Transamerica Financial Advisors, Inc.

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Investment Advisor Representative

Qualia

- Made 50+ calls per day into existing account base based on marketing campaigns
- Generated quality intro calls between our prospects and Account Executives that drove additional revenue growth.
- Researched accounts, identified key contacts, built interest, and understood vendor approval processes
- Managed and maintained up to date contacts, opportunities, and account information within Salesforce.
- Leveraged Salesloft to run targeted cadences with proficiency.
- Consistently hit (and exceeded) quota month to month which led to being recognized as the top SDR for Q2 2022.

Sales Development Representative

University of Colorado Boulder

- Mentors students, conducts office hours and review sessions
- Attends multiple class lectures per week and communicating with students about computing questions pertaining to Excel and MATLAB.
- Providing Materials design, structure, and exam help to ~150 Junior chemical engineers
- Strong public speaking and leadership skills.

Teacher Assistant

- Investigate the assembly of nanostructured materials at length scales of 1nm to 1000nm using computational simulations.
- Develop, validate and apply atomistic potentials of oxides, metals and polymers to solve challenges in soft matter.

Nanomaterials Undergraduate Researcher

Saoradh Enterprise Partners

- Conduct market, technology and industry research, using Wellspring and Pitchbook, to support client projects, evaluate investment opportunities and support portfolio companies.
- Involved in finding, organizing and presenting data, using PowerPoint, gathered during the research process.
- One on one meetings and presentations with portfolio companies to develop interpersonal and trustworthy relationships.

Business Analyst Intern

National Snow and Ice Data Center (NSIDC)

- Utilizing Python and/or MATLAB for efficient data transfer from enormous satellite data into simple and useful spreadsheets.
- Utilizing SQL for efficient database analysis.
- Record Videos and utilize Camtasia to edit videos and audios for scientist ti upload onto Coursera for educational purposes.
- Implementing a ticket system using Jira and Confluence to streamline and smoothen tasks for management.
 - Worked with internal users to understand grant requirements and implement processes that meet those needs by writing technical documentation, providing on-site help and developing different methodologies for collecting samples.

Data Analysis Intern

- Performed quantum chemical calculations to examine the catalytic cycle of cobalt cyclam-catalyzed reductions of CO2.
 - Examined the stability of spin states of various cobalt complexes, computed their proton association constants and reduction potentials and their effect on CO2 emissions. 
 - Examined various papers from JACS (Journal of American Chemical Society) to study the viability of the catalytic cycle previously proposed by researchers.

Carbon Dioxide Reduction Researcher

I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

At 18, I was hauling carts at Lowes for $7.50/hr. 
 
Today, at 26, an average client pays me $350/hr. 
 
All because my past is helping me manifest my dream life. 
  
2015:  
→ Moved from India to the USA and got a job at a local carwash.  
→ Got paid minimum wage + tips, shifts every day after school.  
  
2016 to 2020:  
→ Graduated high school, and worked at Lowes for the summer.  
→ In college, I worked 3 jobs for 4 years straight.   
→ And 2 corporate summer internships.  
  
2021 to 2022:  
→ Quit engineering, and got into Tech Sales.  
→ Averaged 130% of my quota for the 9 months I was there.  
→ Pursued my passion and started my advisory firm part-time.  
→ Knew this was when I wanted to start building my RE portfolio.  
  
December 2022:  
→ I committed myself to buy my first house in 2023.  
→ I committed to build a LinkedIn brand to explode my business.  
  
January 2023:  
→ Started working with a realtor to find THE house.  
→ Signed the contract, closed in October '23.  
→ Kept consistent with content to create a led gen machine. 
→ Made 2x my full time base salary at corporate. 
 
February 2023 - Today: 
→ Blessed to serve 38 clients I call family. 
→ ~9,000 loyal followers supporting my journey. 
→ Adding the highest caliber of new advisors to my team. 
→ Signing on clients that are motivated to work with my team. 
→ Creating a family office for a one stop shop client experience. 
 
My 8 years of work led to:  
  
→ Being able to pay 20% down.  
→ House hacking so I live for free.  
→ A never-ending lead generating brand. 
→ Diversifying my financial freedom portfolio.  
→ Making a generational impact on my clients' legacy. 
→ A vision of achieving generational freedom for my family. 
 
