I help B2B Founders Get clients on LinkedIn I Through Founder-Story-led Marketing.

I help you bridge the gap between who you think you are and who you truly are. So you can achieve what's on your mind and bring it into reality. 

I focus on:
-Self-Concept and Self-belief: The stories you tell have weight, I help you transform into who you truly are.
-Value based system for goal setting: If you or your team are setting goals but not achieving them, I help you get clarity on what you want and why you want it, so you can set goals from a value-based system to achieve them.
-Rewiring and transforming your belief system: It all stems from your beliefs and what you think is possible for you vs what you can truly achieve. I help you transform your blocks into power and having your mind working with you instead of against you.


3 ways I can help you:

-Yearly workshops and 1:1's (for 7 and 8-figure organizations)
-1-on-1 Tailored coaching (for 6-figure entrepreneurs)
-Yearly support and transformation (Beyond Becoming - community for business owners under $90k a year who want to transform their business by transforming their mind).

Why do I do what I do?

-Last year I got into an identity crisis when I burnt my business to the ground and started my life from scratch. Since then, I gave myself permission to start a podcast and transform my life by helping others transforms theirs. There will be suffering in life, but we aren't meant to be stuck there.

So I decided to be the bridge of transformation.

DM for enquiries.

___________________________________________________________________________________

**If the term "Identity coaching" is new to you, here's the best way I can describe it:**

Identity coaching is about shifting who leaders and teams are being, not just what they’re doing. I help uncover and rewire the unconscious patterns driving decision-making so they can lead, perform, and grow from an empowered place, which creates stronger leadership, culture, and revenue.

Mindset treats the symptom, identity treats the root.

Geni Cor

I turned 30 on Sunday and here's what I learned in my 20's:

1-No one will validate you or you dreams, you carve your own validation and people will jump on it later.

2-People won't see you until you see yourself. Learning how to be your own biggest cheerleader will change your life and your career.

3-No goal is too big or too far from you. You and your goals are one. The gap between these is your identity, work on your inner world like your life depends on it, because in some extend, it does.

4-It will never be what you think, it will always be what is. Make the most of every season of life, they are preparing you for a bigger assignment.

5-All we have is now. Learning to be present is as important as carving a vision for your life, don't lose sight of what you already have on the chase for more.

6-Confidence isn't a given, is a development. No one will give you confidence. You gain and earn your own level of confidence by the actions you take, the habits you create and the people you choose to surround yourself with.

7-If you have a big dream, and don't chase it, it will keep calling until you go all in on it. Your dreams don't wait for the right time, the time was always right.

My 20's were truly a whirlwind but I've learned so much about life, about success and failure, about people, about myself, about the world. 

And I believe they were the foundation for what's to come in my 30's.

Here's to another decade of screwing up, figuring it out and reaping the rewards.

Why do so many people struggle with change, even if they want it?

This has been a question I've been asking myself a lot the past year.

I asked this question to all the guests that came on the show.

And here's what I found out:

People want change, but also feel pulled by comfort. Our brains aren't designed for risk but for comfort and certainty.

But also, the same brain seeks challenge, seeks change.

What will determine IF or WHEN that change happens is our identity.

The stories we tell ourselves will shape who we think we are, and therefore the action we take towards change.

A study from the university of Wyoming showed only 6% of people achieve their goals and a fulfilled life...the rest? Live in autopilot knowing they can and could be more.

Since doing my research on this, it has lit a fire under my ass to help people start walking towards that change.

For me, that thing that changed my life was my podcast.
Was it easy or comfortable? I will give it a fat NO.

It is still not easy. I face challenges everyday.

But because I've worked hard on my identity and the story I told myself, change has happened and my life has taken a turn for the better.

So, on this fine Friday, I want to challenge you with this question:

What is one thing you want to change this month?

Writing down and see what comes up. Where your fear is, there is your task.

P.S: I help leaders launch or grow their podcast in 90 days, message me if you've been wanting to launch or grow your show and we will have a chat!

