Versaceth

@ElijahColeman21 Check out the Fidelity Zero Funds if you’re in qualified accounts and like mutual funds

Everyone is talking $VOO and chill while I like $FXAIX and forget. I must be the only investor under 30 still believing in mutual funds… Plus $FXAIX’s expense ratio is lower than $VOO’s 🌚

@markcecchini You’re the man thank you

@versacether Yep Cambria funds and Alpha architect leading the way

OK yeah so this is wild (I did not make this)

@ppearlman C shares in 2026 wow

Cleaning up the portfolio of a family friend I helped leave an asshat advisor at a large bank & I was especially grossed out by a position in this Kaufman Small Cap Fund that is underperforming $IWM by 60% over 5 yrs + has a 2% Expense Ratio. Check in with your peeps y'all.

@TKopelman “Why would I hire an advisor?” This

Financial planning can be so fun. Right now I'm working on a plan for a retired client of mine who is worth above $25mil Talking: - Roth conversions (paired with a DAF contribution to offset it) - Asset location (parking higher growth assets in Roth and fixed income in pre-tax) - GRATS to get more out to their kids without using any exemption - QCD's for when they get there - Irrevocable trust planning since they are very young and close to the $30mil already - private equity investments - lots of capital gains and income tax planning The value for these types of clients is unreal You should have a great, coordinated team at this net worth level

@markcecchini Bro for sure sells A shares

a grown man in another grown man’s DMs talking like this don’t ever be this guy

@NickNemo17 Bros the Jim Cramer of bad debt

A really funny convo from substack: “You don’t know what you’re talking about… the big 3 do great work.” Googled him. He blogged: “In Defense of the Ratings Agencies” December 2007

Let's be real. If you are investing 50%+ into your future, who cares how much you spend on your car.

@TheDrewFeldman What good reason is there for it to be positioned primarily as an accumulation strategy? Obviously within the right context it could have benefits (ILITs/etc.), but as an outright accumulation vehicle is there any scenario where this would be the best option? Genuinely asking

I can’t stand it! If you’re putting a client into an IUL as a wealth-building strategy, you better have a damn good reason. In most cases it’s an expensive, opaque, commission-heavy product sold for the benefit of the insurance agent. For the average household trying to build wealth, it’s usually the wrong tool and it can damage lifetime wealth beyond repair.

@MrJulius007 I thought the point was that the insurance companies are investing customer deposits into private credit and the private credit bubble bursts no?

@AndreasSteno Who in the world is saying there’s not cash on the sidelines?

Yet people say there is no cash on the sidelines

@origoinvest Fair value is 0

$OWL is down over 50% It currently trades at ~10x FRE Over 2/3 of its AUM is permanent capital At what point is this just too cheap?

@JonLuskin How many years left on the mortgage? Risk tolerance? What’s retirement cash flow look like? Taxable account balances? Are they going to be doing conversions when they retire? I’d talk through both sides with them but often times I’d say mortgage payoff

We’ve got spare cash to put to work. Are you using that to? a.)invest in a taxable account b.)pre-pay mortgage debt Why or why not?

Curious what everyone here thinks about this one: -In their 50s -11 years from their targeted retirement date -6.25% mortgage rate -Tax-advantaged accounts (401(k), etc.) are already maxed out for the year -Not itemizing before mortgage interest

@markcecchini Perfect analogy

I enjoy painting. I’m OK at it. It’s therapeutic and it scratches a certain OCD scratch I have. Maybe a small room or bathroom here or there. But when we wanted to paint our entire downstairs this summer, we hired a professional and got out of their way.

@saylor @WatcherGuru Considering that there’s roughly $2T wagered per year on online gambling, and there’s a roughly $2T btc market cap, its still kind of accurate

@WatcherGuru ₿ig Mistake

12 years ago today, Michael Saylor said "Bitcoin days are numbered." Today, his company is the one of the largest Bitcoin holders in the world.

@markcecchini “But NVDA has done so well for me why would I ever sell it” 🤦🏻‍♂️

Owning 1 stock that represents a large portion of your portfolio can be incredibly stressful on multiple levels. ICYMI, I've been creating custom Canva visuals that outline various strategies for dealing with this exact situation. Below are the 9 visuals I've published so far:

@markcecchini This is the future

“Where did you find your financial advisor?” “Twitter” 20 of my clients can say / have said that. Still so wild to me.

@APompliano Everyone asking “why” seems to understand that the National Debt is a problem but they fail to understand that we have to pay interest on that debt

Interest rates are still not low enough. We need sub-3% as soon as possible.

Trying to call the bottom right now

The last time I was this bullish Bitcoin was at $16,000.00.