{"id":46,"date":"2014-03-18T10:54:00","date_gmt":"2014-03-18T10:54:00","guid":{"rendered":"http:\/\/the7.dream-demo.com\/business\/?page_id=46"},"modified":"2019-07-16T21:23:03","modified_gmt":"2019-07-16T21:23:03","slug":"vlog","status":"publish","type":"page","link":"https:\/\/fi-nancialplanner.com\/index.php\/vlog\/","title":{"rendered":"Vlog"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row bg_type=&#8221;image&#8221; parallax_style=&#8221;vcpb-vz-jquery&#8221; bg_image_new=&#8221;id^1616|url^https:\/\/the7.io\/creative\/wp-content\/uploads\/sites\/3\/2014\/03\/fancyblue.gif|caption^null|alt^null|title^fancyblue|description^null&#8221; bg_image_repeat=&#8221;no-repeat&#8221; bg_override=&#8221;ex-full&#8221; type=&#8221;vc_default&#8221; margin_top=&#8221;-50&#8243; css=&#8221;.vc_custom_1526058791408{padding-top: 10% !important;padding-bottom: 10% !important;background-color: #0b5482 !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-12 vc_col-md-12&#8243; css=&#8221;.vc_custom_1526058796095{padding-top: 100px !important;padding-bottom: 20px !important;}&#8221;]<div id=\"ultimate-heading-216069d5246cede3f\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-216069d5246cede3f uvc-1829 accent-subtitle-color\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-216069d5246cede3f h2'  data-responsive-json-new='{\"font-size\":\"desktop:70px;mobile_landscape:30px;\",\"line-height\":\"desktop:80px;mobile_landscape:40px;\"}' ><h2 style=\"--font-weight:theme;color:#ffffff;\">VLOG<\/h2><\/div><div class=\"uvc-sub-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-216069d5246cede3f .uvc-sub-heading '  data-responsive-json-new='{\"font-size\":\"desktop:40px;mobile_landscape:22px;\",\"line-height\":\"desktop:50px;mobile_landscape:32px;\"}'  style=\"font-family:&#039;Roboto&#039;;font-weight:normal;color:#ffffff;margin-top:10px;margin-bottom:25px;\">Video Insights from FI-nancial Planner<\/div><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;vc_default&#8221; css=&#8221;.vc_custom_1563312165121{padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1490282465784{padding-right: 50px !important;padding-left: 50px !important;}&#8221;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.blog-shortcode.blog-list-shortcode-id-9d0f6ce264ffb81843824483b136a882.dividers-on.classic-layout-list article {\n  margin-top: 50px;\n  padding-top: 0;\n}\n.blog-shortcode.blog-list-shortcode-id-9d0f6ce264ffb81843824483b136a882.dividers-on.classic-layout-list article:first-of-type {\n  margin-top: 0;\n  padding-top: 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.blog-shortcode.blog-list-shortcode-id-9d0f6ce264ffb81843824483b136a882 .post-details {\n    margin: 5px 0 10px;\n  }\n  #page .blog-shortcode.blog-list-shortcode-id-9d0f6ce264ffb81843824483b136a882 .post-details.details-type-link {\n    margin-bottom: 2px;\n  }\n}<\/style><div class=\"articles-list blog-shortcode mode-list blog-list-shortcode-id-9d0f6ce264ffb81843824483b136a882 classic-layout-list content-bg-on jquery-filter scale-img dt-icon-bg-off loading-effect-fade-in\" data-cur-page=\"1\" data-post-limit=\"4\" data-pagination-mode=\"load-more\" aria-live=\"assertive\"><article class=\"post project-odd visible no-img post-60237 type-post status-publish format-standard hentry category-uncategorized category-1 description-off\" data-name=\"2025 One Big Beautiful Bill Act Summary\" data-date=\"2025-08-14T19:17:57+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2025\/08\/14\/2025-one-big-beautiful-bill-act-summary\/\" title=\"2025 One Big Beautiful Bill Act Summary\" rel=\"bookmark\">2025 One Big Beautiful Bill Act Summary<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/uncategorized\/\" >Uncategorized<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2025\/08\/14\/\" title=\"7:17 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2025-08-14T19:17:57+00:00\">August 14, 2025<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"One Big Beautiful Bill Act 2025 Summary\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/9JLRqruAXV4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>There were some significant changes to individual tax provisions came out of the One Big Beautiful Bill Act which passed on July 4, 2025.  There were a lot of extensions to previous law provisions (from the Tax Cuts and Jobs Act back in 2016) too.  Check out this video summarizing the individual provisions of this bill!