MSP Sales Partners

We help IT and MSP businesses transform sales into their superpower. 

Our services include: 

- Sales training & coaching for closers
- Sales community and training for SDRs/BDRs
- Fractional sales and marketing leadership
- Sales audits and process assessments
- And more

Whether you need strategy, execution, or team development, we deliver results that move the needle.

Founder & Chief Revenue Officer

Repeatable Revenue Ventures

Elite Growth Studio + Venture Fund For B2B Founders Ready To Scale

We select a handful of ambitious B2B companies each year, providing the expertise, capital and resources needed to achieve 3-5Х growth and build a premium exit-ready asset.

Managing Partner

RJG Incubator

Courses, Community & Coaching to build valuable, scalable assets through proven systems and frameworks.

Some results from inside the RJG Incubator:

✔️ Close rates increasing from 26% to 44%
✔️ Doubled pipeline conversion
✔️ Millions in predictable revenue
✔️ Real enterprise value through systematic growth

We have 3 ways to help you grow:

1: Get The Roadmap Course

Our proven course for systematic revenue growth on LinkedIn, sales and internal processes. 10+ hours of practical, actionable training. 

2: Join The Community

 250+ B2B founders scaling together in a community, with access to a complete training library (100+ hours). 
 
3: Join The Accelerator

Monthly 1:1 strategy sessions with me. Providing unlimited async support, feedback and custom growth roadmap development.

Founding Member

Sales and sales management advisor for small and midsize IT business.

Expert In Residence: Sales & Sales Management

SaaS Academy

Advisor, consultant, and fractional sales executive for SaaS Academy, the largest B2B SaaS coaching & consulting program in the world.

Sales Consultant

LAW Publications

Recruited by investors to determine scalability of company and drive growth through operational and sales improvements. 

Key wins included:  
- Highest month of revenue in co.'s 45-year history
- Rebuilding of executive team
- Introduction of principles-based management culture
- Overhaul and improvement of products (including Gold Davey Award Winning product)
- Installation of company-wide CRM
- Integration of a company operating system
- Development of analytics capabilities, tools, and resources
- Professionalization of key functions in HR, production, finance, operations, and sales
- Replaced handwritten, manual processes and paperwork with automation and technology, including integration of a company-wide CRM, national rollout of iPads, installation of VOIP systems, and collaboration software.

Chief Executive Officer

U.S. Chamber of Commerce

During my career with the US Chamber of Commerce, I ascended through roles of increased scope and responsibility for the world’s largest business federation representing 3M+ businesses, associations, and organizations. 

In this role, I held primary P&L accountability for a nation-wide SME unit. I directed multiple sales and membership acquisition channels, including outside, inside, direct mail, and online sales, as well as customer services. I defined and executed the business unit’s long-term strategic direction. 

Highlights include…

~  Secured first year-over-year growth in small business membership by launching new membership model. 

~  Spearheaded initiative to boost political and special issue fundraising, which would go on to surpass membership fundraising for the first time. 

~  Increased membership engagement rates by 33x through new digital communications strategies. 

~  Relaunched Chamber’s small business online presence and deployed new digital model to acquire members.

Managing Director, Small and Midsize Business

I received a promotion to assume P&L accountability over the Chamber’s national sales and fundraising center, which oversees political fundraising, special issue fundraising, membership sales, customer service, and membership operations. 

Highlights include…

~  Achieved first revenue increase in 11 years, positioning center to become largest SME fundraising operation in the Chamber. 

~  Doubled revenue-per-sale of specific-issue fundraising by generating substantial new sales and delivering comprehensive fundraising best practice training. 

~  Fostered culture of achievement through strategic hiring, training, and motivational compensation plans.

Managing Director, National Small Business Sales & Contact Center

I advanced the company’s sales and revenue growth objectives by managing an inside sales team of the National Small Business Membership Center. In addition to recruiting, hiring, and coaching Sales Directors (as well as other sales personnel), I defined and executed sales and fundraising messaging. I managed all aspects of sales operations and quality assurance. 

Highlights include…

~  Met and surpassed ambitious sales objectives every month of tenure. 

~  Diversified and grew sales by integrating novel and innovative sales programs. 

~  Significantly enhanced sales capacity by launching recruitment and training programs to repeatedly add sales directors who performed in the upper quartile.

Division Manager, Inside Sales

Promoted three times from direct fundraising to support, manage, and lead special projects, sales divisions, and growth initiatives.

