Reddit Posts
Edward Jones advisor wants me to invest with him instead of on my own.
MON100 vs. MASTOP50 vs. Direct US (QQQ/VOO) – 2026 Tax & Fee Analysis for International SIP
$IMTE - Beyond a "Warning." They Got the Determination Letter and Fought Back.
How many of you use a financial advisor, and do they have you in mutual funds, etfs, or individual stocks?
The "Sell" button didn't work at $60k. I am physically sick.
DD: Alaska Airlines ($ALK) – Long dated puts on undisclosed loyalty thefts, and a $180M accounting anomaly
DD: Alaska Airlines ($ALK) has mischief in their books ($180M sized) are gaslighting their flyers and keeping secrets from the Feds. Short.
$MIGI $5 Million buy, 990K shares for 30% of the company.
Invesco’s QQQ outreach will continue until consent improves. Their drive to change from a UIT to an ETF.
Moving from professional management to self-management
How I plan for $Grab to build me generational wealth
How $GRAB will be my generational wealth builder
How Grab will be my generational wealth builder
📈 Traders: Get Perplexity Comet Pro FREE ($20 Value) – AI Browser That Automates Research & Executes Trades
MOBX is quietly building a wireless empire — deep IP moat, $100M+ cash
For the traders out there - how do you stay consistently profitable with TA when one single tweet can nuke the whole day?
Early af speculative Avalon Advanced Materials
$BZH - 16k USD 21st November, 2025 calls. 28$/35$. "Build America Great Again!!"
FCEL: Post-Earnings Swing Play – Targeting $10 on AI Data Center Surge & Korean Expansion
Rolled over old Simple IRA and 401K into traditional IRA - ambassador discretionary and 1% fee common?
BINANCE froze my funds for 30 days, then deliberately sent my withdrawal to the wrong address and blamed it on malware 🤡
$RADX Radiopharm Theranostics - on the brink of changing the landscape of radiopharmaceuticals and primed as a takeover target by Big Pharma
[DD] GOSS Pushed through Resistance today with a tightly held float and unusual Pressure building, and Days to Cover is Kind of Insane
Rakuten's 2FA login tries to tell me something
HCTI is going crazy in premarket. Already turnover of 400+m
Don't consider this as FA. HCTI premarket is crazy
$IXHL - steadily climbing over the past few days in the buildup to the press release.
$SLS added to Russell, new 52 week high, news imminent!
Curious to gain real world feedback for EJ Financial Advisor experience.
Investing & Trying to Understand the Risks with this
The conflict in the Middle East isn’t just a daily headline
RCKT: Trading BELOW Cash w/ 4 Shots on Goal – CEO Bought at $5.08
Do not change your password and do not log out!
PLUG ($0.77) - RSI 17.93 & Put/Call 0.18: 2019 Replay with Options Screaming Bullish?
Why does my financial advisor buy SPY over FXAIX in my Roth IRA?
$FWRD DD: Bonded Warehouses, Shorts, and a PE Takeover Setup?
YOLO’d $8,490 on SPY calls with no TA, no FA—just vibes. Made $6.8K. Still clueless. Might YOLO puts next just for the thrill.
Who regulates 529 Plans? Unauthorized changes to a account.
$MNTS ENTERS PURCHASE AGREEMENT TO GEN ~4M
$MNTS PURCHASE AGREEMENT EXPECTED to GENERATE ~4M PROFIT!
No reimbursement policy if hacked - IBKR Canada
$CDIO PART 4 American Medical Association Grants Cardio Diagnostics A Dedicated CPT PLA Reimbursement Code For Epi+Gen CHD, An AI-Powered Test For Assessing The Probability Of A Heart Attack Or Coronary Heart Disease Event
$BEGI NEEDS HELP BUYING SHARES @ .0024
What if you want a financial advisor... just not right now?
Do I need a FA to get my annual RMD from an inherited IRA?
Did anyone else participate in the Harvard investment survey posted on Reddit a few weeks ago, and get no response (possible scam)?