<\/p>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2025\/08\/14\/2025-one-big-beautiful-bill-act-summary\/\" class=\"post-details details-type-link\" aria-label=\"Read more about 2025 One Big Beautiful Bill Act Summary\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd visible no-img post-15656 type-post status-publish format-standard hentry category-uncategorized category-1 description-off\" data-name=\"2021 Covid Stimulus Bill Summary\" data-date=\"2021-03-09T21:43:55+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2021\/03\/09\/2021-covid-stimulus-bill-summary\/\" title=\"2021 Covid Stimulus Bill Summary\" rel=\"bookmark\">2021 Covid Stimulus Bill Summary<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/uncategorized\/\" >Uncategorized<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2021\/03\/09\/\" title=\"9:43 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2021-03-09T21:43:55+00:00\">March 9, 2021<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\"><p><iframe loading=\"lazy\" title=\"2021 Covid Stimulus Summary - American Rescue Plan\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/T2_GKKQ2M0Q?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>Here&#8217;s a summary of the main planning opportunities with the Covid Stimulus Bill &#8211; American Recovery Act which recently passed the Senate and went back to the House to finalize.<\/p>\n<p>Bulletpoint summary:<\/p>\n<ul>\n<li>$1,400 stimulus payment for taxpayers and dependents, on income up to 75-80k for single filers and 150-160k for joint filers.\u00a0 This is based on the latest filed tax return, so consider accelerating your filing (if income is dropping below threshold) or delaying filing (if income is increasing)<\/li>\n<li>COBRA Health insurance &#8211; the government will cover the premiums from April 1 to September 30th if you qualify for coverage.<\/li>\n<li>Child\/Dependent Care Credit &#8211; expanded benefit from 3k\/6k to 4k\/8k, up to 50% of expenses.\u00a0 Full benefit expanded for households earning up to 125k, and phases out up to 400k of income.<\/li>\n<li>Child Tax Credit &#8211; increased from 2k per child to 3k per child (3,600 if 5 or under).\u00a0 Half of the credit will be advanced to taxpayers, to be paid starting in July.<\/li>\n<li>Dependent care flexible spending account &#8211; contribution limit increased to 10,500 from 5,000.\u00a0 Employers must allow employees to update their contribution amounts!<\/li>\n<li>Student loan debt forgiveness &#8211; any loans that are forgiven or cancelled between 2021 and 2025 will not be taxable.<\/li>\n<\/ul>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2021\/03\/09\/2021-covid-stimulus-bill-summary\/\" class=\"post-details details-type-link\" aria-label=\"Read more about 2021 Covid Stimulus Bill Summary\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd visible no-img post-15634 type-post status-publish format-standard hentry category-uncategorized category-1 description-off\" data-name=\"Financial Planning for President-Elect Joe Biden&#8217;s Tax Proposals\" data-date=\"2020-11-13T20:56:24+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/11\/13\/financial-planning-president-elect-bidens-tax-proposals\/\" title=\"Financial Planning for President-Elect Joe Biden&#8217;s Tax Proposals\" rel=\"bookmark\">Financial Planning for President-Elect Joe Biden&#8217;s Tax Proposals<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/uncategorized\/\" >Uncategorized<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/11\/13\/\" title=\"8:56 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2020-11-13T20:56:24+00:00\">November 13, 2020<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\"><p>In this video, I walk through Biden&#8217;s proposed tax changes and some planning opportunities if each of them became law. It&#8217;s important to note the likelihood of passage of any of these proposals is small at the current moment given that control of the Senate is still up for a runoff in Georgia, and that the proposals are from the Executive branch vs the Legislative branch where laws are actually made!<\/p>\n<p><iframe loading=\"lazy\" title=\"Financial Planning for Biden&#039;s Tax Proposals\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/JWd1cetphGE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>Here&#8217;s a bullet point summary:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Significant changes for those earning over ~400k &#8211; both on the tax rate side and on tax deductions:<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Top tax bracket back to 39.6% (as it was in the Obama years), but now applies to taxable income over 400k (whether single or married filer) &#8211; net impact +2.6-4.6%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Wage earnings above 400k (per earner) would be subject to FICA again, whereas it phases out at 137k now &#8211; net impact +6.2%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">QBI deduction (20% reduction on business income) above 400k &#8211; net impact +10-11.6% (was previously 80% of 37% = 29.6% effective marginal rate)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cap