Key wins included:
- Creatively developed solutions to monetize non-paying members through partnerships with Fortune 500 companies.
- Exceeded every sales and fundraising goal.
- Supported senior management initiatives, including program to enter midmarket membership with new products, services, and offers. 
- Developed framework for the Corporate Leadership Advisory Council, a policy council for midmarket sized companies.

Fundraising - Special Projects - Corporate Relations

Various Companies

Started, sold, worked for, and advised 10+ ventures, including: 

Operating Partner - Like My Mother Does: LMMD is an entrepreneurial venture that began when the founder started making custom baby bedding on Etsy. Within months, demand dramatically exceeded capacity and the waiting list stretched almost four months long. I helped the founder turn her hobby into a boutique referral only business and discover profitability by developing financial, shipping, and inventory models; developing a pricing strategy that resulted in quadrupling prices; and updating and automating digital strategies. 

Operating Partner - After Hours Flowers: Family owned, retail florist that I co-led the turnaround of, took online, pivoted the business model away from third party wire services, and sold. 

Founder - Imagine Promotions: Founded and later sold a music promotions company that represented 20+ artists and organized  or co-organized dozens of concerts and festivals. 

Worked for and advised numerous other startups, ventures, and independent businesses.

Founder - Managing & Operating Partner Roles (RJG)

Napster (Rhapsody International)

Customer Success Specialist

Repeatable Client Acquisition & Fulfillment | Our mastermind community helps you convert online income into a real business | Book a call or DM to apply

In 2019, I walked away from the C-Suite and moved my family to a remote Mexican beach, leaving behind a successful corporate career to pursue a new path.

Prior to going out on my own, I had:

• Been recruited by private equity groups to lead turnarounds as CEO

• Spent 10 years as a senior sales executive, never missing a quota or bonus

• Received 7 promotions in 7 years, rising from sales rep to Managing Director at the U.S. Chamber of Commerce, the world's largest business federation

• Earned my Executive MBA and was invited to Beta Gamma Sigma as a top 20% student at a top 5% business school

• Founded and turned around several small businesses, two of which we sold

But I got tired of building other people's dreams while putting mine on hold. 

So, my wife and I extended a family vacation to Baja indefinitely, determined to build a new kind of business and lifestyle on our own terms.

As an independent consultant, I've had the pleasure of working with world-class clients like Dan Martell, the world's largest B2B SaaS coach; Robin Robins, the world's largest IT business coach; and other well-known names.

Through my company MSP Sales Partners, we help IT companies and MSPs scale sales through our fractional sales management and strategic consulting services that start with a proprietary 360º Sales Audit. 

Through my community, I coach other B2B founders through the process building and scaling their businesses. 

And through Repeatable Revenue Ventures, I lead the process of providing all the resources a select number of B2B businesses need to 3-5x their business, systematize growth, and exit--including the necessary expertise, people, and capital.

Visit www.RayJGreen.com to learn more.

Ray J. Green

Don’t confuse activity with productivity. 

If you have 1 person hitting your “100 call a day minimums” and missing quotas.

And another person missing your call activity minimums but consistently hitting your quotas.

The answer is NOT make the person hitting quotas start hitting minimum activity targets. 

It’s to figure out HOW they’re getting more output with less input—and operationalize it. 

That’ll make everything you’re doing better. 

More value from your list. 
More revenue from every unit of input. 

And your team will probably like the job better. 

So they’ll stay longer. 
Burnout less. 
And allow you to attract better people. 

Activity is just a means to the end. 

Work backwards from what you REALLY want: productivity.

CEO @ MSP Sales Partners | Helping MSP Founders Build Sales Teams That Actually Sell | Ex-PE Backed CEO | Former U.S. Chamber Managing Director

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It's Nov 12. If you're NOT going to hit your annual sales goal this year, read this. 

First, don't give up. 

The work you put in at the end of the year determines how you start the next. 

Start 2026 with momentum, regardless of where 2025 ends. 

Second, don't adjust the annual goal. 

Your goals need to have integrity. Modifying them right before you miss destroys that integrity. 

Revising goals last minute is addictive. It becomes a habit really easily, so avoid at all costs. 

Third, set a "between now and end of year" goal. 

Make it one you can actually hit. Even if it it's embarrassingly low. 

End the year on a win. 

Lastly, perform an autopsy on sales and set a 2026 goal you WILL NOT MISS come hell or high water. 