Puts on Devin Nunes' and DJT's failure jamboree
$HSCS UP 11-13% PRE Black Friday SALE
Struggling with the value prop of maintaining a relationship with our IAR/FA/CFP
Should I ditch our FA and manage this myself? Am I nuts?
$RNAZ AS OF 6:10 Eastern & Use This String Going Forward Please to Consolidate
Moving Roth from an advisor to Fidelity and seeking suggestions
Friendtech Bolsters Security with 2FA Protection Against SIM Swapping Attacks
[UPDATE - worth the read] Fiduciary FA Pushing Me (28F) to do an IUL
S&P to 1,500 at bottom. Next year sometime I assume. The PA and FA king up, it’s easy to see, it is moderately contrarian.
Mentions
My FA keeps telling me to trim SMH to 5% of my portfolio. It's currently around 24% and up 750%. I got in when I was making chip fab machines and saw the potential. Even if "AI" stalls, everything else needs chips. Everything. Defense, automotive, durable consumer, farm equipment, aviation, and it isn't slowing.
ye... we already know FA doesn't work. Vibes drive the market. But does it have vibe signals? Or do they just selling corporate bs to boomers?
I'm alittle late jumping in this post, but have been invested in LRMR for a couple months. Just a question: do you believe LRMR leadership including the Deerfield (35% owner) implicit goal is a buyout or commercialization? Are you still bullish here despite the uninspiring price action? I believe Nomlabofusp will be the standard of care because it directly addresses the underlying cause of FA, where Skyclarys does not. Thanks in advance
Don’t hold puts in AH or you’ll get ass blasted that’s FA.
Lmao congrats man, you basically speedran the “fire your boomer FA and touch grass in the casino” arc. Advisors taking 1 percent to feed you 5 percent boomer ETFs while YOLOs on NBIS outperformed is peak clown world. Only thing I’ll say is lock some of that in and don’t let one bad red week convince you your old FA was secretly a genius 😂
Financial advisers are supposed to go over any trades. If this isn’t a true FA / fiduciary I’d find someone who is.
Full porting puts on the bottom bollenger band bounce is solid FA.
NVDA and TSLA calls it is; thanks for the FA!
Fellow paranoid here. A few things worth knowing before you commit: Most aggregators connect via Plaid or similar middleware. When you "link" an account, you're often handing your bank credentials to that middleware, which then has ongoing access. Some banks now support OAuth tokens (Chase, Schwab, Fidelity, etc.) which is much safer - the aggregator never sees your password. Prefer institutions and aggregators that support this. Things to look for: \- Read-only access (no transfer capability) \- OAuth-based connections where available \- 2FA on the aggregator itself \- Clear data privacy policy free services often monetize your data \- A track record without major breaches A middle-ground approach I'd suggest: try \*\*Fidelity Full View\*\* or \*\*Schwab's MoneyLink\*\* if you have accounts there they're free aggregators run by the brokerages themselves, so you're not adding a new third party to the equation. If you want a dedicated app, \*\*Monarch\*\* ($100/yr) is the current favorite paid, no ads, no data selling. Avoid free apps if data privacy is your top concern. Also worth doing: freeze your credit at all three bureaus regardless. That's the bigger security win.
You can DIY, there is no secret sauce with FA now with AI. They will ask you a few risk questions and then put you into a standard template.
>When to meet with an advisor If you have read through the entire wikis at r/personalfinance and/or r/Bogleheads (no offense, r/investing), *and* you've posted any specific questions to any of these subs, and afterwards you still have a deficit you need professional help for. If all you need is a "how am I doing?" gut check, these subs should meet that need just fine for free. >I’m 27 Most people under 30 do not need a FA. Your finances simply aren't complicated enough to warrant one. Many FAs won't even accept a client who has less than $100k, sometimes more. >with 81k in investments That's generally good, but specifics matter. What's your income? >Maxing 401k, Roth IRA, and another 6k/year in personal brokerage account Excellent. Maxing 401k and Roth IRA frankly has you way ahead of most Americans, let alone your age group. Do you have a HDHP through work? If so, max a HSA as well. >About 80% of funds go into several index funds That's good, but what funds? It's possible to be needlessly redundant even with all index funds. > 20% are personal blue chip picks (Aamazon, Walmart, oreilly auto, nvidia,etc). I'd trim this to max 10%.