Unconventional things I tell my clients NOT to do when launching and growing a podcast (If you want to have a profitable podcast, save this):

1-Scripts: First thing I tell them is to ditch the scripts. 
They aren't recording a VSL, they are sharing experiences, stories, lessons. 
Your life isn't scripted, why would your podcast be?

2-Following Trends: If you look around, you will see every podcast talking about manifestation right now, that's a trend. 

I tell my clients to not follow trends, but to INTEGRATE the trends within their episodes. This was a game changer for me. It made me standout, instead of being a copy cat of other big shows.

3-Hour long episodes: At the beginning you will struggle to even record a 30 minute episode (solo), shorter episodes make it easier to communicate your message clearly and effectively. And they make it easier to gain audience and retain them.

Podcasting is an art. 

And like all other arts, the painter decides how beautiful they want to make their painting, but technique and precision is as important as what's being portrayed.

What people don't tell you is you can set up your podcast for profitability and success from the very beginning, but the how is as important. 

I am taking 3 leaders to work with them 1-on-1 to start or grow their podcast.
Send me a DM with "LAUNCH" and we will grab a chat!

I am rooting for you!!

Non-unconvential way to grow (and blow up) a profitable podcast:


Be yourself.

That's it. 

That's the post.

(no in all seriousness, the more authentic and raw you are, the faster your podcast will grow).

Here are 3 things I would NEVER do if I wanted to grow your business or brand through your podcast. (Save this)

1-Outsource guest booking for "time's sake": 

This is probably one of the things that will damage your podcast AND brand the most. Booking agencies charge around $3k a month to book you guests (that might not even be the good fit for you). They might book you big guests, but they care about placement.

Learn how to book big guests yourself from the very beginning. The network you will gain is quite substantial and that will pay x10 more long-term.

(I still do this 18 months into my show and I won't outsource it)

2-Use your podcast as a billboard to promote your business: 

For the love of God...don't. Your podcast will bring leads, opportunities...whatever you put in, you will get...BUT, Podcasts are made for connection.
If all you care about is flood your show with promotion...your drop out rate will be high and people won't even stick around to even hear about your offer.

3-Posting x2 a month and expecting your show to blow up:

Podcasting is a long-term game, but it is also a compound game. You will reap the most the more consistent you are and the longer you stay in the industry.

People will still listen to your episodes even if these are 6 to 12 months old. 
If you keep a consistent release schedule (optimal x4 a month), you will see compound growth all over.

These are my 2 cents, from someone who did almost everything herself (still do).

Do not follow all the advice you hear out there.

I didn't start my podcast because it was the right time.

I started because I was struggling. Bad.

It wasn't the right time, under the right circumstances.

Finances were not on my side either.

But I was at such a low...in such a pit...that I had no other option but to get myself out of the hole that I was in and start.

I was scared. 

I didn't know people in the industry. I didn't know how to record podcasts. 

What to ask. Who to interview.

But I knew that not starting wasn't going to solve this. 
Entertaining the thought of "starting" and not do it...
It would only make it worse.

I knew that If I were to look back on my life a year from now and still be in the same place..I wouldn't forgive myself for it.

I knew something had to change and I had to lean into that nudge in my soul that said " Just go do it. Just start".

And I am so glad for it, because almost 2 years ago I couldn't recognize myself or my life. And what started as a Hail Mary to save my mental health...has become the lighthouse that's helping thousands change their lives.

And change mine in the process.

Starting or growing a podcast can be daunting, but it doesn't have to be.

I am taking 2 more founders to work with 1-on-1 with me over the next 3 months to launch, grow and monetize your show.

If you've been feeling that nudge inside of you that says "Just start". I'd love to help you. Send me a message and we will grab a chat!

I made $19,400 the last 30 days through podcasting.

I never share numbers or brag about it...but I hope this encourages more leaders to start their show.

I started House of Impact back in 2024, I launched 31st October 2024.

It took me 15 months to monetize. 

I wasn't actively promoting any of my services. 

I stopped selling completely for over 12 months, because I thought I could *only* monetized through downloads.

Whilst downloads have quadrupled since then and brand partnerships are starting to roll in...that's not the only monetization path.