I'm extremely grateful to be where I am.  
  
So let this be a testament to you.  
  
I'm 26 and I could do it.  
So why can't you?  
 
Not everyone is dealt the same hand. 
But excuses will get you nowhere. 
 
Learn to take the hand you've been dealt, 
And make the most out of it. 
  
All you have to do,  
Is believe and,   
Achieve. 
 
Happy Monday, LinkedIn! 
 
P.S: What are you doing today to hit your next milestone?

Omkar Shinde

I create efficient tax plans and investment strategies for W2 Employees with Businesses | DM me "W2" for an intro call.

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Adversity is directly proportional to success. And that's why no amount of immense talent will create a rags to riches story. 
 
Take my story as an example: 
  
I was completely out of place when I moved to the States in 2014. 
 
"Hard" doesn't compare to what I went through. 
   
→ Mocked for failing classes.   
→ Bullied for being dark-skinned.   
→ Made fun of for being overweight.   
→ Rejected by girls because of acne.  
→ Consistently neglected by my peers.  
  
That trauma still haunts me,  
My Mom helped me change that around.   
   
She helped me realize, you can't control what people say.   
 But, you can control what you choose to do about it.   
 
Don't be reactive, be proactive. 
   
So here's what I did:  
  
• Overweight? I hit the gym. 
• Depressed? I sought therapy.   
• Failing at school? I hired a tutor.   
• Rejected by girls? I built my confidence.  
  
It all translated into my business:  
  
→ Rejected? Made another call.  
→ No leads? Posted more content.  
→ Felt inferior? Obtained more credentials.  
→ Felt like a fraud? Closed clients above my weight class.  
 
By no means am I a rags to riches story. 
 
But the takeaway is, 
  
The minute you gain control of your own insecurities,   
you take away the power others have against you.   
  
Don't let the noise diminish your fire,  
 
Let it fuel your fire.  
  
  
P.S: What's a story that made you stronger?  
 
P.P.S: This was me 6 years ago. Peak long hair phase. 😂

Engineers and Doctors possess the most gifted brains. 
 
Inspite of their intellect, they lack financial awareness. 
 
Most intellectuals: 
 
→ Can personally manage finances till a certain point. 
→ Pay down debt aggressively. 
→ Are compensated heavily. 
→ Invest earlier than most. 
 
After they do the basics, they're: 
 
→ On the W2 leash. 
→ Overpaying in taxes. 
→ Frustrated with their CPA's. 
→ Confused about what's right for them. 
 
You could relate to this is even if you're a high income earner. 
 
There's one word to describe your situation. 
 
Stuck.  
 
So here's how I've helped various high income earners loosen up this bottleneck. 
 
1. Start a side hustle 
→ So many engineers and doctors have money they can deploy into various projects.  
→ Especially ones with heavy tax incentives, example: Real Estate! 
→ Use this to offset your W2 income taxes. 
 
 
2. Have proper entity structures. 
→ Each of these projects need to be contained for protection and audits. 
→ Get an LLC done, and as you make more income, pay taxes as an S-Corp. 
 
 
3. Lock in a talented CPA. 
→ Most CPA's are only trained to file taxes. There are only a handful that can harness and leverage the power of the tax code in ways that are beneficial to you. 
→ Believe me, I've seen the difference.  
 
 
4. Get nerdy. 
→ Generally, you offset your income quite a lot by doing simple tasks. 
→ When your in the major leagues, you'll need someone like me to pull out the big guns. 
→ Defined Benefits plans, Executive Comp, Cash Balance, Trusts etc.  
 
 
It's a simple funnel if you look closely. 
 
But it all starts with acceptance.  
 
You'll come to a point in your life where you NEED a financial team. 
 
→ To manage your money. 
→ To turn your vision into reality. 
→ To provide reassurance when you need it. 
 
When you've accepted your fate.  
 
Come find me. I'll be right here!  
 
If you know you need it today, why are you waiting?  
DM me "NOW" and we can see if this is a good fit.

Contrary to my post yesterday: 
 
Working with an advisor isn't going to do sh*t for you. 
 