There is no IF if you understand the trial design. BAT mOS was set in 2024 and GPS mOS is probably still not set at FA. 25 months from the last patient being enrolled in a population that is lucky to live one year. The results are dramatic and at $7 SLS has far more upside than INTEL at $115.
Having my head shaved and then having a shower. Then at mid-day I'll be watching Celtic v hearts to see who wins the Scottish league, then it's the FA Cup final after that.
At least we know he’s overpaying for EAFE exposure. Also VOO, VTI, and RSP??? Bro is getting fleeced by some smooth talking FA. LOL.
I can help you with handling the large gains, you can diversity and defer gains. I’m an FA. Message me
Average up bro. I pounded the table on this at.024 and got down voted. I pounded the table again last week but got down noted again so i This will hit a dollar by end of September minimum imo. Also you can buy ECOX with confidence. Still dirt cheap for another easy multi bagger. Look at the 1 year, monthly , weekly, and daily charts. They are a thing of beauty. Not FA but man I'm telling you. Buy hold, stress free.
Basically, whenever a sell-side analyst or fund manager makes a BUY or SELL recommendation publicly on any media platform, they're recommending BUY. About 90% of them give BUY recommendation about 90% of the time. They do this especially for anything that went up a lot, no matter how absurd the valuation has gotten. Jim Cramer, Dan Ives, [most of the brokerages](https://www.fidelity.com/news/article/international/202605120853RTRSNEWSCOMBINED_KBN3NG1FA-OUSBS_1).
FAs are the biggest scammers in American business. Read heart breaking stories of underperformance, incompetence and even financial crimes on Reddit all the time. That has been my unfortunate experience giving them my investments at your age What has been this guy’s investment performance for you? Let’s use the financial Rule of 72 in comparison. It states that principal will double in 10 years with a 7% investment return. Principal will double in 7 years with a 10% return. Has your principal more than doubled in the past 12 years? The S&P 500 has averaged just over a 10% return for the past 100 years. The Nasdaq 100 has averaged just over 14% return since established in 1985. Index funds based on these indexes are currently returning similar returns. Is your FA providing this level of investment returns for you? What is his plan to improve your profits by buying market dips? What is his plan to make you profits during market crash cycles? I make nice profits = 10 -20% buying market dips and 50% profits during market crash cycles. Does he do that for you? What is his plan to convert your nest egg to dividend income securities at retirement to replace your work income for life? I did that and am getting more dividend income than I can spend and my nest egg is doubling every 7 years via reinvesting the extra dividends, not decreasing with 4% withdrawals that mean I go broke in 25 years. Ask the tough financial performance and financial security questions then, decide how to manage your investments. With 10% returns over 20 years you could be able to retire early.
Not the intent of the post. More curious if anyone has tried it in that regard. No different than asking an FA what stocks they would put you in. Just curious if someone has tried using AI instead.
I bought fundrise as a REIT (essentially) back in 2019, saw they were doing the innovation fund and put an addition 25k into it because I wanted exposure to some non public companies. Put more in right before the IPO. Probably will cover my investment and leave the profit in for a bit. havent looked into a FA yet but probably will soon.
the main reason for an advisor is behavioral coaching. a quality FA can help with a sensible asset allocation, and sticking to the plan during a crisis. there's data showing people with an FA often get better long-term results. https://www.opusfinancialsolutions.com/files/vanguard_advisors_alpha.pdf it's up to you to determine if you think you can avoid common investor mistakes like returns chasing or panicking during a crash.