I wish someone would have told me this when I started:

3 ways I monetize my podcast (and make the most money and impact I've ever made):

-Consulting/Coaching 
-Guest placements (some guests pay X $$ to come on the show)
-Integrated brand partnerships
-Keynotes

This 4 monetization paths have only recently opened up...but they were always there. I just wasn't open to see it.

Podcasting is a long-term game, but it is a game that, if you stay in the arena long enough (2 years+), the compound effect it has on your business, your life and relationships is just...exponential. 

There is nothing like it, truly (coming from someone who's been in marketing since 2019 and has done it all).

People look for human connection, and podcasting is how you create connection, trust and authority.

I am on a mission to help 3 leaders to launch/grow their show and open up a sea of opportunity for them and their business. If starting a podcast has been on your mind...don't let it sit on the back burner. Send me a message and we will grab a chat to work with me 1-on-1.

I hope this encourages you to start and go for it. 

Thank you to everyone who supports House of Impact and my journey. You mean the world to me and I am grateful for it all!!

Here's what having a Podcast can do for you:

I've talked with a fair amount of leaders who think a podcast is a "cool passion project, nice to have side quest". 

Fair enough, I also thought that when I started.

But what if I tell you, that exact belief is what's holding you back from:
-Starting and launching your show.
-Receive the wildest opportunities ever.
-Grow your business in an "unconventional" podcasting way?

When I started looking at monetizing my show, I was really close minded:

"I can only monetize through CPM (Click per Mille), which is going to take a good 2 years".

But there was this day not long ago, when I woke up with 3 DM's from 3 different people asking for help to start their show.

I also then saw another email from another brand requesting a collab and potential partnerships. 

My light bulb went on and it hit me like a Whitney Houston high note.

"What if there was a way to monetize a show without waiting for it to blow up?"

So I started monetizing my own show first, through:
-Consulting and Coaching
-Integrated Brand Partnerships
-Keynote speaking
-Guest placement

And I realized something that changed me from the inside out:

"I can only imagine there might be a lot of people who don't start a podcast because they disqualify themselves before starting. What if I could change that?"

So I started working with leaders to help them launch their show, bring their passion and their strengths to the forefront, and help them grow their business and personal brand.

This was never in the cards for me, but all the suffering and the 2 years trying to figure it out have paid off.

So, if you're holding yourself back thinking you're not "qualified" I hope this post makes you think twice and encourages you to take that step and just start.

And if you want guidance and cut the process in half, send me a DM and we will have a chat.

It isn't easy, but it is worth it.

P.S: This is a pic of me when I went onto other people's podcasts and I took a pic as if I was a "podcaster". I was also not ready, but I did it anyway, and now House of Impact is a global show that's listened to in more than 67 countries in its firsts 15 months.

"You need to niche down, your podcast can't simply be about self-improvement, there are too many".

I got told this at lest 10 times in the first year since launching House of Impact.

I got told this by marketing "experts". But every time someone told me that, I got a bit "triggered". 

For a second I really gave it a thought "should I just stick to what I've known and done for the last 7 years?"

That comfort zone for me, was business and marketing.

But I knew that House of Impact wasn't just going to be another 
"self-improvement" show. I knew it was going to make an impact and blow up.

So I didn't listen. And I am glad I didn't.

Because after 18 months of doing this consistently and having had the pleasure to talk with the biggest guests in the industry, I realized:

You do not have to pick a niche or "niche down". 

Your story, your journey...THAT'S the niche. The niche is YOU.

I never tell my clients to "pick a niche", the first thing I always ask them is "what's your story?".

Don't treat your podcast like another marketing strategy. Treat is as a space to share your story and amplify your impact.

Have you ever been told "niche down"? Let me know in the comments👇🏻

I created House of Impact because I was seeking change.

Not only in my own life, but in the life of others.

I stepped into the podcast studio to record my first episode (which I had to re-shot 2 months after) on March 21st 2024.

I had no expectations.
No script.
No fancy speech.

But I had one goal in mind:
Impact 1 life. If I was able to do that through my show...

