Roman Puglise, CFP®

This past weekend I officially announced my retirement from the sport of lacrosse🥍❤️ Here are the 5 biggest lessons I learned along the way👇

If you earn $400k+ and have seven figures in company equity... You’re probably focused on the wrong thing. It’s not just about taxes. It’s about how much of your life is riding on one company. Here’s how we think about it👇

You're raking in a high salary, your resume screams success, but your bank account tells a different story. That’s the HENRY dynamic. High Earners. Not Rich Yet. And the gap between those two words — “earning” and “rich” — is where most of the stress lives. This weeks read from Playing the Long Game (in bio or 👇)

@BeObjectiveNow @kinginvestings Not always about death or you. Recently had a buddy who got t-boned by a bicyclist on his phone. Police report filed and was 100% the bikers faulty but he had no insurance. Buddy's insurance covered the damages. I like to think of it as insurance because of other people.

@RomanPuglise @kinginvestings I've had life insurance for 15 years and I haven't died once! Total scam! 😄

Car insurance is a scam. No accidents. No tickets. No claims. and you still pay full price every year. Safe drivers deserve partial refunds.

@lindsaybitcoin This is awesome and the sign of optionality. Good on you guys. I am sure the beers taste very good too!

Every year my wife and I take PTO for the first 2 days of March Madness. We go to the spa before the Thursday games start then we park ourselves on the couch with a 3 tv set up, hangout, watch basketball and eat. It’s my favorite weekend of the year!

@RyanHaiss This is the part people don’t see. It’s not about outperforming a benchmark. It’s about helping someone make clear decisions when their world just got turned upside down.

Most people think financial planning is about managing money. Sometimes, it is about helping a family navigate the unthinkable. When a spouse passes away unexpectedly, the surviving family may be faced with major decisions around Social Security, RMDs, insurance proceeds, pension choices, taxes, estate settlement, account changes, and cash flow...all while grieving. That is why financial planning is about more than money. It is about helping people make thoughtful decisions during moments when life feels overwhelming. The value of a financial planner is not always measured in returns. Sometimes, it is measured in clarity, steadiness, and guidance when it matters most.

@InvestingAddict Markets are still near all time highs and that shouldn't matter. The markets will continue to make more and more highs... just keep investing. Source: JPM

I just bought $300 worth of $VOO and $200 worth of Bitcoin. I am 26. Why would I want the market to go up? Stop being so scared.

@farzalistudios Automation is the easiest way to begin your saving/investing journey. It forces you to pay yourself first and then reverse budget!

If you’re just learning the habit of savings, here’s a simple way to stick to it - Banks have auto deposit - Take money directly from your account put it into an investment - Set it up for your pay days Comes out when your pay cheque goes it, saves you time and temptation

@MarketPalmer_ @TheMattViera Should I post my queued up thread on this now... have to wait a few more days! WSJ article.

@TheMattViera Wow. I had no idea! This is a huge step in the right direction.

If schools are teaching us: – Cursive – Calculus – Bunsen burners – How to dissect a frog They should be teaching personal finance as well.

@awealthofcs Everyone wants the crash… Until it actually shows up. Then it’s a completely different conversation.

There's a scene in Forest Gump where they're on the shrimp boat in the middle of a hurricane Lieutenant Dan says something like: You call this a storm?! Is that all you've got?! That's a lot of investors today Some ppl are just ready for a big correction

@NaijaBudgetBro Wealth grows faster when it’s not constantly being displayed. Less noise. Fewer opinions. Better decisions.

The quickest way to lose money is letting everyone know you have it. Move quietly. Let people think you’re just getting by while you’re building in silence.

@Greiser And that forcing factor may not always be something that is the intended outcome.

@RomanPuglise The build vs. protect mode shift is the most underused concept in equity planning. Most never make the switch consciously. The default is to keep accumulating until something forces the decision.

@FranWalsh73 Love that - exactly what we talk to clients about.

@RomanPuglise This is great - "Build wealth through concentration, and keep it through diversification" is a common quote we hear. Super applicable when it comes to high earners with equity comp

@TheMattViera LOL - I think it's something like the mini-retirement maximalist!

@RomanPuglise What's the name of the dynamic for relatively low earners who are home owners in NYC and spend their summers in Europe?

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Disclaimer: This information is intended for educational use only and is based on personal opinions. This does not constitute investment, portfolio, or tax advice.

@FoxNews Let's end this one with a bang, boys. Red White and Blue🇺🇸

BREAKING: "We will finish this. We will honor their sacrifice." — Secretary of War Pete Hegseth

@themotleyfool Everyone feels it when things get shaky. The difference is who still sticks to the plan anyway.

The best investors aren’t fearless. They’re just trained to act despite fear.

@indexnforgetit People have been predicting the end for decades. Meanwhile, markets keep moving higher over time. Sitting in fear is expensive.

The problem with reading too much on X is it's filled with doomer posts You start to see everyone's opinions on the world, how bad it is, how bad it can get, what's about to go wrong... And then you start to believe it You make decisions with a doomer framework and then when the doom event doesn't happen, you've missed out on big opportunities Pessimists look smart but optimists get rich