Absolutely massive 13D/A filed by BlackBerry tonight detailing multiple institutional investor holdings. https://app.quotemedia.com/data/downloadFiling?webmasterId=102691&ref=320021959&type=HTML&symbol=BB&cdn=ec1a5f97c3b0e071bae14e7918ecd5c4&companyName=BlackBerry+Limited&formType=SCHEDULE+13D%2FA&formDescription=%5BAmend%5D+General+statement+of+acquisition+of+beneficial+ownership&dateFiled=2026-05-06
I'm an FA (Series licensed). The amount of people in their 40s and 50s who have nothing but $2,000 in checking and like $7,500 in an old 401(k) from 15 years ago is... Astounding
Open tomorrow will be telling. Look at the OI and check the opening volume this week. If we open in the 665-675 range, 5m green candle on open to 680ish and we should fly to $700 by 10am. If we open over 700, the pop is likely over unless we get a huge green candle. Not FA, I’ll be staring at a chart fullporting $700 C of the setup stays the same and we don’t see a short 4-5$ gap down in the first. 5 mins. My gut says 720+ or snap back to 640ish mid morning. But if we gap up, MMs have to buy to hedge the OI on 700C aka that pressure will move us into the call wall. SNDK will also be another sign to follow.
Skip the FA, you're doing fine. Don't hate the FA too much though, guy's just making ends meet.
FA can be useful but not the Edward Jones used car salesman types. I know somebody who works there, he said that they spent the first few weeks teaching you how to push their products and he asked do I have to learn about stocks and they said well that's up to you.
Here's the deal as an FA - If he says he can make more money than you can do on your own, tell him to put that in writing. He can't. The reality is that you need an FA if you need someone to help you stay on your plan. Just like you can lose weight on your own but you might have better luck with a personal trainer. If you are convicted in your investments and are going to stay the course long term then you don't need the FA. But if you had a 50% drop in your values tomorrow, would you still stick with the plan? Or would you panic sell? I know you'll say you would stick with the plan, but read this sub. Most don't. Most make irrational decisions based on politics or headlines or other things instead of just investing consistently and riding out the waves. FA's are not bad, they serve a purpose. But that purpose cannot be to neccessarily earn more than you can earn on your own. Maybe they can, but historically, most don't outperform the S&P 500. And that's not usually why you should hire one.
HOUR and MSS for tomorrow. Position yourselves early boys and girls. Not FA. Good luck whatever you choose 👊
net worth and retirement savings are two different and separate things. I have $2M in retirement savings, which is cash and investments with my FA. My net worth is twice that, but I don't count that as retirement, nor do I count the NPV of my wife's future pension or the NPV of future Social Security. That said, my Financial Planner has that all available in my overall analysis should I want to count it.
Have you actually gone to a FA and seen how they'd do a portfolio analysis for you? I did..they don't put your money in VOO. They try to blend you upside and downside protection and grow your money over time by trying to beat S&P500. Managing downside risk is overlooked by a lot of people who are dismissive about using an FA.
Reddit is the ultimate FA hater so don’t expect to hear anything good from here. Long story short ask people who manage their accounts on their on what their yearly avg is ( not talking only a few years) I’ve been with my advisor for almost 7 years now and I’m avg around 25% which is unheard of. My friend who does everything by himself who always asks me why I use one, is only avg about 15% per year. Why would I let him go if I’m doing about 10% more than him per year?
Logging into random website in 2026: \- Password must be 100 characters long, contain at least 50 special characters \- Please enable 2FA, please enter the 100-digit code sent to your mail, phone and by carrier pigeon to your home address \- Sorry, your account has been disabled due to 2 days of inactivity. Please create a new account
Have a FA friend who thinks I’m crazy for never selling my 1100 shares of nvida at 15$ ave.
I fired 3 FA’s before I started managing my own money. I never looked back. So I and millions of others like me believe we can do a better job managing our own money.
They just announced new contracts a couple days ago , cash positive ,no plans of dillution. IMO opinion very undervalued. I see easy $4 next week. If you plan to hold longer it could go higher. I am happy with 10%-30% gains but I just feel in my bones this price is still too cheap and has potential to go much higher. Low Analyst calls are $5 and high calls are $8. But those numbers could come sooner than later imo. Ince they announce actual dollar amounts on these contracts or another positive PR, it could double quickly. Just my honest opininion not FA but if you do a little DD you will understand why I see much more value here. Best vibes whatever you choose 👊
I'm still holding to see what today brings. $2.52 avg. So I am still sitting pretty. Imo it might move up today. Not FA. Best of luck on ticker of choice !