My goal was accomplished.

After reading a research paper on change and living a life of purpose...
I found out that only 6% of people feel fulfilled in their professional and personal lives.

For some, 6% isn't that bad, for me...that number hurts.

l I was looking for was change. Change in my personal and professional life.

So I started interviewing those who were at the other side of that change.

1,5 years later...House of Impact is impacting thousands of lives, helping people realize they CAN indeed change...and, maybe, grow that 6% to 10% in the following years.

I've had a lot of calls this past week with a lot of great leaders and professionals looking for that change in their lives and careers.

And I wish I could scream from the top of my lungs that podcasting will bring them that change....

I can't do it for you unfortunately, but what I CAN do is guide you on that path to change, guide you and hold your hand and empower you to start your own show. 

The time is now. Podcasting is only starting to grow as an industry and those who jump on the bandwagon this year, will see their shows go mainstream in the following years.

It isn't easy, but it is worth it.

P.S: I am taking 3 leaders who want to start or grow their shows and work 1-on-1 with me to create real change in their lives and the lives around them. Send me a DM and we will grab a chat!

Here's what I would do If I wanted to start and monetize a podcast within the next 3 to 6 months:
(from someone who went from nothing to a Top ranked podcast)


1-Story over education (first 5 episodes):
The single thing that drives most downloads and partnerships is storytelling.
Who are you, where did you come from, why do you do what you do, what was your turning point, how can you help?

The first 5 episodes I'd solely focus on communicating your vision and let people relate to you.

2-Strategic guest placements:
I'd look for the top or most relatable guests in your industry that have a specific audience (piggy back from your guests audience here is HUGE).

Ex: You're helping people invest smarter and grow their wealth, bring a guest who's been on other podcasts and has a more established audience. 

3-Communication over perfection:
Podcasts that grow and bring big guests, don't have it all perfect, in fact, they are messy behind the scenes, but they own a VERY powerful skill: The art of effective communication.
Know how to communicate your vision to your guests and partners...and you'll be set up.

4-Set up the show for monetization from the GET GO:
Biggest lie in the industry is: You need 100,000 downloads to get monetized.
I call that "horse crap". You do NOT need to be on the charts to monetize.
But you need to know what value your show brings and how this can help other companies advertise their products/services. 1 or 2 aligned partnerships can bring in multiple 5-figures.

5-Get over the fear of speaking your truth:
This is a BIG one. Getting over the fear of exposure will bring you more growth than strategy. Trust me. Speak your truth. BE BOLD. BE POLARIZING.

This will help and connect with your audience more than being "politically correct".

And last one...for the love of God..HAVE FUN.
People can tell when you're faking it or forcing it (and so do companies).

Have fun, loosen the grip.

Do these resonate? Let me know in the comments👇🏻

P.S: I have 2 spots left for my 1-on-1 coaching program to grow and monetize your podcast. Won't be doing any more 1on1's after this. Send me a DM and we will have a chat!

Financial planning and education (without the jargon) I Creating blueprints for high-earning sales executives and business owners

I left the financial industry because I saw a problem.

People wanted to work with a planner, but they ended up becoming a number on a spreadsheet.

I had to leave to start something new.

And now?

I'm a fee-only planner who helps salespeople & equity compensated employees under 45 give a purpose to their paycheck.

I left the large financial institutions to start my own independent company. I did it so people could pay for real planning and not just an agenda to sell a hidden product. 

As a true fiduciary, Pashman Financial, LLC was built on that promise by focusing on you and you only.

🔵 Why people hire me? 

Well, people have come to me with the following problems:

- They want peace of mind with their money
- Their old advisor barely communicates with them
- They want an answer tailored to them, not from Google
- They felt pressured to buy a product that wasn't a right fit
- They are great at making money but struggle to keep it
- They want a simple plan that's easy to understand
- They want someone to hold them accountable
- They want someone they can trust

🔵 What are my services?

I help identify your goals, craft a financial blueprint that lays out action items to hit them, and monitor your progress. 

