Andrew Casertano, WMCP®, CPFA®

34 posts

Andrew Casertano, WMCP®, CPFA®

Andrew Casertano, WMCP®, CPFA®

@Andrew68508

Katılım Eylül 2023
699 Takip Edilen141 Takipçiler
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Andrew Casertano, WMCP®, CPFA®
Andrew Casertano, WMCP®, CPFA®@Andrew68508·
Andrew Casertano, Financial Advisor Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
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Andrew Casertano, WMCP®, CPFA®
Andrew Casertano, WMCP®, CPFA®@Andrew68508·
@Rick_Ferri If all of an advisor's time is spent managing portfolios, he's not an advisor. He's a portfolio manager. If he has other tasks he's doing (such as financial planning, risk management, tax optimization, legacy planning) then why is it bad he gets compensated with AUM?
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Rick Ferri, CFA
Rick Ferri, CFA@Rick_Ferri·
When I write on X a single world equity index fund (VT) or ~65% total US stocks (VTI) and ~35% total international stocks (VXUS) is all the equity most people need to achieve their objectives, the pushback I get isn’t from individuals, it’s from advisers who charge high AUM fees.
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Optimized Portfolio | John Williamson, APMA®
Optimized Portfolio | John Williamson, APMA®@OptimizedPort·
Financial advisor effectively asks Grok if dividends are free extra money (they're not) and if using them as income is superior to selling shares of an equal amount (it's not). Grok says no for both. Financial advisor says he disagrees. Can't make this stuff up. Had to share.
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Optimized Portfolio | John Williamson, APMA®
Optimized Portfolio | John Williamson, APMA®@OptimizedPort·
1. Target date funds are often demonstrably suboptimal on paper. 2. Target date funds are great for those who need what they offer. Both things can be true.
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Investing Addict
Investing Addict@InvestingAddict·
Financial advisors charging clients fees while knowing they could just buy $VOO and build wealth without them.
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Ramit Sethi
Ramit Sethi@ramit·
I hate 1% AUM fees, whole life insurance fees, sales loads, realtor commissions, and hidden fees What I love: being wealthy enough to happily pay my taxes — which help the poor & middle class — tipping generously, and paying people well for their service
Small Cap Value Opportunities@SmallCapVal

@ramit There isn’t a tax or fee Ramit Scamthi didn’t love!!!

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Fran Walsh
Fran Walsh@FranWalsh73·
@ramit Lol bro you won’t engage in a serious conversation with an educated advisor on the fee debate. Meanwhile you’ll continue charging for your nonsense courses! An all time grift
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Mark Cecchini, CFP®
Mark Cecchini, CFP®@markcecchini·
Repeat after me: “Congrats! When is he/she due?” “Congrats! It’s the best thing ever.” “Congrats! It flies by. Enjoy every minute.” or literally anything but: “Enjoy your sleep now!” “Say goodbye to your free time!” “The newborn phase is the easy part lol. You’ll see.”
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Kix
Kix@SpeculatorArt·
Buying a home is actually a great investment, especially if you buy in cash. Most people that say "buying a home is a poor investment" will show you the chart Sam did. A chart of the S&P vs median value of a home over the last 30 years. What's missing is the rent costs! If you bought a house in cash in 1995, and invested your saved rent every year into the stock market, you OUTperformed someone who put that lump sum into the S&P and paid rent the last 30 years. So contrary to popular belief, buying a home and compound invest your saved rent every year is a great financial investment.
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Sam Parr@thesamparr

A hill I will die on: Buying a a home is almost always not a great financial investment. yes, even taking into account leverage. looking at averages, investing in SP500 is more profitable (on average). and also, that's ok! buy because its a great emotional ivnestment.

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Julie Chang
Julie Chang@JulieChangRE·
I got series 7 licensed in college forever ago And I remember the emphasis on options and how most people lose money And still most / almost all lose money Did you know that the largest active trader platforms have actuaries? To model how many active traders get $0 out and commit suicide which is how many more active traders with money they need to bring in to replace them
Investor_NICK@Investor_NICK_

@bucketshopcap It’s getting real crazy out there now

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Andrew Casertano, WMCP®, CPFA®
Andrew Casertano, WMCP®, CPFA®@Andrew68508·
@BoomerDivvies Depends on life style, pensions, social security, age, etc. Terrible blanket advice. Most clients of mine have a very happy retirement on less than $1 million
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DividendBoomer
DividendBoomer@BoomerDivvies·
$1M is not enough for retirement. I'm not sure what your expectations are for retirement but if you expect to travel and enjoy life and be financially worry free then you're gonna need more than $1M.
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Cliff Cornell
Cliff Cornell@cliffcornell_·
Not really looking for jobs right now but I figured I’d ask everyone. Do you guys think that my experience at ___ as an ___ would make me a good fit? The offering is to become a ____ and the company is called _____.
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Mark McGrath
Mark McGrath@MarkMcGrathCFP·
Assuming a 40% CAGR is insane You'd go from $100k to $2.5B in 30 years
Kristen@2dogs1chic

Example Bitcoin “Buy, Borrow, Die” Investment Plan that builds generation wealth while we live, give back to our communities and enjoy life🧡 This can be done with any amount. Never sell your Bitcoin! •Starting Bitcoin value: $100,000 •Bitcoin growth (CAGR): 40% per year •Loan taken each year: $50,000 (added annually) •Loan interest: 6% APY (compounded annually on the outstanding balance) •Duration: 10 years Outcome after 10 years: •Bitcoin grows to ≈ $2.9M •Loan balance grows to ≈ $671K •Net after paying off loan ≈ $2.2M

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Andrew Casertano, WMCP®, CPFA®
Andrew Casertano, WMCP®, CPFA®@Andrew68508·
@Fire5280 They’re going to have to invest a lot of that $2,5000/m to afford retirement anyways. Might as well tell them not to worry about retirement and leave them the money when you pass.
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Mile High FIRE
Mile High FIRE@Fire5280·
Hot Take: Giving my kids $2,500/mo in their 20's will have considerably more impact on their lives than leaving them my entire $10,000,000 net worth when they're in their late 50's.
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Thomas Kopelman 💵
Thomas Kopelman 💵@TKopelman·
Many people in the fee only crowd are anti annuities And I can say I disagree with that Do I think annuities make sense for a lot of people? No Do I think they make sense for the right person? Yes Annuities can play a huge role in giving safety and assurance to people who need it
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Keşfet

@Rick_Ferri @OptimizedPort @InvestingAddict @FranWalsh73 @ramit @markcecchini @SpeculatorArt @elonmusk