You don't want to establish a culture of missing goals. 

So take this year's learnings and apply them to make sure that doesn't happen. 

Winning is a habit. Start small and ratchet up over time.

I work out 7x a week—and have for 15+ years.

A friend just asked me what my favorite fitness books are.

I scanned my entire library.

Something interesting I learned about myself today:

I own ONE book on fitness: Tim Ferriss' 4 Hour Body. 

I bought it 15 years ago.

I thought, well let me scan my YouTube history for a recommendation.

None there either, except some bodyweight workouts I pull up while traveling.

Legitimately surprised to realize that as much as I read and learn, I don’t consume fitness content.

I’ve used the same few regimens for more than 15 years:

• Walk 6-10 miles a day
• Strength training 1-4x a week
• Jog 1-2x a week
• Eat decent (not perfect)
• Revisit a sports I love like boxing occasionally 

I’m not going to win a bodybuilding competition, spar with real fighters or place in a triathlon anytime soon.

But at 45, I feel pretty damn good about where I’m at.

Guess that one book was all I needed.

Implementation > Consumption

"𝗖𝘂𝗹𝘁𝘂𝗿𝗲" is one of those things that's hard to define in business. But you definitely know a good one or a bad one when you experience it.

And it's one of the highest leverage tools you have as a leader. Because culture influences how your team communicates, executes, and ultimately how much value they add to the business.

Here are three types of cultures:

𝟭. 𝗗𝗲𝗳𝗮𝘂𝗹𝘁 𝗖𝘂𝗹𝘁𝘂𝗿𝗲: The owner is oblivious to the fact that culture even exists. A culture develops by default, not by design.

𝟮. 𝗗𝗲𝗹𝘂𝘀𝗶𝗼𝗻𝗮𝗹 𝗖𝘂𝗹𝘁𝘂𝗿𝗲: The owner talks about how great the environment is, but employees have a very different perspective. Culture becomes a liability because it erodes trust.

𝟯. 𝗗𝗲𝗹𝗶𝗯𝗲𝗿𝗮𝘁𝗲 𝗖𝘂𝗹𝘁𝘂𝗿𝗲: A leader has a vision for who the team is and how they operate. It's healthy, productive, and compels people to give discretionary effort.

Fifteen years ago, at the US Chamber of Commerce, I inherited a sales team in decline. Losing people. Missing numbers. Toxic culture.

I took one of my biggest career risks and completely changed the culture.

I fired half my team within 90 days. Created core values. Changed how we hired. Fired top salespeople who didn't align.

At first, it didn't look good. Morale was rough. Numbers kept declining.

But then the uptick started.

After the initial uptick, we never missed a goal for 10 years straight.

When I eventually left, it was one of the hardest decisions I'd made. Because I didn't want to leave the culture we'd built. 

I break down the warning signs your culture needs a turnaround and the exact 3D Framework we use at MSP Sales Partners in the full article: https://lnkd.in/e5VTC3sF

Christmas came early for me. 

I was recording a YouTube video when my cell phone rang with a cold call. 

First of all, if you know me, you know that’s weird. I keep my phone on DND permanently and it only gets turned on by accident. 

Second, I answered it. Also rare.

But best of all, this happened while I was already recording—so I just let ot run and captured the whole call on camera. 

I turned it into a video because it’s actually a good call, but there’s a handful of really common mistakes I share with you when the call is done. 

Check it out here:

Open video: https://youtu.be/2QyhQfpq0N4?si=oGSgA4ZEkejOs7Ba on youtu.be

https://youtu.be/2QyhQfpq0N4?si=oGSgA4ZEkejOs7Ba

Pashman Financial LLC

I help sales reps and equity compensated employees to make sure they don't spend their entire commission check in the Bahamas. Putting tailored plans together to put a purpose behind their paychecks. You worked hard for your commission check. Now make it work as hard as you did to earn it.

Made the shift from fee-based to fee-only in an effort to better serve clients.

Financial Planner (Fee Only)

One Wealth Management Financial & Insurance Services

•Examining client's expenses, income, insurance coverage, financial objectives, tax status, risk tolerance, or other information needed to develop a financial plan.
•Answering client questions about financial plans and strategies and giving financial advice.
•Advising strategies for clients in investment planning, insurance coverage, cash management and other areas to help them reach financial objectives.
•Reviewing client accounts and plans on a regular basis to understand if life or economic changes, situational concerns, or financial performance necessitate changes in their plan.
•Analyzing financial data received from clients to develop strategies for meeting clients' financial goals.
•Preparing or interpreting financial document summaries, investment performance reports and income projections for clients.
•Implementing financial plans or referring clients to professionals who can help them.
•Managing and updating client portfolios.