Question to ask is: how do you keep track of your portfolio? The value of a run in the mill FA is kind of limited. It usually falls on either TIME and/or basic knowledge (notice how I’m not saying expertise). If you lack either then some people find that 1% annual is worth it.
Get an hourly rate billed advisor for retirement planning. They'll charge you a fraction of what you're paying now. For the tax harvesting, seriously consider reviewing your previous tax filings to see how much you're actually saving compared to just holding broad market ETFs. I checked mine and realized I was paying 2x fees vs the taxes I was "saving" when using loss harvesting with a FA.
What did you need a financial advisor for lmao that split is near meaningless without an idea of the holdings. Just pay for a Claude subscription instead of paying thousands for the FA.
Guys this is gonna sound crazy but I tried to talk to my future self on what my regret was to not buying a stock by end of year to my current self, between NVDA NFLX MSFT and AMZN. and I just heard it was MSFT. This is NOT DD or FA, but I trust myself so I’m going all in MSFT calls tmw.
Guys this is gonna sound crazy but I tried to talk to my future self on what my regret was to not buying a stock by end of year to my current self, between NVDA NFLX MSFT and AMZN. and I just heard it was MSFT. This is NOT DD or FA, but I trust myself so I’m going all in MSFT calls tmw.
Not sure if this was mentioned before or if anyone cares, but Athena Technologies (ATEK) recently announced a PIPE and seems to finally be trying to move forward with the business combination. [https://app.quotemedia.com/data/downloadFiling?webmasterId=90423&ref=319996932&type=HTML&symbol=ATEK&cdn=089f3b0b86adc141fb29ed5196c9f4f7&companyName=Athena+Technology+Acquisition+Corp.+II+Class+A&formType=S-4%2FA&formDescription=%5BAmend%5D+Registration+of+securities%2C+business+combinations&dateFiled=2026-04-30](https://app.quotemedia.com/data/downloadFiling?webmasterId=90423&ref=319996932&type=HTML&symbol=ATEK&cdn=089f3b0b86adc141fb29ed5196c9f4f7&companyName=Athena+Technology+Acquisition+Corp.+II+Class+A&formType=S-4%2FA&formDescription=%5BAmend%5D+Registration+of+securities%2C+business+combinations&dateFiled=2026-04-30) [https://app.quotemedia.com/data/downloadFiling?webmasterId=90423&ref=319974822&type=HTML&symbol=ATEK&cdn=de2c48da880070f4f536a7cbbd2fb4e9&companyName=Athena+Technology+Acquisition+Corp.+II+Class+A&formType=425&formDescription=Prospectuses+and+communications%2C+business+combinations&dateFiled=2026-04-23](https://app.quotemedia.com/data/downloadFiling?webmasterId=90423&ref=319974822&type=HTML&symbol=ATEK&cdn=de2c48da880070f4f536a7cbbd2fb4e9&companyName=Athena+Technology+Acquisition+Corp.+II+Class+A&formType=425&formDescription=Prospectuses+and+communications%2C+business+combinations&dateFiled=2026-04-23) This is a combination with Ace Green Recycling (battery recycling), so not the hottest segment at the moment.
Agreed. Diversification is an annoying buzz word for FA’s. I had a “well diversified” portfolio in 08 and it lost 50%. The useless FA just looks at u and says “could be worse”. Today, 85% of my self managed portfolio is in the Mag 7 (No Tesla). Got beat up bad 3 weeks ago and got everything back +100k. These are solid, cash rich, companies with wide moats and will be involved in AI In their own ways. Higher returns out there - sure. Imho, absolute no brainer cos to invest in and will make u rich in the long run.
Starting to move already 1 min into ah. Very undervalued. Nice price to get in even now. I took a position earlier already. On it's IPO a year ago it ran to $24. Easy money on this one. Big move is imminent. Not FA but my honest opinion.
FATN position early or chase later. The move is imminent imo. Not FA. Good luck on your tickers of choice 👊
Yes bro. FATN to fatten my wallet is imminent ! Position yourself early now or chase later. Up to you . Not FA . Good luck on your tickers of choice 👊
A Fuck You for the ages 💪 🌮 FA and is FO
You’re getting thrown through a loop. They’re making as much money as they can off of you. This level of complexity suits no one other than your FA making money off of you lmao.
