I am excited to launch my journey as an aspiring CFP for @ToceFinancial ! Sharing financial insights, investment strategies, and planning tips. Everyone needs a plan—let's build your financial future together. Subscribe to my Substack for more! 📰 #FinancialPlanning#CFP
@AJToce Using gold? That’s boomer math. If we’re talking true purchasing power, a McDonald's worker in 2014 was making enough to buy 0.6 BTC a week. So, if you aren’t pulling in $40,000 a week today, you’re basically working for free.
One piece of advice for someone in their mid 20’s going into 2026:
Build the habit of maxing out an IRA as early as possible.
The difference between someone who started at 25 vs 30 is staggering.
Year-End Moves that Matter
• RMD: age 73+ missing this can trigger penalties.
• Roth conversions: Move pre-tax → Roth to fill your current tax bracket
• Tax-loss harvesting: Offset gains + up to $3k of ordinary income
• Charitable giving — Donate to a 501(c)(3) by 12/31
As we move into the heart of the Holiday Season, we're wishing everyone a very Happy Holidays! 🎅
Thank you for supporting Toce Financial Group this year - we appreciate each and every one of you.
Last year, when I was still managing night operations at an FBO, I met a $TMDX team flying in for an organ transplant. That’s when I first saw their OCS tech in action. After 4 years of only seeing organs on ice, the OCS blew me away. Today I’m buying more $TMDX stock.
Just wrapped up an outstanding experience at Altruist Academy Chicago 2025. The event offered valuable insight into how AI can enhance client service and streamline operations within the RIA space. I also gained meaningful knowledge around behavioral finance and building stronger relationships with clients. The venue was beautiful, the event was exceptionally well organized, and the Altruist team was professional, welcoming, and incredibly helpful.
Big thank you to @AJToce and @ToceFinancial for the opportunity and to @altruist for hosting an enriching learning experience!
Day 1 at Altruist Academy Chicago set the bar high. Advisors dove deep into modern custodianship, got a front-row seat to our 2025 product roadmap, and unpacked advisor biases in an eye-opening CE session.
Day 2 is on deck with an agenda that offers a little bit of everything: marketing, AI, referrals, automation, and more
Welcome to Altruist Academy - Chicago.
People spend hours researching for their fantasy football draft... but barely 30 minutes planning their investments.
One is just for fun. The other shapes your future.
Which one are you prioritizing?
Super Bowl LIX was a huge success, and it's clear New Orleans knows how to throw a party!
@NFL, let's make it official—New Orleans needs to be on a 5-year rotation for Super Bowls! Who’s with me?! #SBLIX