💵 Cash Flow Management  
📈 Equity Compensation
🏡 Real Estate Planning
📊 Investment Planning
📍 Retirement Planning
🛡 Insurance Planning
📚 Education Planning
💲 Tax Management
💳 Debt Repayment
📃 Estate Planning

🔵 Who do I serve?

Age: Individuals and families between 30-50 years old
Target: Sales pros, tech employees, other millennial families
Location: Virtually anywhere in the U.S.

But I love working with people that are driven to make a change. So even if you don’t fit these criteria, feel free to reach out. Your personality is everything. 

🔵 Why I'm different?

1) My model is primarily a flat fee service. No time trap. 

2) I do not require you to hand over your investments nor require a minimum to work with. Managing your assets is optional and I'll still assist you if you do it yourself. My focus is ongoing financial planning. 

3) I focus on how to increase your cash flow, not just your assets. I work with you to ensure your systems are set and consistently educate you on how your finances work. I get paid to truly keep you accountable over time.

You can find my pricing in my "featured" section on the website. 

Stop delaying action. Shoot me a message to schedule a complimentary intro.

Max Pashman, CFP®

50% of people have no idea what tax bracket they're in.

And most think more taxes mean less income. WRONG.

It's not a flat rate. 

The US tax system works at a progressive rate. 

In other words, each level of income is taxed at different rates. 

As new income is included, it is taxed at a higher rate. 

BUT that doesn't mean all of the income is taxed at that rate. 

The highest tax rate is called the "marginal rate". 

The overall tax rate (taxes divided by taxable income) is called the "effective rate". 

Big difference!

Helping Founders and Executives Plan for Early Retirement and Exit

You could skip your annual $7,500 vacation with your family.

Instead, you could contribute to a Roth IRA.

At an average 7% return, over 30 years, that $7,500 annual could grow to about $708,000.

By skipping it, you’d be closer to your retirement.

But there’s one problem.

You traded moments with your family for a bigger portfolio.

Your children will be yours forever.

But they also won’t be kids forever.

For some families, prioritizing these moments matters more.

Because what good is a retirement if it means sacrificing the life you care about along the way?

Most people focus on return on investment (ROI).

We try to focus on something else.

Return on life.

ROL.

Your RSUs are income not investments
Your RSUs are income not investments
Your RSUs are income not investments
Your RSUs are income not investments
Your RSUs are income not investments

There's a reason it has "compensation" in equity compensation. 

It's because they are treated just like your cash. 

Don't believe me?

When they vest, check out your W2. 

It's listed right there next to your salary (your cash compensation).

They may be withheld differently, but it's taxed just the same as income when it comes to tax season.

If you leave it as is, sure it's equity that be treated as an investment. 

But the moment you get it? May as well be just like your cash compensation.

So if you don't know what to do, answer one question instead:

"If this was cash instead of equity, what would you do with it"?

Would you save it?
Would you spend it?
Would you invest it?
If you invested, where?

Your answer really dictates how you should reallocate it.

Especially based on...drum roll please*.... your goals! 

You're already taxed on it when it's fully vested.

Your choice of what to do from there.

Most have no clue what a write-off does.

Here's a quick breakdown of what it is:

A write-off is merely a deduction.

So use the example:

→ You get a $20,000 expense to write off
 → If your income starts at $200,000?
 → It gets lowered to $180,000
 → So what does that mean?

Here's what it does not mean:

IT DOES NOT MEAN $20,000 LESS TAXES.

A deduction does one thing:
Reduces income taxable.

In this case, a single person in 2025:
(Using only federal taxes in this example)

→ The entire $20,000 is in the 32% bracket
 → The amount taxed? $6,400 federal
 → So with the taxes saved?
 → You netted - $13,600

So yes, you saved more in taxes.

But you still spent money in the end.

It's not a dollar-for-dollar save.

It's a reduction in income taxed.

Big difference!

Note: Post is purely educational and not financial or tax advice*

Capital gains taxes can be your biggest ally or your worst enemy.

Here’s everything you need to know how they can affect your tax bill:

What is a Capital Gain?

It’s a tax applied when you sell an asset for a profit.