the value of itemized deductions at 28% &#8211; net impact +11.6% on deductible expenses<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Planning strategies &#8211; to the extent possible, pull income and deductions forward to be taxed at a lower marginal rate and to preserve deductions<\/p>\n<ul>\n<li>Other proposals:\n<ul>\n<li>Long Term Capital Gains with income over $1m would be subject to ordinary tax rates (i.e. 39.6% vs 23.8% previously)<\/li>\n<li>Tax deferral on 1031 exchanges eliminated if income over 400k<\/li>\n<li>Flat tax credit to replace reduction in taxable income from traditional retirement account contributions<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Planning strategies &#8211; manage controllable income for capital gains and losses and sales of real estate where possible.\u00a0 On retirement contributions, you should compare your current and future projected tax rates to the 26% proposed cap.\u00a0 We would try to determine whether it&#8217;s worth taking a 26% credit now compared to paying a higher rate in the future combined with today&#8217;s rate.\u00a0 Higher income taxpayers would likely be better with a Roth account whereas lower income earners would likely be better off with a traditional account and a 26% tax benefit.\u00a0 I&#8217;d be more than happy to talk through the nuances of this with you!<\/p>\n<p>Here&#8217;s a link to the <a href=\"https:\/\/www.kitces.com\/blog\/biden-tax-plan-cuts-democrat-proposal-capital-gains-396-increase-estate-exemption-retirement-credit\/\">Michael Kitces summary<\/a> I mentioned.<\/p>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/11\/13\/financial-planning-president-elect-bidens-tax-proposals\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Financial Planning for President-Elect Joe Biden&#8217;s Tax Proposals\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd visible no-img post-15630 type-post status-publish format-standard hentry category-uncategorized category-1 description-off\" data-name=\"Does the President Impact the Stock Market?\" data-date=\"2020-10-01T19:18:51+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/10\/01\/does-the-president-impact-the-stock-market\/\" title=\"Does the President Impact the Stock Market?\" rel=\"bookmark\">Does the President Impact the Stock Market?<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/uncategorized\/\" >Uncategorized<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/10\/01\/\" title=\"7:18 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2020-10-01T19:18:51+00:00\">October 1, 2020<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\"><p>Here&#8217;s a short video showing how the presidential party impacts (or not) the stock market over the long term.\u00a0 Since we are &#8211; or should be &#8211; long term investors, we should not be concerned about which party holds the White House from an investment perspective!<\/p>\n<p>Over the last 100 years and 15 presidencies, there are three presidents that ended their terms with a lower market valuation than when they started.\u00a0 Overall, the stock market has a steady rise upward over time.\u00a0 Therefore, do not fret about the upcoming election, the debates or anything else political when thinking about your investments.\u00a0 Building a long term investment plan and allocation that we can stick with through ups, downs and everything in between is the most important part of investing.\u00a0 By also keeping costs down and systematically buying in over time, you will likely need to have to sit down when you open those brokerage statements at retirement!<\/p>\n<p>I hope this is an informative take on the current situation and I hope it helps you be a little bit less concerned about politics over the next month or so.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"How Much Impact Does the President Have on Stocks?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/jcLs83dniis?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/10\/01\/does-the-president-impact-the-stock-market\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Does the President Impact the Stock Market?\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15619 type-post status-publish format-standard hentry category-uncategorized category-1 description-off\" data-name=\"Recent Brokerage Mailers &#8211; Form CRS and Retirement Account Changes\" data-date=\"2020-08-21T20:30:09+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/08\/21\/regulatory-changes-and-form-crs\/\" title=\"Recent Brokerage Mailers &#8211; Form CRS and Retirement Account Changes\" rel=\"bookmark\">Recent Brokerage Mailers &#8211; Form CRS and Retirement Account Changes<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/uncategorized\/\" >Uncategorized<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/08\/21\/\" title=\"8:30 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2020-08-21T20:30:09+00:00\">August 21, 2020<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\"><p>I recenly received several mailers from TD Ameritrade where I hold my investment accounts and also where I custody client assets.