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The Hourly Advisor

@thehourlyadvisor

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Financial planning isn’t about money. It’s about moments. taken in Amalfi Coast, Italy by @thehourlyadvisor

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Clarity in your Plan. Confidence in your future. Freedom to actually live it. taken in Lake Como, Italy by @thehourlyadvisor

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Freedom to spend on what matters most… Financial Planning taken in Capri, Italy by @thehourlyadvisor

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No Rich parents, no favors, just hustle and a plan taken in The Breakers by @thehourlyadvisor

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taken in Louvre by @thehourlyadvisor

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Plan well. Play more. taken in Santorini, Greece by @thehourlyadvisor

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My client thought skipping 401(k) contributions would make early retirement easier. What he didn’t know? The Rule of 55 lets you access your 401(k) penalty-free if you retire after age 55. By not maxing out, he missed deductions and increased his lifetime taxes by over $700,000. Don’t let early retirement myths cost you a fortune. #RetirementPlanning #401k #TaxMistakes by @thehourlyadvisor

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My surgeon client thought a target date fund was the safe, smart choice. But those funds get too conservative too fast, crushing growth. By staying 100% stocks now and easing down to 80% in retirement, he’s projected to have over $5 million more in lifetime assets. That ‘set it and forget it’ strategy? More like set it and lose millions. #InvestingMistakes #RetirementPlanning #TargetDateFunds by @thehourlyadvisor

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My 40 year old clients thought filing separately was smart — it saved them $1,000 a year. But they didn’t realize it blocked Roth IRA contributions. That ‘savings’ would have cost them $400k by retirement and $3M over their lifetime. Filing status matters! #RothIRA #TaxPlanning #RetirementPlanning by @thehourlyadvisor

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A recent client almost lost $4 million with 1 mistake! Understanding retirement withdrawal order and utilizing roth conversion strategies can significantly impact your lifetime assets. By prioritizing taxable accounts first and strategically using roth conversion, you can achieve greater tax efficiency. by @thehourlyadvisor

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If today was your last… what would you regret? by @thehourlyadvisor

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Stop pretending you’ve got unlimited time. You don’t. by @thehourlyadvisor

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