Andrew Ish, CFA, CPA, CFP®
@Andrewjish
Prepared Financial Planning LLC Founder and Financial Planner. Helping you on your financial journey with retirement planning, investing, and tax insights.
You might like
More trading and higher turnover tends to lead to lower returns over the long-term.
Life insurance might seem like a scam, until you lose a spouse who was the primary earner Disability insurance may feel like a waste, until someone earning $300k a year can no longer work due to an illness or injury Estate planning might appear unnecessary, until a family…
Pull up your beneficiary designations and take a look. You'd be surprised how often these get overlooked. And how much that matters. 😬
🚨2026 Retirement Contribution Limits Just Released🚨 Key changes include: 🔸IRA contribution: $7,500 (⬆️$500) 🔸IRA catch-up contribution: $1,100 (⬆️$100 - and the first increase in this amount in roughly 2 decades!) 🔸401k deferral: $24,500 (⬆️$1,000) 🔸401k “regular”…
Just 3% of companies have generated all the net wealth in the US stock market since 1926
Very few things are better than getting random referrals from your existing clients I will continually stand behind the idea that if you do good work, referrals will come You don't need to pressure them
Once you have a child, you need: 1. estate planning docs (who takes care of your kids if you pass away, who makes medical and financial decisions, where assets go, when children can recieve the assets, etc.) 2. Life insurance 3. A larger emergency fund 4. Think about saving…
Many people are missing the main point of this. It’s about asset location -high growth assets belong in Roth -income producing assets belong in pre tax …and also asset allocation
A new 41 year old client just sent over their account statements from their previous advisor. Their Roth IRA allocation is 56% equities and 44% fixed income and REITs.
I have written my first book! A passion project of almost 10 years, Runnin' Down a Dream aims to give people both the motivation & the methods for thriving in a career they actually love. Put a lot of heart and soul into this - hope you ❤️ it. Pre-order: a.co/d/5APYleb
Bonds might be boring But if you reach a level of wealth where you don't need to focus on appreciation And instead need to prioritize preservation Bonds might be a real good friend
I call it the Silence Fallacy: the idea that meditation is about achieving a state of perfect mental quiet.
When we meet with new clients, this is something we see all the time: - old or no estate plan - investment accounts with a lot of cash - no updated insurance policies - not maxing out accounts as they never changed based on new limits - business insurances old and not adequate -…
As the son of an undocumented immigrant (my mom overstayed an au pair visa for years before marrying my dad, a U.S. citizen), it’s deeply personal: Reddit wouldn’t exist if ICE had come for her. I do think border security matters. But it shouldn’t come at the cost of crushing…
Later we'll find it hard to believe that masked thugs were dragging people off the street at gunpoint. At least I hope we will, since the other alternative would be to decline into the kind of country where that's normal.
Interest from CDs and HYSAs is taxed at federal AND state/local level. BUT interest from T-Bills is only taxed at the federal level, saving you anywhere from 0-13% in state/local taxes. T-bills also have better yields. Small things can make a big difference over time.
Cash is not trash when: - it’s getting a yield - it’s saved for emergencies in personal or in your business - it’s saved for other short term goals - it has a purpose Cash is trash when: - it’s in a long term portfolio - it’s in a retirement account - it is in a check or savings…
Be the most prepared person in the room. Preparation is the ultimate equalizer. You can’t control how smart you are, but you can control how many hours you spend obsessively preparing.
The most underrated antidepressants: -Regular exercise -Healthy diet -Restorative sleep -Sunlight -Social connections -Having purpose in life
Never use your HSA debit card. A better way: - pay medical bills with your credit card - withdraw to bank from HSA - pay off cc Even better: - pay medical bills with your credit card - invest your HSA - pay off cc - reimburse in 20-30 years (save receipts)
United States Trends
- 1. #GMMTV2026 992K posts
- 2. MILKLOVE BORN TO SHINE 186K posts
- 3. Good Tuesday 22K posts
- 4. WILLIAMEST MAGIC VIBES 22.2K posts
- 5. TOP CALL 9,322 posts
- 6. #WWERaw 78.1K posts
- 7. AI Alert 8,123 posts
- 8. Moe Odum N/A
- 9. Barcelona 146K posts
- 10. Brock 42.1K posts
- 11. Purdy 28.5K posts
- 12. Alan Dershowitz 2,818 posts
- 13. Check Analyze 2,421 posts
- 14. Bryce 21.3K posts
- 15. Token Signal 8,599 posts
- 16. Keegan Murray 1,558 posts
- 17. Dialyn 8,012 posts
- 18. Timberwolves 3,935 posts
- 19. Market Focus 4,644 posts
- 20. Finch 14.9K posts
Something went wrong.
Something went wrong.