HOOD will recover to $80 by next week and then will consolidate till next earnings, then rips to $100 consolidates & ends they year at $110. (110% regarded analysis, lines drawn using crayons. Not FA)
You’re going to lose $5k before you hit a 10x on $150 OTM call options, particularly on a ticker like Google. NBIS premiums are expensive, but IV will drop Some and they’ll come down a bit. The thing is, it is a stock that can run $10-15 overnight. And they are going to be over $200 this yr unless macro fucks up The market. Not FA, nothing is guaranteed. This is a casino. Buy $15 or $150 worth of lottos on your favorite mag7 tickers every month, but big tech like Goog doesn’t swing $150 overnight. Maybe I’ll be wrong this ER and it’ll get fully repriced at $450 bc of their stake in anthropic space x, etc lol. Doubt it tho bun. TSLA and Meta can move $50 in a few days, so I guess that may have a better chance, but you need to understand volatility crush as well. And IV spikes leading up to earnings, which increases premiums on options. Once the earnings event ends, if it doesn’t move in your direction, or you’re positioned 50% out of the money on a 10% move in the direction you needed, volatility will drop by morning and will suck 8% of those gains right back out. I’m makng up numbers right now but hoping this is teaching you something. A stock that is primed for a new leg up and is volatile - APLD. Most APLD investors believe it should be $40-45 right now, with a 45-60$ price target at current guidance and revenue. It just pulled back and had very good news drop last week. Primed for new ath (which was 42-43? I believe). Good luck out there, I hope you hit you’re 100x 🫡 ✌️
Fid Go would be better for this. I can only assume there was some wonkiness between what OP wanted and what the FA understood and I also would think their NW is considerably higher and maybe this is a "test run" of sorts
Yeah.. that was my point. This is just an overly complicated way to do something that you could do with 3-5 funds, no FA fee, and very low expense ratios. It’s making it complex to trick the client into believing they need a FA.
Don’t do it. FA’s are 100% useless. Little homework on your part and you’ll save yourself a small fortune. The only thing an FA will guarantee u is their fee.
You are far better off slowly moving to 70% S&P 500 over a one or two year period given the high valuations and likely low returns over next decade. Then annually rebalance to cash or to stocks with the remaining 30% depending on how the S&P performs. I’d be hesitant of any bond fund outside Oaktree. The market doesn’t care that you have capital to invest today, but FA’s will put that money to work right away and you will have no ammo when opportunities arise. Going from mostly to cash to mostly stock should be done slowly outside of a market crash imo.
Yeah this looks great and not overly complicated at all. Definitely in the best interests of Fidelity. Ask your FA if he can give you a ride in his new Porsche.
I think its a good time to get into INHD now .11 to run later and/or pm tomorrow. It is looking primed to fill the gap to .20. Not FA. Good luck on your tickers.
Love it ! Been in since RNWF at .023. Holding strong and keep adding on the dips. This thing will rocket even more within the next coming months. Probably doubles easily by end of June if not earlier. Best OTC stock out there. Some call it a scam but if you look at their recent group of hires , these people are legit. Lot's of catalysts coming up ! I mentioned it a while back and a couple of more times but stopped as I don't want to sound like a spammer. Not FA but imo opinion this is a stress free buy and hold OTC stock low risk high reward for massive gains. Good luck to all your tickers of choice 👊
It came from RH's actual email, not a random Gmail account. But absolutely yes 2FA is essential and everyone should have that setup. That was actually my first clue the email was some kind of fraud, I never got a corresponding 2FA request despite the alleged login attempt!
I have analyzed various portfolios financial divisors have proposed to a recently widowed friend. The typical portfolio has 10 or 12 ETFs, but backtests showed the performance is nearly identical to a basic 3 ETF bogleheads portfolio with the same US, international and bond allocations. The complex portfolio is partly a justification for the FA's fees, and also partly to increase the opportunities for tax loss harvesting.
Software at a FA[A]NG
Do you know how much you will be paying in fees to your FA throughout the years
I would fire your FA. Get a non-discretionary account, so a FA can’t make trades without your approval.
