Scott Fulbright | Encore Income

I spent 30+ years inside corporate watching smart, experienced managers do two things simultaneously: Build real expertise. And quietly worry it won't be enough for retirement. This account is about fixing the second part.

@401kspecmag I wonder if the other 60% just don't want to admit it? (I joke, I joke.)

Forty percent of respondents to a Tuition.io survey say debt has impacted their ability to save for retirement overall. 401kspecialistmag.com/reduced-retire…

@401kspecmag Is anything traditional anymore? We all need more flexibility than we are used to.

Nearly three-quarters of respondents do not anticipate a traditional retirement in their future, reports new Fidelity Investments study. 401kspecialistmag.com/americans-desc…

A finance manager I work with stopped billing hourly last year. Two retainer clients at $2,000/month each. Same work. No tracking hours. No chasing invoices. $4,000/month — predictable. He told me: “I finally stopped selling time and started selling outcomes.” Do you prefer predictable or variable income? Not financial advice. Example only: your results will vary.

@TwoCentsGal Nice vibe! Grats!

Thank you all for your support! Grateful🙏

A procurement manager admitted she’d been undercharging by half. “I priced based on what felt comfortable, not what the market pays.” Most corporate professionals do the same thing. Your rate signals your value. One director told me: “I asked for $75/hour. Then I asked myself what I’d charge a Fortune 500. $200.” Price accordingly. Not financial advice. Example only: your results will vary.

@Michell94497805 @KurtSupeCPA I am SHOCKED at the number of families I meet who don't want to do everything they can now to help their children have better lives. There are obviously issues with addiction and all sorts of unique situations, but still...

@Encore_Income @KurtSupeCPA I recommend it every chance I get. Many posts lately about taking care of our adult children NOW if we can, rather than leaving them something that they can't thank us for in person when we are gone. We are living this idea and our young adult kids are so grateful!

Couple comes in for their annual review. $2.8 million. Well invested. Solid Pension. Completely on track. I ask the question I ask everyone. "How is your daughter doing?" Mom's face changed first. Their daughter is 39. Hasn't asked for anything. Never complained. But she's been in the same apartment for six years. Daycare alone is $1,800 a month. Down payment feels impossible. Dad said "we always figured she'd get it eventually." I pulled up a simple chart. Statistically they live to 88. She inherits at 56. Maybe 60. At 60 her own retirement is eight years away. The money that could change everything at 39 arrives when her finish line is already close. Neither of them had ever seen it framed that way. The annual gift exclusion is $19,000 per parent per child. They can move $38,000 a year to her. No gift tax. No estate implications. Over ten years that's $380,000 transferred while they're healthy enough to watch it matter. Dad looked at his wife. "Why are we waiting?" Most families leave everything at death because nobody showed them the math of giving it while they're alive.

@Mach_Tactics Good advice, if it was only this easy and black and white.

The most effective strategy for ‘networking’ is this: spend zero time trying to build relationships with losers.

@WeAreWealth @RetirementRisks Thanks for sharing this, I have heard good things about him!

Join us for an upcoming webinar with Jamie Hopkins (@RetirementRisks) , one of the leading voices in retirement & tax planning. We’ll dive into practical strategies to help advisors better guide clients through retirement.

@RetireManifesto @moneyover55 This is a good read. Might not be for everyone, but helps to learn and know your options.

She was single, with no children. So why did she execute a Trust? Today, @moneyover55 shares her reasons why... theretirementmanifesto.com/do-you-really-…

@Mach_Tactics Great idea for a wait list. If you throw up a simple landing page from Get Response, Aweber, etc. it might be easier for you to manage.

You’re not bad with people. You’re just listening to the wrong layer. Every conversation has 3 levels: - what people say - what they feel - what they actually mean Most people stop at the first. That’s why they get blindsided. ------------ A girl says, “I’m fine.” So you move on. But: - her body is closed - her face is tense - her attention is gone Nothing about that is “fine.” The breakup didn’t come out of nowhere. You just missed the signals early. ------------ Same in business. Client says: “I’ll get back to you.” Sounds reasonable. But in reality: - they created distance - showed discomfort at price - avoided commitment That deal was already dead. ------------ This happens everywhere. People say one thing. Signal another. Mean something else entirely. And if you can’t see the difference, you lose ------------ But once you see it, everything changes. You start noticing: - small shifts in posture - hesitation before answers - tension in the face - mismatch between words and behaviour And suddenly… You know what’s really going on. ------------ Someone says, “That’s our final offer.” - But they don’t look certain. - They don’t sound firm. - They don’t hold eye contact. So you push. And the “final” offer moves. This is the power of understanding the nonverbal cues, that is, deciphering body language. ------------ Observing the body language, understanding what it means in a context, and responding appropriately is a skill And most people never learn it. I’m putting together a simple guide that teaches you exactly this: - how to actually read body language - how to spot when people are holding back - how to understand what people really mean (in real time) If you want it, join the waitlist. Click the link below: forms.gle/kqjWb8UwBtLrqW…

@KatiaFonOS9458M Depends on the individual...I have worked with realtors that have leveraged their organizational skills into full-blown consulting agencies to Excel wizards that have produced custom solutions for small and medium businesses.

@Encore_Income Good. Action is always better than planning. What skills are they actually selling?

A training manager told me something that stuck: “I expected to skim the Playbook and move on. Instead, I stopped planning the course I’d been overthinking for a year. The consulting path was sitting right there.” 3–5 clients using skills you already have. That’s supplementary income. Which path are you leaning toward?

@DavidKneisler @KurtSupeCPA It feels amazing, doesn't it!

@KurtSupeCPA Spot on. We started doing this with our (very responsible) kids last year. It has been a gift to watch them enjoy a bit of financial freedom.

@T1228840816103T @KurtSupeCPA How many kids do you have?

@KurtSupeCPA Absolutely not! They need to find their own way! Inheritance is after someone passes away

@umfan1973 @KurtSupeCPA You're speaking to the wrong advisors then. This was one of the first things one of my advisors suggested to me. And he's got a waiting list.

@KurtSupeCPA Financial advisors that are paid on a percentage of assets don’t recommend this because it cuts into their pay.

@EsqHardy @KurtSupeCPA It feels amazing to be able to help your kids like this...

@KurtSupeCPA We started doing this in 2025. Best thing we could’ve done. $38,000 a year is a lot for young couples starting married life. Great advice, Kurt.

@ChrisSe74701328 @KurtSupeCPA What poor choices did she make?

@KurtSupeCPA Giving money to helpless relatives with a record of poor choices usually creates more problems for them. Be careful.

@SnkrTrunk @KurtSupeCPA Do we know this, though? We just don't have enough facts about this family to go around casting stones.

@KurtSupeCPA They are waiting because they are all greedy narcissistic goblins hoarding their gold and trinkets until they die and then we have to figure out what to do with a house full of junk

@Michell94497805 @KurtSupeCPA I have met very few people that are familiar with this book!

@KurtSupeCPA This is a great read. Helped to change my perspective!

@KurtSupeCPA This is such an overlooked strategy. Everyone needs to know this is an option.

@BusinessInsider This is priceless, I wish more parents planned ahead for this.

I hope my kids remember how present I was. That, for once, work wasn't tugging me away. bit.ly/4skaCL0