Financial Advisor

Northwestern Mutual

General Support:
– Transcribing and/or processing dictation , processing correspondence, maintaining client case files, and filing performance reports, account forms, and other advisory paperwork
– Maintaining annual review notes and mailing annual review letters to clients;
– Monitoring and stocking marketing materials for Signature advisory programs
– Monitoring industry trends and research
Proposal and Case Preparation:
– Prospecting on behalf of the employing WMA for new clients
– Preparing and modifying PPA/PNA’s and investment/advisory proposals
– Preparing investment policy statement, needs-based analysis, or financial plan
– Recommending fund portfolio options.
Processing Accounts:
– Preparing and processing all paperwork needed for investment/advisory accounts;
– Monitoring, processing, and following up on asset transfers and on initial and subsequent funding of advisory accounts;
– Implementing initial and subsequent asset allocation trades
– Identifying need for switch letter and mailing appropriate forms to clients; discussing potential rollover opportunities from other retirement plans for variable and mutual funds
– Monitoring holdings for program eligibility and administering advisory accounts.
Advisory Client Meetings:
– Meeting with advisory clients for fact finding and conducting existing advisory client reviews
– Completing risk tolerance (personal profile) questionnaire with client
– Participating in client meetings for financial or investment plan development or presentation
Client Service:
– Corresponding with clients to handle advisory-related service issues
– Contacting clients on behalf of the Wealth Management Advisor for the purpose of developing advisory plan
– Formulating advisory product solutions to/for a client or explaining advisory products or advisory performance
– Accepting redemptions/withdrawals from clients and communicating instructions to home office;
– Discussing tax consequences, costs, and advisory fees

Associate Financial Advisor

Investor Relations Partners

-Investor relations and financial communications created to assist clients address valuation. 
-Development of earnings communications, press releases, corporate presentations, financial strategies, professional profiles, fact sheets, annual/quarterly shareholder reports, investor targeting , perception studies, investor conferences, and media relations.
-Always cooperating and involved with assistance during unexpected shocks/crises with management and provides next-step strategic approaches.
-Contacts top publications nationwide to arrange interview with client in order to increase exposure and market valuation on Wall Street

Investor Relations Representative

Julep Bar

-Provide appropriate music for a specific nightlife audience
-Promotion and organization of events through social media
-Responsible for lighting configuration, sound check, and preparing equipment for the venue
-Assistance with booking artists and popular figures

Event Planning Assistant

Cedars-Sinai

- Responsible for transferring and organizing 20 years worth of cases
- Lead research, planning and development of comprehensive digital programs
- Work with a social media team to develop and manage ongoing media marketing plans for  campaign
- Participated in research through Spinal Journal
- Proficient with syndicated research and social media monitoring tools with ability to use these tools to inform ad and campaign design.

Assistant

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®

If you stopped buying 109 $5 coffees a day you’d have $200,000 saved in a year for a $1 million home.

Easy as that people…

pashman-financial-llc

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Sales Navigator

Talks about #money, #wealth, #investing, #personalfinance, and #financialplanning

Helping Founders and Executives Plan for Early Retirement and Exit

I put $100,000 down on a $500,000 home.

But my mortgage is $5 per month. Here’s how:

→ I put 20% down on a $500,000 home.
 → Then I got a 19,500 year mortgage to bring the payment down to $5.

Boom. I just replaced my $5 coffee with a mortgage.

Why aren’t more Millennials doing this?

Renting is not a waste of money 
Renting is not a waste of money
Renting is not a waste of money
Renting is not a waste of money
Renting is not a waste of money

It isn’t always “throwing money away”.

In fact, it’s an option that offers flexibility.

It’s avoiding being locked into a mortgage you’re not financially or emotionally ready for.

People underestimate how costly the wrong home purchase can be.

Better to stretch on rent than get trapped by a mortgage you can’t afford.

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*

Your employer offers you a $200,000 salary. 

But also offers a $200,000 bonus with it.

When you get the bonus, it's taxed just like your salary. 

Except it's withheld completely different from it. 

One question you should always ask:

What will you do with the bonus?

