Ryan Greiser, CFP® (@Greiser) - Twitter Profili

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15 states have no income tax on IRA distributions in 2026. No income tax at all: AK, FL, NV, NH, SD, TN, TX, WA, WY. Full IRA exemption despite having income tax: IL, IA, MI, MS, PA, CT. CA taxes that income up to 13.3%. NY at 10.9%. NJ at 10.75%. Inherited IRA income is taxed where you live when you take it. Residency is a real lever. Most people never pull it.

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Ryan Greiser, CFP®@Greiser·2h

If you love ideas like this, checkout my newsletter. Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth. Join 3,350+ subscribers: opulusmethod.com

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Ryan Greiser, CFP®@Greiser·8h

Your primary home isn't an investment. It's a lifestyle choice. Invest for returns elsewhere.

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Ryan Greiser, CFP®@Greiser·8h

@FranWalsh73 You can tell when I paid a big repair bill on the house.

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Fran Walsh@FranWalsh73·8h

@Greiser Careful Ry - these are fighting words on X 😂

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Ryan Greiser, CFP® retweetledi

Fran Walsh@FranWalsh73·8h

Most people leave a job and do nothing with the 401(k). We see it constantly: 3, 4, sometimes 5 old accounts in the abyss. Different custodians. Different allocations. No strategy. Here's every option you have when you leave - and when each one makes sense ↓

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Ryan Greiser, CFP®@Greiser·19h

If you love ideas like this, checkout my newsletter. Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth. Join 2,600+ subscribers: opulusmethod.com

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Ryan Greiser, CFP®@Greiser·1d

The S&P returned 10.7% annually from 1992-2022. The average investor earned 6.8%. The gap wasn't the market. It was panic selling and bad timing. On a $100,000 account, that 3.9% difference over 30 years compounds to roughly ~$1,100,000 in lost wealth. Behavior is the variable most investors never measure.

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Ryan Greiser, CFP®@Greiser·1d

If you love ideas like this, checkout my newsletter. Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth. Join 3,350+ subscribers: opulusmethod.com

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Ryan Greiser, CFP®@Greiser·1d

15 states have no income tax on IRA distributions in 2026. No income tax at all: AK, FL, NV, NH, SD, TN, TX, WA, WY. Full IRA exemption despite having income tax: IL, IA, MI, MS, PA, CT. CA taxes that income up to 13.3%. NY at 10.9%. NJ at 10.75%. Inherited IRA income is taxed where you live when you take it. Residency is a real lever. Most people never pull it.

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Ryan Greiser, CFP®@Greiser·1d

@markcecchini

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Mark Cecchini, CFP®@markcecchini·2d

have yourselves a day Philadelphia

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Ryan Greiser, CFP®@Greiser·2d

@thedanielaros Spot on. The most difficult part is the first year when you don’t expect it.

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Daniel Aros@thedanielaros·2d

@Greiser Those surprise bills suck. Fortunately you can either withhold more or make estimated payments yourself.

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Ryan Greiser, CFP®@Greiser·2d

Every year high earners get surprise tax bills in April. Not because they were careless. Because nobody told them how RSU withholding works. Your company withholds 22%—the IRS standard for supplemental income. Your bracket is 35%. The gap is yours to close. The system assumes you know.

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Ryan Greiser, CFP®@Greiser·3d

@Preeemo2 It works for single individuals too. Standard deduction and brackets are smaller.

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_Preeemo_ 🇩🇴🇪🇨@Preeemo2·3d

Let me go get married

Ryan Greiser, CFP®@Greiser

The IRS allows married couples to realize $131,100 in capital gains at 0% tax. The math is simple: • Standard deduction: $32,200 • 0% LTCG bracket: $98,900 Live on $131,100/year tax-free from age 55-SS age. This provision exists. Most advisors aren't building for it.

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Ryan Greiser, CFP®@Greiser·3d

If you love ideas like this, checkout my newsletter. Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth. Join 2,600+ subscribers: opulusmethod.com

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Ryan Greiser, CFP®@Greiser·4d

A client in their mid-30s walked in with a $600,000 account. At 10%, here's the growth arc with not another dollar added: • Mid-40s: $1.2M • Late 40s: $1.8M • Early 50s: $2.4M The math was already doing something they couldn't see. They just needed to see it.

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Ryan Greiser, CFP®@Greiser·4d

If you want more thoughts like this: 1. Follow me @Greiser for more 2. RT the tweet below Disclaimer: This is my personal opinion and experience working with high-income millennials. Not tax, financial, or legal advice. Always work with qualified professionals to understand your specific situation.

Ryan Greiser, CFP®@Greiser

The "spend on experiences, not stuff" advice is half-right. The other half is what actually moves the needle—and it's the part nobody quotes. Two studies on money and happiness make it obvious: ↓

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Ryan Greiser, CFP®@Greiser·4d

TL;DR — "Spend on experiences, not stuff" is half-right. Two studies (Comm Psychology 2024, 25-year happiness review) found alignment matters more than category. The better filter: • Does this match what I value? • Does this connect me to someone I love?

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Ryan Greiser, CFP®@Greiser·4d

The "spend on experiences, not stuff" advice is half-right. The other half is what actually moves the needle—and it's the part nobody quotes. Two studies on money and happiness make it obvious: ↓

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Ryan Greiser, CFP®

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