(Despite what mainstream media forces you to think) 
  
My client missed out on a 30% return, despite working with my team.  
  
My client came to me for help (in 2022):  
  
→ Switched jobs for a higher-pay.  
→ RSU's vesting over 3 years.  
→ 30% increase in salary.  
→ Chunky sign-on bonus.  
  
He was motivated to get everything in place financially.  
  
But he got "cold feet" (or did he?)  
  
The signs said differently:  
  
• He kept pushing off meetings.  
• His internet would be glitchy.  
• He had expenses come up.  
• His work kept him busy.  
  
Eventually, he ghosted us.  
No replies for 12 weeks.   
  
Unfortunately, I gave up.  
  
Cut to Feb 2024, he finally replied.  
(Yup, 2 years later)  
  
"Hey Omkar, hope all is well.   
I finally had a chance to sit down and analyze your plan."  
  
I re-connected with him, excited to chat.  
(and understand why he ghosted us lol).  
  
But his situation was completely different:  
  
• Married. 
• Same college lifestyle.  
• Still unwilling to change.  
• Mortgage sucking the life out of him.  
  
I couldn't take him on as a client.  
  
He was aspiring to make a change,  
But no amount of motivation was working.  
  
The takeaway here is: 
 
No amount of planning, research and modeling will ever make a difference if you chose not to do anything about it. 
  
If you're never ready to pull the trigger.  
 
→ Life will happen, 
→ Priorities will change, 
→ Finances will be left behind.  
  
So commit to making your financial plan a priority that should never change.  
 
There are no excuses.  
  
I'll make the plan, 
You make sure to take action.   
 
P.S: 
  
Here's the math.  
In 2 years, he missed out on:  
  
1. $12,500 in Roth contributions.  
2. 30% of market performance.  
3. $15,000 in tax deductions.  
4. Saving $3,000 in interest.  
  
How would you feel missing out on that?

Hot take: 
 
When you realize you need a financial plan, it's too late. 
 
As I've talked to more of you on LinkedIn, it's evident that there's a huge gap. 
 
Most youngsters (25-40) do the basics: 
 
→ Create a budget 
→ Save for emergencies 
→ Match their 401k 
→ Save for a house 
→ Invest in a IRA, Roth or TBA. 
 
Until they're 20 years into corporate, it hits them. They're: 
 
→ Paying too much taxes 
→ Underinsured or not insured 
→ Cost of Living is too expensive 
→ anxious about alternative investments 
→ feeling stuck on a corporate hamster wheel 
 
This is the "Come to Jesus" moment most of you search for an advisor. 
 
This might be too late to achieve your most idealistic dreams, 
 
But not late at all to buy back your time. 
 
Now you understand that time is your best friend, 
 
But it waits for nobody. 
 
It's not your fault that you didn't start earlier,  
 
what matters is now you know. 
 
Full disclosure: It could be costly. 
 
→ More assets = higher fees. 
→ Insurance will be expensive. 
→ Roth Conversions are expensive. 
→ You've already paid too much in taxes. 
 
But optimizing your financial plan will be worth every cent. 
 
Remember,  
 
The best time for a financial plan was at 18. 
 
The second best time is now. 
 
Don't hesitate to reach out to me, my DM's are open.  
 
If you're ready to crush it, DM me "LETS GO" and I'll reach out to see if this is a good fit.

My client's estimated lifetime tax bill: $7,875,000.

This is the blueprint we used to cut his bill by 37%.

There's only one outcome if you don't plan proactively:

→ Kicking yourself in the crotch.

And paying more tax, but that was obvious.

DM me "TAX" if you want to optimize your tax planning for 2024/25.
If you're already set, Repost this to help a friend. ♻️

Tax Planning at it's finest!

I was fired from my 9-5 in April '23.  
  
Robbed of a stable income, benefits,  and my dignity.  
  
This is when I decided I'd never go back.  
  
I'm blessed to have realized this at 24.  
I value time > money.  
  
So I started to use it to my advantage.  
  
→ Time to focus on my services.  
→ Time to create a personal brand.  
→ Time to educate people through content.  
→ Time to scale my business with more advisors.  
→ Time to deliver the best financial strategies to my clients.  
  