Option 1: Spend it
Option 2: Save it in cash
Option 3: Invest in your company's stock
Option 4: Invest it into your portfolio

No matter what happens, that bonus gets taxed when it vests. 

And if you haven't figured it out by now, I'm not talking about a bonus.

Welcome to planning around Restricted Stock Units (RSUs) 101

People spend roughly $200 a plate for a Thanksgiving dinner. If they took that $100 and invested it in the market over 30 years you would have made nah I’m just kidding have a great Thanksgiving everyone!

"Let's circle back after the holidays"

1st Follow Up: I meant after Christmas

Next Follow Up: Sorry I really meant after Valentines Day

Next Follow Up: Yeah I meant my CPA's tax holiday season

Next Follow Up: Oh whoops I'm on Holiday for the entire summer

Next Follow Up: Scary the year went by! Speaking of which, I meant after Halloween

Next Follow Up: Who are you? Oh yeah. Let's circle back after the holidays.

Major changes are coming to your finances in 2026. 

Here's everything you need to know:

Every year, the IRS adjusts contribution limits to keep pace with inflation, but 2026 is shaping up to bring some of the most notable increases in recent memory. If you're planning ahead for retirement, these updates matter.

→ Workplace Retirement Plans (401(k), 403(b), 457)

2025: $23,500
2026: $24,500

Catch-Up (50+): increasing from $7,500 to $8,000 (up to $11,250 depending on income)

→ Traditional & Roth IRA

2025: $7,000
2026: $7,500

Catch-Up (50+): increasing from $1,000 to $1,100

→ SIMPLE IRA

2025: $16,500
2026: $17,000

Catch-Up: increasing from $3,500 to $4,000 (up to $5,250 depending on income)

→ Health Savings Account (HSA)

2025:
• Individual: $4,300
• Family: $8,550

2026:
• Individual: $4,400
• Family: $8,750

Catch-Up (55+): remains $1,000

→ What this means for you

Higher contribution limits create more room to lower taxable income, increase long-term investment potential, and accelerate progress toward retirement. 

Even incremental annual increases compound significantly over time.

If you want 2026 to be a year where you maximize your financial opportunities, start planning now.

If you need help building a contribution strategy that aligns with your goals, reach out and let’s talk.

Make too much income for a Roth IRA? 
 
Here's how to get around it (legally) 
 
First, what's the problem? 
 
The Roth IRA is a great vehicle for tax-free growth. 
 
But there are income limitations. 
 
For 2025, those limitations are as follows: 
 
$150,000 for single filers 
$236,000 for married filing jointly 
$0 married filing separately
 
Make above these amounts? 
 
They get phased out or entirely ineligible. 
 
So what to do? 
 
Instead, you could contribute to the Traditional IRA. 
 
But are you contributing to a 401k? 
 
Those deductions might also phase out! 
 
This seems like a lose-lose scenario. 
 
But it opens for an opportunity. 
 
The good news is that you can use the IRA to fund a Roth IRA. 
 
This is known as a Backdoor Roth IRA. 
 
Here's what you could do: 

FIRST: Move all existing IRA money into an employer plan like a 401k. 
 
1) Open a Traditional IRA & Roth IRA 
2) Fund the Traditional IRA 
3) Do NOT invest the funds 
4) Initiate a Roth Conversion into the New Roth IRA 
5) Elect not to withhold taxes 
6) Invest in the Roth IRA 
7) File Form 8606 to show non-deduction in Traditional IRA 
 
This process is why having a Roth 401k is pretty handy: you can make any contribution with no income limitations. 

Remember, this is purely educational and is shown here for simplicity.
 
This is not financial or tax advice, so please consult with a financial and tax professional first.
 
But the door is open for tax-free money!

You've gotta find the right key.

Note: This is purely educational and not financial or tax advice. Seek a professional before acting on any of the information.

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 bought a home for $500,000 with a 20% payment ($100,000) on a 50-year term, you would pay over $1.5 million in total payments by the end of the term. 

Quick piece of advice:

Lower payments do not always mean better outcomes.

With the proposal of a 50-year mortgage, be cautious.

Don't let your forever home turn into a forever trap.

Would you ever get a 50-year mortgage?

Today: Shirt worth $100

Black Friday next week: “50% OFF! Now $100!”

 What a steal.

52% of families are unprepared for an unplanned expense. 
 
Here's how you can better prepare for it:

Create a safety net in your plan.

AKA an emergency fund. 
 