&nbsp; Both documents were in response to recent legislation or regulations from the Securities and Exchange Commission.&nbsp; In this video, I walk through those two statements and talk to how it impacts my clients.&nbsp; On the Form CRS, I am not required to complete this form and provide it to my clients, so I talked through it providing my answers to the questions on the form, comparing those to TD Ameritrade.<\/p>\n<p><span style=\"text-decoration: underline;\">Here are links to the two forms I shared on my screen:<\/span><\/p>\n<p>TDA Rules &amp; Disclosure form: <a href=\"https:\/\/tinyurl.com\/y3j4ks6w\">https:\/\/tinyurl.com\/y3j4ks6w <\/a><\/p>\n<p>TDA Form CRS: <a href=\"https:\/\/tinyurl.com\/y5fmanen\">https:\/\/tinyurl.com\/y5fmanen<\/a><\/p>\n<p><span style=\"text-decoration: underline;\">Links to my service descriptions:<\/span><\/p>\n<p><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/financial-planning\/\">Financial Planning<\/a><\/p>\n<p><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/portfolio-management\/\">Portfolio Management<\/a><\/p>\n<p><span style=\"text-decoration: underline;\">Legal and Disciplinary History:<\/span><\/p>\n<p><a href=\"https:\/\/www.cfp.net\/utility\/verify-an-individual-s-cfp-certification-and-background\/Details\/?key=cfc4618f-8c7d-4a6e-87ec-8de17db51996&amp;FirstName=daniel&amp;LastName=kenny&amp;Page=1\">CFP Board<\/a><\/p>\n<p><a href=\"https:\/\/brokercheck.finra.org\/\">Brokercheck<\/a><\/p>\n<p><iframe loading=\"lazy\" title=\"Retirement Account Changes &amp; SEC Form CRS\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/WwRi5hQGvMU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2020\/08\/21\/regulatory-changes-and-form-crs\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Recent Brokerage Mailers &#8211; Form CRS and Retirement Account Changes\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15487 type-post status-publish format-standard hentry category-fire category-53 description-off\" data-name=\"Should I Include Social Security in My FIRE Plan?\" data-date=\"2019-09-20T14:38:23+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/20\/include-social-security-in-my-fire-plan\/\" title=\"Should I Include Social Security in My FIRE Plan?\" rel=\"bookmark\">Should I Include Social Security in My FIRE Plan?<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/fire\/\" >FIRE<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/20\/\" title=\"2:38 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-09-20T14:38:23+00:00\">September 20, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>When you&#8217;re planning for FIRE, should you include income from Social Security in your projections?  Well, today I aim to answer that question by talking about what I consider to be the worst case scenario: the Social Security Administration makes a unilateral cut to the benefit payouts.<\/p>\n\n\n\n<p>I talk about how much that would be and why I think you should include some level of social security income in your retirement plan.<\/p>\n\n\n\n<p>Additionally, I talk about the tax implications of receiving social security benefits while you&#8217;ve got other income, whether portfolio income or earned income.  In 2019, if your &#8220;combined income&#8221; of 1\/2 of the social security benefit and your other income sources is above $44,000, then 85% of your social security benefit can be taxed, at ordinary tax rates.  <\/p>\n\n\n\n<p>The math on that could look like this: $10,000 of social security benefits, 8,500 are taxable at 22%, or $1,870 in tax.<\/p>\n\n\n\n<p>If you&#8217;d like to dig into the details of your own situation, please schedule a call so we can get into the specifics together!<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Should You Include Social Security in your FIRE Plan?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/Vjn6yM0foac?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/20\/include-social-security-in-my-fire-plan\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Should I Include Social Security in My FIRE Plan?\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15483 type-post status-publish format-standard hentry category-fire category-53 description-off\" data-name=\"Top Tips for Pursuing FIRE\" data-date=\"2019-09-13T18:53:40+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/13\/top-tips-for-pursuing-fire\/\" title=\"Top Tips for Pursuing FIRE\" rel=\"bookmark\">Top Tips for Pursuing FIRE<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/fire\/\" >FIRE<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/13\/\" title=\"6:53 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-09-13T18:53:40+00:00\">September 13, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today I discuss the top tips I have for those pursuing FI or FIRE.  <\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Think more about the income your portfolio or investments will produce, and this way you&#8217;re not as focused on such a high FI number, especially if you have rental properties, side hustle or other business interest.<\/li><li>Anticipate earning income in retirement.  If you are motivated enough to reach FI, then you&#8217;re probably not going to be able to do nothing for 50+ years of retirement.<\/li><li>Don&#8217;t rely on the 4% rule, as this was built for 30-35 year retirement horizons.<\/li><li>Change your life for the better now!<\/li><li>If you&#8217;re close to FI, you have the flexibility to start something new and build a new life that you can enjoy more than your current one.<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Top Tips for Pursuing FIRE\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/RFa7sM0M9lU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/13\/top-tips-for-pursuing-fire\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Top Tips for Pursuing FIRE\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15485 type-post status-publish format-standard hentry category-fire category-53 description-off\" data-name=\"Biggest Surprises When Planning for FIRE\" data-date=\"2019-09-06T16:12:41+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/06\/biggest-surprises-when-planning-for-fire\/\" title=\"Biggest Surprises When Planning for FIRE\" rel=\"bookmark\">Biggest Surprises When Planning for FIRE<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/fire\/\" >FIRE<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/06\/\" title=\"4:12 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-09-06T16:12:41+00:00\">September 6, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today I discuss some of the biggest surprises for my clients when we&#8217;re planning for financial independence, whether or not they&#8217;re planning to retire early.<\/p>\n\n\n\n<p>One of the biggest and squishiest questions I ask is for my clients to get very specific about what retirement or life at FI will look like.  By trying to dig deep here, we can identify goals and steps you can take to adjust your life now to make it more livable or set up your new lifestyle for success.<\/p>\n\n\n\n<p>The other big point is that you should be targeting income in retirement rather than a financial independence number.  By thinking about income, you will become more open to the value of income producing assets such as businesses, real estate or side hustles.  This could help you reach FI faster, but also make it less daunting than targeting a number in the millions.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Biggest Surprises Planning for FIRE\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/vOTGdicwXhM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/09\/06\/biggest-surprises-when-planning-for-fire\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Biggest Surprises When Planning for FIRE\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15481 type-post status-publish format-standard hentry category-investments category-51 description-off\" data-name=\"ETFs vs Mutual Funds &#8211; Which is Better and Why?\" data-date=\"2019-08-23T13:23:35+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/23\/etfs-vs-mutual-funds-which-is-better-why\/\" title=\"ETFs vs Mutual Funds &#8211; Which is Better and Why?\" rel=\"bookmark\">ETFs vs Mutual Funds &#8211; Which is Better and Why?<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/investments\/\" >Investments<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/23\/\" title=\"1:23 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-08-23T13:23:35+00:00\">August 23, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\"><div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]Today I talk about the two main investment vehicles to use to invest your portfolio: Exchange Traded Funds and Mutual Funds.<\/p>\r\n\r\n<p>I talk about the differences between the two, including the tax implications, expense ratios and trading costs. In there, there&#8217;s certainly pros and cons for each, so I also discuss what I recommend for use in different situations.<\/p>\r\n\r\n<p>[\/vc_column_text][vc_video link=&#8221;https:\/\/youtu.be\/B-EpFExYUEk&#8221;][\/vc_column][\/vc_row]<\/p><\/div><\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/23\/etfs-vs-mutual-funds-which-is-better-why\/\" class=\"post-details details-type-link\" aria-label=\"Read more about ETFs vs Mutual Funds &#8211; Which is Better and Why?