This is certainly not an easy path.  
 
• 12 hour work days  
• Imposter Syndrome  
• Numerous rejections  
• Fluctuating paychecks  
• Self-doubts and negativity  
  
But I know, delayed gratification and hard work will pay off.  
 
Now, 2 years since, at 26: 
 
→ I choose the teammates and clients I work with. 
→ The value I provide = the income I make. 
→ I wake up with passion, not compulsion. 
→ The impact I make is blatantly evident. 
→ Nobody controls my time but me. 
→ Confidence is just secondary. 
→ I have a $120k net worth. 
 
I asked myself this question 17 months ago,  
it's time you answer it for yourself.  
  
"One day or Day one?"

I've found Sports and Business to be highly correlated. 
  
Here's how it's shaped my professional mindset:  
  
Growing up, I was known to be an athlete.  
  
First pick in P.E,  
Varsity striker in High School,  
Opening batsman on my cricket team.  
  
Although it was fun, I noticed a disconnect.  
  
You see,  
I was the Jack of all Sports,  
but the King on None.  
  
I was always #2,  
Never #1.  
  
This taught me a valuable lesson.  
  
Go all in on a single subject.  
  
That can be:  
  
1 Job  
1 Sport  
1 Partner  
1 Business  
  
Sell out to it.  
  
You're losing if you do 10 different things.  
  
- IG  
- SEO  
- TikTok  
- Newsletter  
- Twitter (X?)  
- Real Estate  
- Ghostwriting  
- Flipping Furniture  
- Affiliate Marketing  
 
Your chasing the next dollar, 
Your chasing your next high. 
 
Instead, 
  
Do the boring and master 1 thing,  
then open up to others.  
  
Go deep, before you go wide.  
  
Adopting this in my career has been life changing. 
 
It might just change yours too.

My youngest client ever.  
   
He's 26 years old, and over $500,000 in debt.    
   
Here's a breakdown: 
 
• Credit Cards: $10,000+   
• Mortgage: $600,000+   
• Car Loan: $30,000+   
   
However, he has:   
   
• No emergency funds   
• No retirement savings   
• A desire to retire early   
   
On our intro call, he asked me 1 question.   
"Should I invest while in debt?"   
   
YES.    
   
Because...   
   
Waiting to pay off all debt,   
would set him back 24 months MINIMUM.   
(Excluding his mortgage)   
   
Instead, we took a split-path approach.   
   
And created a plan for him that accomplishes:   
   
• Eliminating (high-interest) debt in 18 months. 
• Supplemental retirement income.   
• Vacation and Personal Goals.   
• 6-month Emergency Fund.    
• Life Insurance protection.   
   
This way, he:   
• Still eliminates debt efficiently.   
• Capitalizes on time-in market.   
• Can retire early (if needed).   
   
Don't use debt as an excuse.   
Create a plan and start executing.   
   
  
Having a hard time investing while paying debt?   
  
DM me "CC" and I'll reach out to you to see if we are a good fit.

You're living paycheck to paycheck to fulfill your needs today.  
  
I live paycheck to paycheck so I never need to rely on one tomorrow.  
  
This is the success I want:  
  
→ 10 years of hard work leading into a work-optional lifestyle.  
→ Focus on personal development rather than partying.  
→ Raising my children with their father present.  
→ Build a team to handle my work for me.  
→ Have multiple streams of income.   
→ Being a role model for society.  
→ Buy whatever I choose to.  
→ Travel the world.  
→ Earn respect.   
→ Fulfillment.  
 
You don't have your definition of success, so you: 
 
→ Party. 
→ Don't invest. 
→ Are too distracted. 
→ Take on massive debt. 
→ Are focused on being "cool". 
→ Don't have any career ambitions. 
→ Rely on Mom and Dad to pay for you. 
→ Work corporate with no back up plan in place. 
→ Don't turn to friends, family or God in times of help. 
→ Are gonna be stuck in this life-sucking cycle for 40 years. 
 
Our definitions are drastically different. 
 
Yes, I live paycheck to paycheck. 
 
→ Business Expenses. 
→ Mortgage, Utilities and Food. 
→ Travel, Gift and Real Estate Fund. 
→ Savings, Investments, and Insurance. 
 
