Howard Morin

3.8K posts

Howard Morin banner
Howard Morin

Howard Morin

@howardmorin

Husband and Dad. CEO of Helium Financial Group. Co-Founder of @heliumadvisors. Loves to go, Sarcasm, the Outdoors, and the @miamidolphins Tweets/RTs not advice.

AZ / MT / WA Katılım Ekim 2009
2.3K Takip Edilen655 Takipçiler
JJ Watt
JJ Watt@JJWatt·
@SuperTexans Yessir. Truffle Salt. 275° for 45 minutes. Brief Rest. 2 minute sear each side on piping hot cast iron. (Spread butter on each side before sear)
English
32
6
712
24.9K
JJ Watt
JJ Watt@JJWatt·
Might have just peaked in the steak preparation game. Not sure where it can really go from here. Just stood there staring at it for a good 5 minutes.
JJ Watt tweet mediaJJ Watt tweet media
English
704
275
21.2K
840.8K
Howard Morin
Howard Morin@howardmorin·
@TiffanyFong Start coughing or sneezing or talk into your phone. Should help but no guarantee.
English
0
0
2
68
Tiffany Fong
Tiffany Fong@TiffanyFong·
how do you get your uber driver to shut the fuck up ?
English
1.8K
78
2.2K
237.5K
Food Pleaser
Food Pleaser@FoodPleaser·
Be honest, how many could you eat? 🍪 🍪 🍪
Food Pleaser tweet media
English
124
141
1.5K
30.3K
MLFootball
MLFootball@MLFootball·
THOUGHTS ON THESE BUFFALO #BILLS SPECIAL EDITION MATTE BLACK ON BLACK UNIFORMS WITH BLACK HELMETS…? 👀👀👀 Exclusive first look at them:
MLFootball tweet media
English
256
55
1K
84.8K
The List - Dolphins Podcast
The List - Dolphins Podcast@TheListFinsPod·
Dolphins were also represented today at Iowa's Pro Day. Hawkeyes have a dozen draft hopefuls, headedlined by Gennings Dunker Who wants this beast with our second round pick? #PhinsUp #Hawkeyes
The List - Dolphins Podcast tweet media
English
8
6
79
4K
Inspirenaire
Inspirenaire@Inspirenaire·
This is a repost in case some of you missed it. Costco membership offers way more than I think people take advantage of. Y'all do a spring cleaning of all your memberships and start to maximize on every discount or offer available! #Inspirenaire
English
48
1.4K
10.2K
623.5K
Cameron Wolfe
Cameron Wolfe@CameronWolfe·
“Mike Tyson wasn’t the tallest. He wasn’t the longest. But when you felt him, you felt him. You kept your distance.” 1-on-1 with Miami DL Rueben Bain Jr. on what he wanted to show NFL teams, potential fit with Titans, why he doesn’t care about hair cuts, his love for 🏈 & more.
English
44
354
3.2K
818.4K
Brian Sullivan
Brian Sullivan@SullyCNBC·
Markets soaring as Trump says he will postpone Iran strikes pending talks. More on @CNBC here from @CERAWeek
English
131
32
402
91.6K
Michael A. Gayed, CFA
Michael A. Gayed, CFA@leadlagreport·
They aren’t even trying to hide the stock market manipulation
English
154
1.3K
10.2K
116.1K
Mark Cecchini, CFP®
Mark Cecchini, CFP®@markcecchini·
super excited to be heading out to Jackson Hole in May for the visiWealth Visionaries retreat jam-packed advanced financial planning content with 25 top planners from around the country plus the setting doesn't look too bad...(1st time in JH)
Mark Cecchini, CFP® tweet mediaMark Cecchini, CFP® tweet media
English
3
0
34
5.6K
Howard Morin
Howard Morin@howardmorin·
@markcecchini And they want you out at about 5:15pm. Try to get the kiddos fed asap so you might have a moment or two of sanity 😂
English
0
0
0
303
Mark Cecchini, CFP®
Mark Cecchini, CFP®@markcecchini·
one of the sick things about having toddlers is you’ll never have to wait for a table at that popular restaurant in town because you eat dinner at 5:05pm
English
18
18
1.4K
54.6K
Howard Morin
Howard Morin@howardmorin·
@thefloridakeys Great spot. Also a great Sand Bar a few miles back towards land off Holiday Isle. Can actually set up some lounge chairs and floats. Lots of boat hopping.
English
0
0
1
123
The Florida Keys & Key West
The Florida Keys & Key West@thefloridakeys·
Ever wondered how the Florida Keys does Fridays? In Islamorada, it's floating in crystal-clear waters, cocktails in hand, and a postcard-perfect view of Alligator Lighthouse. Grab your friends, your favorite drink, and let the water do the rest! 🎥: islamoradabeverages
English
35
89
1.5K
149.4K
Howard Morin
Howard Morin@howardmorin·
@GuyAdami It’s still 4.376% higher than this guy’s GPA.
GIF
English
0
0
0
28
Howard Morin
Howard Morin@howardmorin·
@OmarKelly Generally agree with you but not sure I’m putting emphasis on “nothing”. Tearing down can be tricky if you demo wrong parts and the house falls on you. I think we have a better FO than we did a year ago. Maybe JES never becomes John Schneider II, but I like where he came from.
English
0
0
0
139
Omar Kelly
Omar Kelly@OmarKelly·
No offense. But Jon Eric Sullivan has done NOTHING but tear down a roster. That’s the easy part. It’s like a home demo. Get a bat, a crowbar and a dumpster and you’ve got all the tools you need
Kris@newmanusps1313

@OmarKelly For the first time in years I feel we have GM leadership and knows what to do. I am confident in this one.