\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15479 type-post status-publish format-standard hentry category-fire category-53 description-off\" data-name=\"Hurdles for FIRE, and How to Plan For Them\" data-date=\"2019-08-19T19:08:25+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/19\/hurdles-for-fire-and-how-to-plan-for-them\/\" title=\"Hurdles for FIRE, and How to Plan For Them\" rel=\"bookmark\">Hurdles for FIRE, and How to Plan For Them<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/fire\/\" >FIRE<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/19\/\" title=\"7:08 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-08-19T19:08:25+00:00\">August 19, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today I talk about some of the hurdles faced by the Financial Independence community.  <\/p>\n\n\n\n<p>I discuss Health Insurance &#8211; arguably the biggest concern faced by early retirees.  To plan for this, we can look at different health insurance options and discuss the costs and how those costs would impact your plan.<\/p>\n\n\n\n<p>Also, I talk about how going the DIY route can sabotage your plans in two specific areas: estate documents and insurance.<\/p>\n\n\n\n<p>Finally, I speak about the mental aspect of FIRE, and how you should think through things and approach early retirement mentally.<\/p>\n\n\n\n<p>If these resonate with you, please click the link up above to schedule a call with me!<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Hurdles for FIRE - Financial Planning\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/4ThiFSt3CtE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/19\/hurdles-for-fire-and-how-to-plan-for-them\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Hurdles for FIRE, and How to Plan For Them\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15476 type-post status-publish format-standard hentry category-fire category-investments category-53 category-51 description-off\" data-name=\"How Does Asset Allocation Differ for FIRE?\" data-date=\"2019-08-10T17:03:22+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/10\/how-does-asset-allocation-differ-for-fire\/\" title=\"How Does Asset Allocation Differ for FIRE?\" rel=\"bookmark\">How Does Asset Allocation Differ for FIRE?<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/fire\/\" >FIRE<\/a>, <a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/investments\/\" >Investments<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/10\/\" title=\"5:03 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-08-10T17:03:22+00:00\">August 10, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today I discuss how asset allocation differs for those in the FIRE community.  The big takeaways are: you&#8217;re planning for a longer time horizon so you may need to be more aggressive with your investments, weighing out the upside of an allocation versus the downside risk, how real estate could play a role in your portfolio and how expected cash needs impact your overall allocation.<\/p>\n\n\n\n<p>One of the main considerations when thinking about your asset allocation for an early retirement is that you will likely need to live off of your portfolio for an incredibly long time.  With life expectancies increasing for those with educations and wealth (most of the FIRE community), its likely that you will be living into your 90s or maybe your 100s.  That means you could need your portfolio to sustain your lifestyle for upwards of 70 years!  Therefore, you probably can&#8217;t go with too conservative of a portfolio, as you&#8217;ll need growth from stocks to help the portfolio last so long.<\/p>\n\n\n\n<p>As you&#8217;re thinking about the impact of your asset allocation, it&#8217;s important to think about the upside potential and downside risk of differing mixes of stocks and bonds.  Additionally, considering other types of investments such as real estate could provide additional sources of income and further diversification to your portfolio.<\/p>\n\n\n\n<p>Finally, I speak about maintaining some funds in safety assets, cash and bonds, for those known cash needs over the next eight years.  It doesn&#8217;t make sense to take more risk than you have to with those assets, it would be terrible to have to push off a home purchase because your investments are down, or have to work for an additional two years because you invested your portfolio aggressively and a bear market hit right as you were set to retire!<\/p>\n\n\n\n<p>I hope this is a helpful take on how asset allocation differs for those in the FIRE community.  Please schedule some time to chat if any of these points resonated with you.