I live off of 30% of my paycheck. 
The rest is all re-invested in my business or invested for the future. 
 
What's blocking you from doing the same? 
 
Excuses. 
  
Stop making excuses.  
You just need to take action.  
Because nobody is coming to save you.

Want to hack your way into travel? 
 
Here's how I practically travel for free: 
   
Most of you:   
   
• Get a paycheck biweekly.  
• Save up for your next trip(s). 
• Spend the vacay fund and repeat. 
  
Trading your time for money, money for travel. 
(Some even go into debt just for travel 🙁) 
 
Here's what I do: 
   
• Creatively make it a tax write-off. 
• Pay with credit card points. 
• Make my parents pay. 
  
(I'm not spoiled, my parents can't stomach the fact that their son wants to pay, so I let them pay for family trips 😂) 
 
And yes, I still pay for it even if it's a business expense. 
 
(But it's not something I pay taxes on.) 
  
The first two can be planned for.  
  
Here's what you can do to start today: 
   
1. Travel Credit Cards. 
→ I use: 
 
• Hotel Credit Card: Marriot Bonvoy. 
• Airline Credit Card: Southwest Business. 
• Point Transfer Partner: American Express. 
 
The spending and bonuses each year are enough for 1-2 international trips a year.  
 
Find a card(s) that fits your needs, and aligns with your spending habits. 
 
2. Business expense. 
→ My team has offices in 37 states across the nation. 
→ Every time I travel to 1 of those states, I spend a day at the office. 
→ Flights and hotels can be deducted, everything else is personal. 
 
What's something in your business that requires you to travel around? 
 
→ Conferences? 
→ Business meetings? 
→ Investor Relationships? 
 
Use those in a creative way. 
 
If travel is a priority, make sure it's planned. 
 
Nobody should pay extra for the same experience. 
  
 
P.S: *Talk to your CPA, this is not tax advice*

I'd get envious seeing someone live my dream.   
    
That led me to make this commitment to myself.  
  
Success doesn't come easy.  
  
You have to constantly put in blood, sweat and tears to get traction going.  
  
Any entrepreneur can relate:  
  
→ Constantly owing money.  
→ Uncertainty on the next paycheck.  
→ Employees quitting for better opportunities.   
  
Stop trying to control something you can't.  
  
Instead, focus on what you can.  
  
The commitment I made to myself:  
"Don't give up on your passion, no matter the stakes."  
  
And that's what I'm doing.  
    
To you, LinkedIn is my first venture,    
What you don't know is how many times I've failed.    
    
I've failed at:    
→ Growing my gaming channel on Youtube.    
→ Scaling my own online luxury pet store.    
→ Private label Amazon FBA.    
→ Flipping furniture.    
   
Today,   
   
People see me:    
→ Mentoring guys a step behind me on their own journey.    
→ Serving my clients through financial planning.    
→ Networking to increase my net worth.  
→ Creating a LinkedIn audience.    
    
How did I get here?   
   
I tried,   
I failed,   
I tried more,  
I failed more,  
And now, I'm gaining momentum.  
  
Winning is still far away.  
   
What you are doing today may not be what you'll be doing tomorrow.    
    
So instead,   
Fail forward.   
   
It'll be the reason your next venture is successful.

Good leaders are selfish, ruthless and dismissive.  
 
   
 I was taught this while growing up.  
  
Leadership isn't about:  
 
→ Having a say in someone's decision.  
→ Micromanaging expectations.  
→ Bossing people around.  
→ Being their superior.  
  
Leadership is:  
 
→ Being their friend. 
→ Building other leaders.  
→ Tackling the problem(s) first.  
→ Pouring enormous belief into others. 
  
Some are inherently destined to lead. 
Some are not.  
  
But you can learn to become one as well.  
  
So take action today by:  
 
→ Reading a book.  
→ Enrolling in a course.  
→ Shadowing a leader you admire.  
  
Step out of your comfort zone,  
And step into the arena.

Are you saving money for your child's college education? 
  
Don't. College shouldn't be your first priority. 
  
Here's why. 👇  
 
If you have the means to pay for your kid's college,  
by all means do it. 
 
