstrip GRAB’s growth projections? Because GRAB actually helps EFFECTUATE the rise in banking, prosperity, and upward mobility. Grab accelerates prosperity in Southeast Asia by connecting people, businesses, and finance through its super-app: >It provides steady income to drivers and merchants who once worked informally, digitizing their earnings and making them credit-eligible. >Its GrabPay wallet and financial services help millions of unbanked citizens save, borrow, and insure themselves for the first time. By linking small merchants to online customers, Grab expands local business and creates a huge amount of potential for upward mobility. It's an SME masquerading as a tech MNC. Its opportunity to be a super app has passed. In price conscious SEA, consumers and platform workers aren't afraid to leave; out of all the similar apps, Grab has treated its consumers and platform workers the worst. This week, all of my rides have been with either Gojek or TADA after comparing prices across the usual apps. Anyway, I'm in.

tacocookietime

FA FO <--- (Canada is here) Why? This: Government of Ontario ‘Fraudulently’ Uses Ad Campaign Featuring Ronald Reagan Speaking Negatively About Tariffs

New_Collection_4169

It’s easier to become negative and critical. Do your FA because I clearly didn’t. On the bright side, infinite time horizon= never lose. Reverse split on the way

johnnyshots22

EPOW patent granted 30 min  ago. Good time to get in. Not FA . Due your own DD

mgarr_aha

Here's [the MPEC](https://minorplanetcenter.net/mpec/K25/K25UE2.html). The issue is that comets are fuzzy, the coma may be not exactly centered on the nucleus, and this adds uncertainty to the trajectory estimate. This is not unique to 3I/ATLAS. They want to make sure observers know the latest methods and have experience using them. IAWN has a [current campaign](https://iawn.net/obscamp/2025FA22/) to observe asteroid 2025 FA22, which passed near Earth in September and has been known not to be an impact risk since May. Both campaigns have targeted known objects exiting the Sun's glare. They are only trying to improve their readiness for the next time an actual threat emerges.

BPDMisery

Looking for FA, would buying weekly calls at this point on BYND yield any return or just regarded

Tough_Plant_5680

Need to stay strong till the world wakes up. Then….. 

snakesoup88

Better than missing out on the FA and still FO.

Outside-Jello6336

Not a FA