Sam H. Fawaz, CPA, CFP®, PFS, MST

Y.D. Financial Services is Fee-Only, Fiduciary, Independent. Why it matters (video) youtu.be/YLxsEsy5e5Y via @YouTube

Michigan Income Tax Trap Alert 🚨 If you owe Michigan income tax and rely ONLY on withholding (no quarterly estimates), you can get hit with a harsh 25% underpayment penalty, even if your withholding is substantial. Consider making at least a small quarterly estimate to reduce the penalty to 10% if you suspect you might miss the 90% pay-in requirement via withholding. I can't find any other state as punitive as Michigan if you're underpaid via withholding and don't make estimated payments.

Curious about your personal investing style? Discover your unique risk number with our quick and easy questionnaire—just click here: bit.ly/themoneygeek-m…. In less than 5 minutes, you’ll get meaningful insights to guide smarter financial decisions. Give it a try now for instant results!

All this market drama today because $NFLX raised prices. Who knew? 🤣

So far this year, the IRS has issued 1.1 million CP53 notices to taxpayers who have not supplied electronic banking info with their 2025 tax returns. If you don't respond or supply that information via your online taxpayer account, the IRS will issue a paper check after six weeks

When it comes to college financial aid, ownership of a 529 plan matters. 💡 A grandparent-owned 529 isn’t reported as a parent asset on the FAFSA, meaning more aid eligibility for the student. Just time withdrawals carefully to avoid income impacts later. 🎓📘

I am not sure that is in Tehran's interest to hold out forever. If they usher in a 1970s style global recession, the "gloves are off." They too have an interest in negotiating somewhere within the Area N. As close to R Point as possible, YES.

No Paper, Only Plastic or Digital: Welcome to Tax Filing Season 2026: ydfs.com/YDFSblog202603… 2025 Tax Season Changes includes New Deductions, Bigger Credits, and the End of Paper Payments and Refund Checks

Why You Shouldn’t Trust the Postmark Anymore by @TheMoneyGeek bit.ly/themoneygeek-p…

"I've found that the real rate of return on rental real estate investments is usually 5%-7% lower annually than most clients think." -The Real Estate Whisperer

Edward Jones laid off 4.5% of its home office staff while outsourcing more of its client care to India in 2025 I'll bet you didn't get a rebate on your commissions for the lower cost of doing business and hassles of dealing with overseas support.

Curious about your personal investing style? Discover your unique risk number with our quick and easy questionnaire—just click here: bit.ly/themoneygeek-m…. In less than 5 minutes, you’ll get meaningful insights to guide smarter financial decisions. Give it a try now for instant results!

No Paper, Only Plastic or Digital: Welcome to Tax Filing Season 2026 by @TheMoneyGeek bit.ly/themoneygeek-t…

Only about 9% of Americans have an estate plan in place that addresses digital assets. Source: Opinium & Bryn Mawr Trust Survey

Curious about your personal investing style? Discover your unique risk number with our quick and easy questionnaire—just click here: bit.ly/themoneygeek-m…. In less than 5 minutes, you’ll get meaningful insights to guide smarter financial decisions. Give it a try now for instant results!

What's Going on in the Stock Markets, March 12, 2026: A brief six-minute review for investors. youtu.be/Qo6dKBpsG9c

Newer Scam: Scammers create ads on social media offering name-brand merchandise at great prices and set up bogus websites that all look exactly like genuine retailers. They’ll collect personal information or ask you to pay with a digital payment platform like Zelle® when you go to “check out”. To protect yourself: Always type in a company’s website address yourself to see if special sales or promo codes are listed there. If not, the ad you’re seeing and the website it’s taking you to are likely a scam. Where possible, use your credit or debit card, which offers protection features that may not be there if you pay by other means. Never use Zelle or Venmo with a recipient you don't personally know.

Happy 17th Bull Market Anniversary! March 9, 2009, marked the end of the financial crisis and the official start of arguably one of the best bull markets of our lives.

@BullandBaird You’re spot on, oversalted, not cheap and sometimes stale.

Chipotle’s chips have to be one of the least consistent products ever. They can be exceptional or really bad. Huge variance.

Curious about your personal investing style? Discover your unique risk number with our quick and easy questionnaire—just click here: bit.ly/themoneygeek-m…. In less than 5 minutes, you’ll get meaningful insights to guide smarter financial decisions. Give it a try now for instant results!