But if you're navigating financial hardships, 
Prioritize retirement instead of saving for college.  
  
If your kids want to go to college, they can:  
  
→ Apply for FAFSA. 
→ Work part-time at the dorm Front Desk. 
→ Sign up for the easily accessible student loans. 
  
Retirement?  
  
→ Can't receive aid.  
→ Good luck finding a retirement loan. 
→ Part time work? You're literally retired. 
  
Feeling guilty already?  
I understand.   
  
Your kids have a longer time to pay off their tuition,  
than you have to pay for retirement.  
  
Eventually, not saving enough...  
will lead you back to your kids.  
  
→ Asking for EFT's weekly. 
→ Moving into their spare bedroom. 
→ Restricting their Friendly Friday game nights. 
  
Nobody wants that.  
  
You can only save for retirement once.  
  
So, help yourself before helping them.

Would you dream bigger if you knew you couldn't fail? 
   
Because most 5 year old's dream bigger than you. 
   
You've been:   
   
• Reading Napoleon Hill since 18. 
• Finding passive businesses to operate. 
• Researching the best real estate deals on Redfin. 
  
Reality check:   
 
• All those books, but you never took action. 
• All that planning and you're still not a business owner.  
• All those spreadsheets but you never put the down payment. 
  
You're addicted to the knowledge. 
But sh*t scared of the rejection.  
  
Sounds like you, doesn't it?   
  
Knowledge is nothing in today's world. But, 
 
Knowledge + Action = Power. 
  
You have the knowledge, 
Here's how to take action today:    
   
1. Join a community. 
→ Asking help from like minded people can motivate you to not get left behind. 
  
2.  Pay for a mentor (or work for free). 
→ No, not the guy who has 100k followers and sells a course. 
→ Find someone who is 2-3 steps ahead of you and is still grinding it our everyday. 
 
3. Understand business principles. 
→ Business don't need to have a huge startup capital or a fancy product to begin with. 
→ Start with your passion, learn how to impact your surroundings, and charge a fee for doing it. 
   
Best part is? 
You can be brainwashed tomorrow and still be succesful. 
 
You don't need to know anything. 
 
You just need the desire to learn and persist. 
   
What else would you add?

My parents sold off everything in India for me and my sister to:  
  
• Go to college,  
• Getting a steady job,  
• Have a consistent salary,  
• Retire at 65 with grandchildren.  
  
90% of immigrants are here to achieve the same goal.  
  
They're stuck on a hamster wheel of:  
  
Get a job, Pay bills, Get a better job, Pay for more bills, and on...  
  
They don't realize the burden it takes on their mind and their bodies.  
  
I'm happy I learnt that at an early age.  
  
I'd rather spend my life:  
  
• Enjoying my time today.  
• Pursuing fulfillment than money.  
• Planning for the future, forgetting the past.  
  
If you want to achieve the same, here's what I'd do if I started all over again:  
  
1. Figure out what your passion is  
2. Dedicate 1 hour a day to master your passion  
3. Monetize your action by creating a business plan  
4. Take action  
  
Is it challenging? Yes.  
Will you want to give up? Always  
Will you doubt yourself? Absolutely  
Is it worth it? More than you can imagine  
  
I'm 25.  
  
- I make 6 figures  
- I've bought a house  
- I'm building a personal brand  
- I run a financial services business  
  
I'm not bragging.  
I'm showing you what's possible.  
  
So take this as motivation.  
January is almost done.  
  
Let 2024 be the year you change the direction of your life.

I'm working with Tech couples making $500,000/year.  
  
I'm also working with retirees making $50,000/year.  
  
This is what I've learnt serving my client base: 
  
→ Financial discipline is the main difference,  
Between someone making $1,000/month vs. $10,000/month.  
  
→ Educating people about their finances sells.  
Not the fee structure.  
  
→ Your history and your mission are both crucial,  
And bridge both of these with your story.  
  
→ Money is still a taboo topic,  
even in high-income households.  
  
→ Your salary on paper does not matter.  
It's your bank account balance that does.  
  
  
The only way to freedom is through education.  
  
So get literate to be liberated.  
  
Message me today to take the first step.

You're smart, you're educated. That's why you earn the big bucks. 
  