Doing so for three reasons:
 
-> Access to short-term funds 
-> Avoid tapping into long-term funds 
-> To prevent you from taking on more debt 
 
The chart you see is one that I put together. 
 
I love to incorporate multiple variables to identify the right number. 
 
These are just some examples. 
 
And just my personal take on what I've seen. 
 
You may only need 3 months, but you want 12 months for peace of mind. 
 
The point is that while the 3-6 month rule is a good benchmark, it's also flexible. 
 
Choose the amount that fits your profile. 
 
It's an insurance policy for your goals.

Don't go into a food coma with your money. 
 
Here's what most miss about finances: 
 
It's not about the fancy stuff. 
 
Investing is awesome. 
So are the investments. 
And so are the vehicles. 
 
But individually, they mean nothing. 
 
The combination of them does. 
 
Things that should be considered: 
 
- Why you have them? 
- How do they work with one another? 
- What role they play with your goals? 
- Where does you money work?] 
- When do you need it? 
 
By having the right plan, you can put a purpose to your paycheck. 
 
You wouldn't wing a Thanksgiving dinner. 
 
Neither should you with your finances.

Happy Thanksgiving!

You have Chat GPT for find your answers.
You have Perplexity to find your answers.
You have Gemini to find you answers. 

Yet, you haven't made changes.

Or worse, left wondering what you need to change now. 

Things like:

- Set up automated investing systems
- Build a savings plan for your next home
- Make a debt payoff plan you can stick to
- Build a real equity plan (RSUs, ISOs, ESPPs)
- Create a tax plan for bonuses and RSU vests
- Build a simple spending plan that actually works
- Optimize your account order (taxable, 401k, Roth, HSA)
- Review insurance needs without selling you insurance
- Optimize self-employed taxes and retirement plans
- Run long-term projections for major decisions
- Turn vague financial goals into real numbers
- Review your full financial picture for gaps
- Set up a smart charitable giving strategy
- Create an early retirement roadmap

In other, words you haven't taken action... yet.

We're entering an interesting era of paralysis by analysis. 

We're getting more well informed about our finances thanks to AI.

But the lack of action continues to remain with humans. 

Let's make 2026 our goal to it implement together.

It takes a human to know a human after all.

When you need help, DM me.

We’ve been raised on broken financial advice: 
 
- Don’t buy $5 coffee 
- Keep everything in the bank 
- Don’t be reckless with any investments 
 
Instead should be this: 
 
- Buy what you value 
- Allocate your money based on your goals 
- Take risks that are aligned with who you are 
 
There’s a reason they put the word “personal” in front of finance. 
 
It’s supposed to be tailored to YOU.  
 
Do what works for you.

Dear LinkedIn,

Show everyone's impression count. 

Sincerely, 
Literally Everyone

64% of adults fear outliving their money more than death.

But most haven't heard the 4% Rule. Here's how it works:

It was a rule created to help retirees determine the amount they can take out.

It was intended to give people a guideline on what to aim for. 

The rule is pretty straightforward. 

In the first year, take out 4% of the portfolio. 

Then adjust that dollar amount for inflation annually after. 

It was originally tested with a couple of parameters:

- For a 65 year old (25-30 year retirement)
- Allocation with 50% stocks / 50% bonds
- Tested in a worst-case scenario

Using historical data, the rule was determined to give retirees a safe number to stick with. 

Is it completely flawless?

Not entirely. 

Many things can have an impact like:

- Inflation
- Economy moving forward
- Your unexpected variables to your situation

This is why the 4% rule is more of a reference than a final say. 

But it is a great guideline for a quick calculation to see your number. 

In reality, you will need a financial planner to help you out here. 

You need to evaluate variables such as:

- The timing of your retirement
- How long your retirement will be
- How your portfolio will be allocated 
- What other sources of income do you have
- What is the economy in your first year 
- What other goals will impact it
- And much, much more

When you need a quick number, you can use this freely.

But when you need the answer to work for you?

Seek a consultation from a financial planner. 

We're here to help when you're ready!


And if you want to see more helpful visuals like this, check out the newsletter with more details behind how they can help you.

Check it out here:

https://lnkd.in/gJC9mTQH

taplio

The Battle

Ray J. Green

Max Pashman, CFP®

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taplio

The Battle

Ray J. Green

Max Pashman, CFP®

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Ray J. Green's LinkedIn Performance

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Performance ScoreRay J. Green's LinkedIn Performance