These assets can include:

-Stocks
-Crypto
-Real estate
-Businesses
-Personal property

There are two types of capital gains:

Short Term (STCG):

-> Assets held less than 1 year
-> Taxed as ordinary income

Long Term (LTCG):

-> Assets held more than 1 year
-> Taxed at preferential capital gains rates, separate from income taxes

Here’s a breakdown of the federal long-term capital gains rates for 2026:

Single:

-0%: $0–$49,450
-15%: $49,451–$545,500
-20%: $545,501+

Married Filing Jointly:

-0%: $0–$98,900
-15%: $98,901–$613,700
-20%: $613,701+

Relative to income brackets, you can see the immediate difference.

For Example (Single):

If you earned $200k and had $10k in STCG, it’s taxed as ordinary income.

Assuming a 32% marginal tax rate:

$10,000 × 32% = $3,200 in federal taxes

For $10k in LTCG, it’s taxed at the capital gains rate:

$10,000 × 15% = $1,500 in federal taxes

A huge difference!

But here’s where people mess this up:

Your capital gains rate depends on your total taxable income.

“Taxable income” is your adjusted gross income (AGI) minus below-the-line deductions (standard or itemized).

Which means those ranges include both your income AND your capital gains.

Example #1: Single, $50,000 Income, $10,000 LTCG

Total taxable income: $60,000
This puts all LTCG in the 15% bracket.
Tax:
$10,000 × 15% = $1,500 (Federal)

Example #2: Single, $30,000 Income, $10,000 LTCG

Total taxable income: $40,000
This falls entirely within the 0% bracket.
Tax:
$10,000 × 0% = $0 (Federal)

Example #3: Single, $30,000 Income, $20,000 LTCG

Total taxable income: $50,000
The income takes up the first $30,000.
Leaving $19,450 left in the 0% bracket.
$19,450 × 0% = $0

The remaining capital gains spill into the next bracket:
$550 × 15% = $82.50
-> Total LTCG tax: $82.50 (Federal)

This is why being strategic about when you realize capital gains matters.

By spreading gains over multiple years, you may take advantage of lower brackets.

Finally, remember:

Capital gains are not taxed inside tax-advantaged accounts
(e.g., 401(k)s, Roth IRAs).

That’s why most tax-loss harvesting opportunities live in taxable brokerage accounts.

Disclaimer: This is for financial education purposes only and not financial or tax advice.

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pashman-financial-llc

schooloffinances

"W2 employees never become millionaires."

Bulls***. I've consulted with 100s entering early retirement. 

Many were W2 employees, never actually owning a business. 

Or at least use it as a primary means of accomplishing millionaire status

They've crossed that point using the following methods:

- High savings rate towards stocks and real estate
- Equity compensation (More commonly via ISOs)

Owning a business is a massive opportunity to get there. 

And we've seen people retire early thanks to it too.

But it's not the ONLY method to create wealth.

Gotta pick that path that aligns with you.

But what do they all share in common?

Not sitting on the sidelines. 

They let investing take action. 

You earned hard for your paycheck. 

Now make it work harder for you.

A 👏 401k 👏 IS 👏 NOT 👏 A 👏 SCAM 👏

Here are some interesting facts about it:

- Has higher contribution limits than an IRA
- Provides a match via an employer
- Does not have income limitations
- Can offer a Roth component
- Can provide a Mega Back Door Roth

But you're probably thinking...

"My money is trapped in here forever!"

Not really. 

Why you won't generally get penalized until you are 59 1/2, there are exceptions to this:

But there are exceptions to getting funds out early penalty-free:

- Roth Conversion Ladder
- 72(t) Withdrawals (SEPP)
- Financial hardship (if allowed)
- Qualified Reservist Distributions
- Medical expenses
- Rule of 55
- Disability
- Death
- Etc.

In other words, you can take your money out with exceptions and specific strategies.

It can be an excellent vehicle for financial independence. 

Do you have a 401k?

- - - - - - - - - - - - - - - - - - - - - - - - -

If you like these visuals you'll love my newsletter with more visuals like this.