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"How Does Asset Allocation Differ for FIRE?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/GkxUX37t708?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/10\/how-does-asset-allocation-differ-for-fire\/\" class=\"post-details details-type-link\" aria-label=\"Read more about How Does Asset Allocation Differ for FIRE?\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15473 type-post status-publish format-standard hentry category-fire category-53 description-off\" data-name=\"How Financial Planning Differs for the FIRE Community\" data-date=\"2019-08-02T15:45:49+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/02\/planning-differs-for-fire-community\/\" title=\"How Financial Planning Differs for the FIRE Community\" rel=\"bookmark\">How Financial Planning Differs for the FIRE Community<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/fire\/\" >FIRE<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/02\/\" title=\"3:45 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-08-02T15:45:49+00:00\">August 2, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today, I describe the differences in financial planning for those in the financial independence movement.  I did not record this video from heaven, but I did include some prophetic tips!<\/p>\n\n\n\n<p>Highlights include the following: <\/p>\n\n\n\n<p>A high savings rate could mean you need to consider asset location in addition to allocation.  Consider that bonds and bond funds produce more taxable income due to their interest payments, it might make sense to keep these in a tax deferred account.  On the flip side, keeping stocks or a particular type of stock in a Roth IRA might make sense if you expect outsized growth from these assets.<\/p>\n\n\n\n<p>Additionally, thinking about your required rate of return to meet your goals, since the FIRE community usually want to reach financial independence as soon as possible, it&#8217;s not as easy as saying you need a 7% rate of return for 15 years and you&#8217;ll reach your goals.  <\/p>\n\n\n\n<p>Finally, consider whether that your spending may increase in early retirement!<\/p>\n\n\n\n<p>Thanks for taking a look at this video, if any of these points resonated with you, please schedule a call with me so we can talk about what your goals are and how I may be able to help you.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"How is Financial Planning Different for FIRE?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/BoD7YkrLoxQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/08\/02\/planning-differs-for-fire-community\/\" class=\"post-details details-type-link\" aria-label=\"Read more about How Financial Planning Differs for the FIRE Community\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15467 type-post status-publish format-standard hentry category-qa category-uncategorized category-52 category-1 description-off\" data-name=\"Asset allocation: What&#8217;s Right for Me?\" data-date=\"2019-07-26T18:42:02+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/07\/26\/asset-allocation-whats-right-for-me\/\" title=\"Asset allocation: What&#8217;s Right for Me?\" rel=\"bookmark\">Asset allocation: What&#8217;s Right for Me?<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/qa\/\" >Q&amp;A<\/a>, <a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/uncategorized\/\" >Uncategorized<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/07\/26\/\" title=\"6:42 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-07-26T18:42:02+00:00\">July 26, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today I discuss important factors to consider when trying to determine the appropriate asset allocation &#8211; between stocks and bonds.  In the video, I reference two articles I wrote, linked below.  The first article speaks to keeping what you earn by investing more conservatively.  The second  speaks to the multiple steps I take to determine the appropriate asset allocation including: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Keeping 8 years of cash needs in safety assets (bonds or stocks)<\/li><li>The required rate of return for your financial plan to succeed<\/li><li>The results of your risk tolerance questionnaire, including a question to think about the maximum tolerable dollar loss in your portfolio (rather than percentage loss)<\/li><\/ul>\n\n\n\n<p>Since you&#8217;re already on my website (congratulations!) please take a look around.  If you think that you would like to talk with me further about how we could work together to come up with the right allocation for you, or about financial planning in general, I would love to speak with you.  Please send me a message or click the green button at the top of your screen to schedule a call with me.