But education is also the reason for your financial downfall. 
  
Here's an example of my client. 
  
The client is a savvy W2 employee:  
 
→ Silicon Valley Engineer.  
→ Yale undergrad, Harvard grad. 
→ Household income of $470,000.  
→ $75,000 cash for an emergencies.   
→ Maxes out his 401k, Pre-tax for the deductions.  
 
He's highly sought after by the FAANG companies. 
 
With the track he was going on, he would:   
  
→ Retire at 51. 
→ Hit his retirement number. 
→ Send his children to college, loan free. 
→ Buy the Corvette ZR1 as his dream car.  
  
INSANE!  
  
But there's one constraint:  
He won't compromise his lifestyle in retirement.  
  
This depends on 2 things:  
 
1. His withdrawal tax status at retirement  
2. Future income tax rates  
  
With our projections, with the same income:  
  
→ No tax-free withdrawals in retirement.  
→ He would pay $880,000+ in taxes in a 30-year retirement period.  
  
BIG NO NO!  
  
Here's what my team did:  
  
• Educated him on his numbers.  
• 401k contributions from Traditional → Roth.  
• Initiated a Backdoor and Mega Backdoor Roth.  
• Supplemental income with Permanent Life insurance.  
  
Results:   
1. Protection in case he passes away.  
2. Tax-Free accessibility and withdrawal.  
3. Paying ~$630,000 less in taxes over his retirement. 
4. Least amount of money dependent on his tax bracket.  
5. 84% chance of him having the same (or more) income in retirement.  
 
They pay you the big bucks to be a Harvard grad. 
 
And you pay the big bucks to Uncle Sam because you're financially illiterate.  
 
No matter your education level,  
most financial knowledge out there is cookie cutter. 
 
Find an advisor who will tailor a plan for your needs and wants like a slim fitted pair of jeans. 
 
P.S:  
As frustrated as he was when he saw the numbers,  
I've never seen a more satisfied client after executing the plan.  
 
  
P.S.: Do you want to save more money on taxes? DM me "TAX" and let's see if it's a fit to work together.

88% of people don't achieve or fall short of their dreams.  
  
Here's why you are one of them:  
  
You believe everything you see on social media.  
  
• Millionaires at 18.  
• Always flying private.  
• Making $75,000/month.  
• Living a Dan Bilzerian lifestyle.  
  
That's less than 1% of people in the US.  
And you compare yourself to them?  
  
On the contrary, most millionaires:  
  
• Are 50+.  
• Fly Economy.  
• Have money tied up in assets.  
• Live frugally and spend time with family.  
  
Why not strive to be one of them?  
  
Remember,  
99% of the time, wealth is boring and slow.  
  
If comparing yourself to the top 1% doesn't motivate you,  
Then take the safer route instead.  
  
You'll still achieve your dreams.

Harsh Truth:

The Financial industry breeds salesmen, not advisors.


A chat I had last month resulted in a client. 
 
This is what his previous "advisor" was doing:  
  
• Never followed up.  
• Had a passive strategy. 
• Invested the money in income funds. 
• No diversification in Real Estate or other assets. 
  
My clients blind trust got the worst of him.
 
He wanted: 
  
• To get into syndications.  
• Active money management. 
• Small and Mid Cap growth assets.
  
His previous advisor was his friend from high school. 
 
Friendships have their place in business, 
But only until it stops working.  
  
Here's what made him switch over to us: 
  
1. Effective communication. 
  
→ I called him to give a market update, his advisor never called.
→ Markets change every day. I'm calling you if it affects you.
  
2. Aligning your investments.
  
→ Asking questions help us decide what you're looking for. 
→ Client services find what investments are best for you. 
  
3. Introductions 
  
→ We do equities. 
→ But we don't limit you to it. 
 
Introductions to: 
- PE Fund managers 
- RE syndicators 
- Attorneys 
- VC funds  
- Realtors 
 
to make sure you're ACTUALLY diversified and protected. 
 
There's nothing worse than doing the work,  
but the strategy doesn't strategize. 😂  

Anyone can learn to sell a product, 
only a few can handle long term planning.
 
Hope you're satisfied with yours. 
If not, you know where to find me.

Taplio

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