Be sure to be subscribed below:

https://lnkd.in/gJC9mTQH

I love it when LinkedIn Influencers are like "the new algo is hurting my reach" and I will look at their content and think yeah it's definitely not the algo bro...

Investing in moments like these, where AI isn't around for miles, is becoming one of my favorite things to do. 

Feel like this is going to be a massive trend in 2026 in beyond. 

Make sure your financial plan accounts for them! 

What experiences are you investing towards?

This is your reminder to get lost in nature. 

Just don't get lost in your finances. 

When you're ready, we're here to help :)

Joe w/ $50K wants as much as Mia making $100K. 
 
Mia w/ $100K wants as much as Bob making $200K. 
 
Bob w/ $200K wants as much as Zoe making $400K. 
 
The problem? 
 
Income levels don't have a ceiling. 
 
And there are 8 billion people on this planet. 
 
So it's inevitable someone will be making more than you. 
 
Do yourself a favor and use a fair benchmark to compare to: 
 
Joe with $50K should aim to make more than Joe. 
 
Mia with $100k should aim to make more than Mia. 
 
Bob with $200K should aim to make more than Bob. 
 
Zoe with $400k shound aim to make more than Zoe. 
 
Stop basing your progress on someone else's. 
 
Want a better measurement to use? 
 
Grab a mirror and stick with it.

If you didn't have to worry about money, what would you do?

You know what you wouldn't say?

- Try to make more income
- Try to increase your wealth more
- Try to find strategies to stay tax efficient

Those aren't your real goals. 

Those are the technicals that bring you to those goals. 

Never make your end goal a specific number. 

Make your end goal a lifestyle choice. 

Wealth is just the bridge to that.

40% of business owners aren’t sure they picked the right entity.

Here's what you need to know about entity structure:

When choosing a tax entity, you gotta choose with what aligns with you.

Some of the characteristics include:

→ What legal protection is provided
→ Is the income earned a pass-through
→ Are there self-employment taxes 
→ How much admin is there
→ What are the tax impacts 
→ Is there double taxation
→ How much does it cost

And so on. 

Consulting with the combo between a CPA and CFP is a great way to make sure you are on the right path here!

What kind of business do you currently have?

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There’s a more tax-efficient way to own an index.

But is it worth it? Here’s a breakdown of direct indexing:

What is direct indexing?

It’s still passive investing.

But instead of owning an index fund, you own the individual stocks that make up the index.

Same market exposure.
Different implementation.

The goal isn’t higher returns.
The goal is tax efficiency.
Index funds are already very tax-efficient, especially ETFs.

But there’s one thing they can’t do:
They can’t pass individual stock losses to investors.

Losses inside a fund stay inside the fund.
With direct indexing, you own each stock directly.

That allows for:

Ongoing tax-loss harvesting
Offsetting capital gains
Deferring taxes while staying invested

Over time, this can increase after-tax wealth even if pre-tax returns are similar.

Some studies suggest direct indexing can add incremental after-tax value over long periods (often cited at 1%–2%), but results vary widely based on volatility, tax bracket, cash flows, and implementation.

Important tradeoffs to understand.
This strategy is not a free lunch.

Here’s what actually matters.

1) Cost

Most platforms charge roughly 0.10%–0.20%.
But additional costs may include:

Trading costs
Cash drag
Tracking error
Etc.

These reduce the net benefit and must be weighed against expected tax savings.

2) New money works best

Selling existing index funds to switch strategies often creates taxes that wipe out the benefit.

Direct indexing tends to work best with new dollars, such as:

Income
Liquidity events
Sale or acquisition proceeds
Using fresh capital avoids unnecessary tax friction.

3) Tax benefits depend on markets

The biggest advantage comes from harvesting losses, which requires volatility.

In prolonged bull markets:
Losses become harder to find
Unrealized gains accumulate

Tax benefits shift from harvesting losses to deferring gains, and eventually decline.

4) Wash sale coordination matters

Loss harvesting must be coordinated across taxable accounts, spousal accounts, and any index funds held elsewhere.

Poor coordination can reduce or eliminate the benefit.