TLDR to my response. Mag7 id go Goog, AMZ, Meta, MSFT (I tend to not pick MSFT but it’s MSFT and unless it’s at $450-500 it’s probably undervalued). APLD, POET, NBIS, MRVL, AVGO or any strong photonics, data center, or cloud computing ticker. Not FA - gotta pick what you believe in or you won’t hold through drawdowns and bear cycles.
Who FA'd and who FO'd? Lol this is the best case study for a intermediate college class.
get in SCNI it’s trying to pump not a FA
Are you talking covered calls? Put selling? I still think you need an understanding of Technical Analysis for options. FA tells you why, TA tells you when and how much. I don’t know of any free public sources that give away master techniques for options. Quite the contrary.
If you want to double your money in a month or so stress free buy AMFN. I called this out at .023 over a month ago when it was RNWF. I am still holding. Current price is around .065 I expect at least .10-12 cents by end of May. Not FA. Good luck on all your tickers of choice.
Im assuming youre also deathly afraid of 2FA codes as well?
You probably won’t see this commend but Gotham has a nividia stock tax loss harvesting strategy that utilizes derivatives over time to reduce cap gains and protect your gains through diversification. It’s considered an alt so you would need to be placed by an FA. I know because I am an FA and have done this for a client. It’s a new product.
Imagine taking FA from an israel owned news network.
I'm an amateur and a newbie, but I like watching it, since I know nothing will make me go off the plan. I've promised my FA I'm not a panic seller. But I am enjoying the ride.
I agree with the sentiment, you don’t even need a report to know the economy is in absolutely terrible shape right now. You just have to look around. That said, it does not necessarily mean a stock market crash. I’m certainly not confortable that I have most of my money in the market but right now I think the worst thing you can do is sit on cash. I tend to be a doom and gloomer, and came very close to going cash last year but my FA talked me out of it. In the last 12 months my investments are up over 30%. That same cash sitting in HYSA probably lost 7-8% spending power/value. Buy hard assets if you don’t want to stay in the market, but you’re getting your ass kicked by sitting on cash.
No dog in this fight, they probably should move to etfs and just let it sit. However, assuming you mean gathering/retaining assets for FA's, there is no monthly quota at MS for a year end bonus. Please post your evidence of this.
Morgan Stanley is expensive — charges 1.25% PLUS additional fees anytime you buy/sell anything (it adds up!) & your account is only as good as the FA :/ or they just stick you in a bunch of ETF’s anyone can do themselves. Unless you know the FA is worth the cost, ideally find one who charges under 1%…
This! Nobody thinks about how much their “money guy” costs them over the long haul. FA‘s are completely useles.
A 50 fund “satellite“ portfolio? This seems like way more effort than value. Something a FA would put together to make it look like they are putting in the work. This is just an AI made setup right? What are your numbers, gains, anything? How long have you been running this? What is the goal, retirement? Fun?
I received a call from my local Schwab branch about this "options overlay strategy " the other day . I manage my own account with a non Schwab fiduciary . The local branch FA has never been pushy but I know they would like to get their hands on my account.
I’ve recently come across a YouTube channel that’s been mentioning it along with a host of other stocks, they also give a rundown on the markets and provide their own mostly TA with some FA. StockedUp is the channel name Maybe they’ll mention something else that you’re considering.
1. NaIKE assistant integrated into your shoes to tell you when it's untied. But you'll have to give your personal info to Nike including your name, phone, address, email, SS#, grandma's maiden name, a picture of your driver's ID, and a video of yourself dancing to prove it's you. Then you'll have to login each day before running or it doesn't track your runs/walks. But when you do they'll make you 2FA your app from where you also have to login. Also you'll have to pay $10/mo for this service. Per shoe. 2. OpenAI chatbot on the Nike site. Self explanatory. Great for savvy Chinese AI engineers to get ChatGPT to write/correct their own codes/ai. But horrible if you just want to return a shoe or talk to a person. 3. Anthropic collab will create the: **Nike Aigentic Aigent** It's integrated into all future Nike products. It will monitor your shoe wear and immediately schedule you for Nike Premium Dealer Maintenance. Recommended by Nike to keep your Nikes fresh either every 6months or 500miles. 1000miles if you're using Jordan PREMIUM synthetic petroleum products. NOTE: Not using authentic Nike parts via an authorized Nike dealer will void any existing warranty and block the product from Nike resale channels. $5/mo or FREE with digital ads plan.