English
162
13
251
50.5K
FinsXtra
FinsXtra@FinsXtra·
🚨 BREAKING: Multiple teams around the NFL have called the Miami Dolphins regarding De’Von Achane’s availability, but have been told he is not available. (@AdamSchefter) #PhinsUp
FinsXtra tweet media
English
30
29
483
14.5K
Mark Cecchini, CFP®
Mark Cecchini, CFP®@markcecchini·
“Hi, Mark. This is Maria. We are at the hospital because Bill's liver cancer has gotten worse. The doctor just told us he has a few months to live.” As it turned out, Bill would be gone 3 weeks after that phone call. No amount of training prepares you to receive a phone call like that. My boss Frank (Bill's lead advisor) was out to lunch with a client and our receptionist put Maria through to my office line instead. I was the support advisor on their relationship, and I had never spoken to Maria before her call from the hospital to our office. (Maria had purposefully not participated in Bill's ongoing relationship with my firm to that point due to financial phobia) She was naturally very distraught on the phone, and I was unsure how to react. I thought I had 2 main options: Option 1️⃣ Go immediately into “financial planner problem solver” mode. Check the boxes. Do my job, and tell Maria we’ll begin executing end-of-life financial action items and getting things in order. Ask for a follow up meeting ASAP. Option 2️⃣ Be a human being. Listen with empathy. Provide support. Don’t burden her with financial planning concepts and to-do items. Give them time to process. I’m proud to say that I went with Option 2. I listened for a while as Maria explained more about the situation, then I spoke: “I’m so sorry to hear that, Maria. I give you my word that we will be here for you every step of the way." "I’ll let Frank know when he gets back to his desk. Tell Bill to hang in there and we’re all thinking of him at the office." "If and when you are ready, we’ll organize a call with both of you to talk about getting things in order.” Maria was completely out of touch with her and Bill’s finances (by choice, and by her own admission). Money was a foreign concept to her, and she operated on a cash only basis, even with her banking. Her only financial transactions involved taking cash out of one bank's ATM and depositing it to another bank down the street. Needless to say, she needed a LOT of hand-holding after Bill passed away. Bill had over $1.9 million in liquid investments which she inherited, along with $800k cash proceeds from a life insurance policy. So how did we help? 👉🏽 We contacted our partner insurance firm and helped cash out the $800k life insurance policy (Bill had obtained a cancer policy as part of a previous planning recommendation) 👉🏽 We called the Social Security office with Maria and began the process of applying for SS Survivor Benefits 👉🏽 As part of this, we ran an analysis of whether or not she should opt to wait and collect her own SS earnings benefit, or collect Bill’s Survivor benefits now 👉🏽 We contacted the Estate Planning firm we had recommended to them years prior and alerted them to Bill’s passing so they could start on their end-of-life administrative processes 👉🏽We obtained multiple copies of Bill’s death certificate that Maria would need to close bank accounts and claim assets 👉🏽 We mapped out an investment plan for the $800k life insurance proceeds according to Maria's new risk tolerance and timeline 👉🏽 We worked with Charles Schwab to get Bill's brokerage accounts "stepped up" -- this is when taxable assets held at death get the underlying cost basis stepped up to the fair market value at passing 👉🏽 We created a long-term financial plan that showed Maria that she would indeed be able to sustain herself on their investment assets and retirement income for decades to come, even without earning a high level of investment return 👉🏽 We set Maria up with a monthly transfer from the Schwab investment account to her preferred bank so she could withdraw cash on demand for her living expenses 👉🏽 We had Maria come to our office for another meeting and then took her out to lunch afterward to talk about how she was doing after Bill's passing (zero financial talk) During the holidays that year, Maria delivered a handwritten note to our office with a simple message: “I honestly could not have survived Bill’s death without you and your team. Thank you for everything. I hope you have a great Christmas with your families.” Moral of the story? 👉🏽 Be a human being first and act with empathy and compassion. Then do your job, and do it WELL. Pretend it's one of your family members going through it. Not everyone is financially inclined, and some people even fear it. Our roles are often about far more than dollars and cents.
Mark Cecchini, CFP® tweet media
English
5
1
60
7.1K
Brandon Liguori
Brandon Liguori@BrandonRLiguori·
It’s still very early in the offseason, but #Dolphins GM Jon-Eric Sullivan is doing a fine job of looking at all the holes on the roster and finding the best possible players to fill them. We don’t know if the Malik Willis experiment will work, but I’m glad this new regime isn’t afraid to take chances on some of these new players.
English
15
21
253
14.1K