5) You need an exit strategy

Deferred taxes eventually come due unless there’s a plan.

Is this money for retirement, charity, heirs (step-up in basis), or future liquidity?

Direct indexing works best when paired with broader tax and estate planning.

6) Benefits skew toward higher earners

The tax alpha is largest when tax rates and taxable balances are high.

For lower brackets or smaller portfolios, added cost and complexity may outweigh the benefit.

Bottom line

Direct indexing isn’t a magic upgrade.
It’s a tax optimization tool.

For the right investor, at the right time, with the right plan, it can add meaningful after-tax value.

For others, a low-cost index fund may be the better answer.

That’s why this should be a planning decision, not a product pitch.

If you’re exploring it, talk with a fee-only planner to see if it actually fits your situation.

Daniel Goodman CFP®

Most people have no idea how their accounts actually work.

And the IRS is quietly counting on it. Let’s break it down:

You’ve got four main individual accounts:

→ Brokerage
→ Traditional IRA
→ Roth IRA
→ HSA

But here’s the kicker:

 They don’t play by the same rules.

Some hit you with early penalties.
Some don’t.

Some have contribution limits.
Some let you pile in unlimited cash.

Some force you into Required Minimum Distributions (RMDs).
 Others? They leave you alone.

→ If you’re saving without knowing these rules, you might be losing thousands in taxes and penalties without even realizing it.

What works for someone might not work for you. 

It's more than picking the best tool. 

It's the best tool for YOUR shed.

Do you have any of these?

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Ini47

I feel like I've seen these phases with early reitrees:

Stage 1: They fire their advisor cause they don't like performance or service
Stage 2: They do it themself and are happy with it
Stage 3: The more they research, the more they realize there's more to just investing
Stage 4: They keep getting conflicting answers to from thousands of voices online, but unsure which applies to them
Stage 5: They hire a financial planner for a second-hand opinion 

And guess what?

That new advisor is not the person trying to sell them some fancy product or performance.

It's the advisor who:

- Looks at their whole picture
- A structure to implement it
- Has an incentive to do so

I love it when people are able to handle finances on their own. 

But once you need some help?

You know where to find us.

Most people don’t actually know the tax status of their accounts.

Quick refresher 👇

Taxable Accounts:

- Individual Brokerage
- Joint Brokerage
- UTMA / UGMA

Pre-Tax Accounts:

- Traditional IRA
- SIMPLE IRA
- SEP IRA
- 403(b)
- 401(k)
- 457

Post-Tax Accounts:

- Roth IRA
- Roth 457
- Roth 401(k)
- Roth 403(b)
- Roth SEP IRA
- 529 (Could have a state deduction)

Triple-Tax:

- HSA (One of a kind)

Before worrying about returns?

Make sure you know how your money is taxed.

Which of these are you using?

If the recent 4,000 employees laid off by Block caught your attention, this is your wake-up call to revisit your emergency fund. 

Not your retirement accounts.
Not your brokerage accounts.
Not your company equity.

Your cash. 

Yeah, the boring cash loses to inflation over the long run.

But in the short run:

- Easily accessible
- Removed from market volatility
- Not taxed when withdrawn or liquidated

How much to fund is how you answer this question:

"How long can I reasonably live off my essential expenses?"

Just understand this about the stock market. 

It carries a risk of losing money, no matter how long you park it for.

But the longer you have it, the chances of that are cut significantly.

Not "eliminated", but the risk of losing money is statistically lower. 

That risk is put on full max if you need it now. 

The S&P 500 is not a viable fund in the near term. 

The asset that remains fixed near term is. 

Adjust accordingly!

Top ways early retirees pull their accounts penalty free:

- Roth conversions that have been moved after 5 years
- Distribute HSA funds backed by medical expenses
- Separation of service with a 457 plan
- Use a brokerage account
- Roth IRA contributions
- Rule of 55
- 72(t)

Alongside many more to implement. 

The question becomes which of these applies to you?

You won't know with a black and white answer. 

Find the one for you.

taplio

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Max Pashman, CFP®

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