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Asset Allocation - What&#039;s Right for Me?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/hx_L_SdEBWQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p> <\/p>\n\n\n\n<div class=\"wp-block-columns has-2-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed-wordpress wp-block-embed is-type-wp-embed is-provider-choosefi\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"4ElJRnLByD\"><a href=\"https:\/\/www.choosefi.com\/why-investing-conservatively-is-better\/\">Why Investing Conservatively Is Better<\/a><\/blockquote><iframe loading=\"lazy\" title=\"&#8220;Why Investing Conservatively Is Better&#8221; &#8212; ChooseFI\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" src=\"https:\/\/www.choosefi.com\/why-investing-conservatively-is-better\/embed\/#?secret=4ElJRnLByD\" data-secret=\"4ElJRnLByD\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed-wordpress wp-block-embed is-type-wp-embed is-provider-choosefi\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"Ycu0BcqPOD\"><a href=\"https:\/\/www.choosefi.com\/how-to-determine-implement-asset-allocation\/\">Where Should You Invest? How To Determine And Implement Your Asset Allocation<\/a><\/blockquote><iframe loading=\"lazy\" title=\"&#8220;Where Should You Invest? How To Determine And Implement Your Asset Allocation&#8221; &#8212; ChooseFI\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" src=\"https:\/\/www.choosefi.com\/how-to-determine-implement-asset-allocation\/embed\/#?secret=Ycu0BcqPOD\" data-secret=\"Ycu0BcqPOD\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/07\/26\/asset-allocation-whats-right-for-me\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Asset allocation: What&#8217;s Right for Me?\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><article class=\"post project-odd hidden no-img post-15458 type-post status-publish format-standard hentry category-qa category-52 description-off\" data-name=\"Q&#038;A: How do I get my spouse on board with FI?\" data-date=\"2019-07-16T21:13:56+00:00\">\n\n<div class=\"post-entry-content\">\n\n\t<h3 class=\"entry-title\">\n\t\t<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/07\/16\/spouse-on-board\/\" title=\"Q&#038;A: How do I get my spouse on board with FI?\" rel=\"bookmark\">Q&#038;A: How do I get my spouse on board with FI?<\/a>\n\t<\/h3>\n\n\t<div class=\"entry-meta\"><span class=\"category-link\"><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/category\/qa\/\" >Q&amp;A<\/a><\/span><a class=\"author vcard\" href=\"https:\/\/fi-nancialplanner.com\/index.php\/author\/dkenny\/\" title=\"View all posts by Daniel Kenny, CPA, CFP\u00ae\" rel=\"author\">By <span class=\"fn\">Daniel Kenny, CPA, CFP\u00ae<\/span><\/a><a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/07\/16\/\" title=\"9:13 pm\" class=\"data-link\" rel=\"bookmark\"><time class=\"entry-date updated\" datetime=\"2019-07-16T21:13:56+00:00\">July 16, 2019<\/time><\/a><\/div>\n\t<div class=\"entry-excerpt\">\n<p>Today I answer one of my most frequently asked questions: How do I get my spouse on board with Financial Independence?<\/p>\n\n\n\n<p>Primarily, I see it as a conflict of goals between the two spouses.\u00a0 Having a frank and honest discussion about goals and how life will change after reaching Financial Independence is the best way to approach this problem.\u00a0 In addition, it may be worth having a third party facilitate the conversation to discuss your goals, determine feasibility of reaching FI and generally make sure it is a fair and even discussion for both sides.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Q&amp;A: How do I get my spouse on board with Financial Independence?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/Rwz76OOKhoo?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n<\/div>\n\t\n<a href=\"https:\/\/fi-nancialplanner.com\/index.php\/2019\/07\/16\/spouse-on-board\/\" class=\"post-details details-type-link\" aria-label=\"Read more about Q&#038;A: How do I get my spouse on board with FI?\">Read more<i class=\"dt-icon-the7-arrow-03\" aria-hidden=\"true\"><\/i><\/a>\n\n<\/div><\/article><div class=\"paginator paginator-more-button\">\n\t\t\t\t<a class=\"button-load-more \" href=\"javascript:void(0);\" data-dt-page=\"1\" ><span class=\"stick\"><\/span><span class=\"stick\"><\/span><span class=\"stick\"><\/span><span class=\"button-caption\">Load more<\/span><\/a>\n\t\t\t<\/div><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row bg_type=&#8221;image&#8221; parallax_style=&#8221;vcpb-vz-jquery&#8221; bg_image_new=&#8221;id^1616|url^https:\/\/the7.io\/creative\/wp-content\/uploads\/sites\/3\/2014\/03\/fancyblue.gif|caption^null|alt^null|title^fancyblue|description^null&#8221; 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