I think ROLR will run again. Big buys stepped in. Not FA. Good luck on all your tickers of choice.
I’m not on his team so I don’t know him very well. Because I feel not very qualified for my job, I’m hesitant to just go up and be like “I don’t know shit about shit, teach me your secrets.” In my position first impressions with the FA groups are SO important. I would like my first interaction with him to be confident and knowledgeable so when I am in the position to be looking for a group to pick me up, I’ve got a better shot.
You can be certain there will be PLENTY of distractions from your VP (Not from POTUS Bibi) to keep you from watching THEE CNN interview tomorrow evening. $hort BTC. FA. https://preview.redd.it/ovyr3ymausug1.png?width=370&format=png&auto=webp&s=1448081a3f7718399ce45607ee7104df82cca13c
They're like: FA.. 🤷♂️ Go ahead 🤷♂️
ISPC WGRX AIXI not FA
NXTS is next in line to run. Micro fliat s. Gaining attention. Not FA. Good luck to all your tickers of choice.
MIGI is the stress free play until the merger is announced within a couple of weeks. Then it should pop hard. Not FA . Good luck to all !
Play it safe for sure - it also means that your FA is not trying to make a lot of fees from you. He/she is aware that given current market conditions (middle east war), it's better to be cautious for sure.
I mean go the extent you mean that vanguard calls short term 1-3 years and long term 3-10 years, sure I guess. Reasonable minds and varying risk tolerances can differ on the exact breakdown. However, the bottom line is that money you need in the near term (eg, house down payment or emergency fund) should absolutely be in zero or low risk options. If that’s what you’re saying, that’s getting rather pedantic though, wouldn’t you say? If that’s not what you’re saying, I’d suggest you check the number you’re calling, because it’s certainly not a vanguard FA
Online stuff is loud because “go aggressive” sounds exciting, but your FA actually isn’t putting you in some ultra conservative setup. You’re 100 percent in equities here, just spread across large cap, small cap, and international. That’s already pretty aggressive for 35. If you want more “spice,” you’d be looking at tilts like more small/value, not just cranking risk for the sake of it.
What do you have a FA over at Vanguard ? are you paying any fees at all ?
Good questions and thinking. I now know a decent bit about preferreds because I work in wealth management as an analyst and the FA I work for buys a lot of them under par for the nice yield and potential capital gains. Basically a firm can indeed buy back its preferreds in the open market and would be incentivized to do so if they were under par because that would be very profitable to raise money and pay back less principle than you borrowed. So firms love buying back their preferreds when they trade under par. However, they can ALMOST NEVER buy back their preferreds if the preferreds have dividends in arrears. They must pay the missing dividends before they can repurchase. The other reason a firm may buy back preferreds at par is because they can re-issue at a lower interest rate and bring down their cost of borrowing. So for your situation the risk is default. If there not paying dividends that’s not a great sign. Management can only buy back the preferred if they payout the dividends. Hope this helps, preferreds can print money but your ultimate and most immanent risk is always growing concern (bankruptcy).
Lots of comments, so I'll just add the following... Create a portfolio for yourself. Take a fictitious $76k and put it into whatever you think is the right thing. Hold it, trade it, do whatever you want for a year. Then compare the returns (fictitious as they may be) to the returns your FA got you. Generally speaking, a year should be a long enough period to give you a sense of performance. Sometimes you'll get lucky for 3 months, but if your returns are luck that will run out over a 12 month period. After a year, you may decide the FA really knows what they are doing. Or you may decide that you know better than them.
why do you guys have FA's and still question their entire existance? if you can do it better, diy and safe the money on the FA. idk, i dont get these posts...
A decent FA would base this on your risk tolerance, so there’s a good chance you came across as more risk-averse than you think.