Brian Bond, CFP®, CMT

Grow up Peter Pan | Owner of Leverage Financial Advisory | Educational Commentary Only | Not Advice |

[Brian Bond, CFP®, CMT @BrianBond]

Owner of Leverage Financial Advisory, an Independent RIA in the Greater Boston area. I post charts here focused on my TGRS Investment Framework: Trend, Growth, & Relative Strength. Educational only.

[Shane Parrish @shaneparrish]

One of the worst qualities a person can have is the need to show how smart they are by catching others' mistakes.

In legal work, this may be useful, but in life, it's a disaster.

[Bear Grylls OBE @BearGrylls]

Rich people buy time. Poor people buy stuff. Ambitious people buy skills. Survivors master their mind.

[Brian Bond, CFP®, CMT @BrianBond]

Prices, per US Inflation Rate, have not gone down once in the last 50 years.

Odds are this as cheap as goods and services will ever be again.

[Brian Bond, CFP®, CMT @BrianBond]

Also a good example of why looking at the charts relative to the market index can be extremely valuable

[Travis Gatzemeier, CFP® @T_Gatzemeier]

Nike is a good example of why it's really hard to be successful owning single stocks over the long haul.

From Aug 2016 to Aug 2022, Nike blew away the S&P 500...

- NIKE 🔼 ~200%
- S&P 500 🔼 ~140%

Fast forward to today, since Aug 2016

- NIKE 🔽 ~25%
- S&P 500 🔼 ~316%

[Brian Bond, CFP®, CMT @BrianBond]

Too many positions to own, becomes such a mess to unwind and at some point there won’t be many losses to harvest

[Jon Luskin, CFP® @JonLuskin]

Spoke with someone yesterday who said they are paying 0.7% for 'direct indexing.'

They were sold on the tax savings.

Will they net more in tax savings than they'll pay in portfolio management fees?

Almost certainly not.

With direct indexing, you're not necessarily avoiding taxes as much as you're pushing them into the future.

And, if you're in a higher tax bracket in the future?

You might have been better off not direct indexing at all - and that's to say nothing of the portfolio management fees.

Paying taxes is a pain point for many.

Yet, many tax strategies provide dubious value, at best. That's especially the case in the long term.

So, don't let taxes distract you from the much more important issue when investing: fees.

Keeping your costs low is an investor's best bet.

That means using low-cost index funds to invest.

[Brian Bond, CFP®, CMT @BrianBond]

@JonLuskin Too many positions to own, becomes such a mess to unwind and at some point there won’t be many losses to harvest

[Brian Bond, CFP®, CMT @BrianBond]

Too many positions to own, becomes such a mess to unwind and at some point there won’t be many losses to harvest

[Eric Balchunas @EricBalchunas]

Direct Indexing was a really solid attempt for asset managers to avoid having to brave the ETF Terrordome. I dont blame them for trying but to quote Michael Jordan “you still gotta come through Chicago” And that’s we have been(bf it was cool) and will be bearish vs the hype

[Brian Bond, CFP®, CMT @BrianBond]

@EricBalchunas Too many positions to own, becomes such a mess to unwind and at some point there won’t be many losses to harvest

[Brian Bond, CFP®, CMT @BrianBond]

Wonder that money will go? If only MA citizens voted for an audit and transparency…

[Only In Boston @OnlyInBOS]

Massachusetts just helped secure a historic $17.1 BILLION settlement with Meta.

Teens will get a 2-hour daily Instagram/Facebook limit, no access from midnight-6AM and silenced notifications during school hours.

Massachusetts gets at least $366 MILLION from the settlement.

[Brian Bond, CFP®, CMT @BrianBond]

@OnlyInBOS Wonder that money will go? If only MA citizens voted for an audit and transparency…

[Brian Bond, CFP®, CMT @BrianBond]

A Betterment survey found 26% of Gen Z treat sports betting as a deliberate part of their long-term financial strategy.

The odds my friends, are against you.

If you want to bet on sports, maybe do it with small amounts that won't ruin your financial future if you lose it all.

[Brian Bond, CFP®, CMT @BrianBond]

After age 65, you can withdraw for ANY reason without the 20% penalty.

You’ll just owe ordinary income tax on non-medical withdrawals.

To qualify, you generally need an HSA-eligible high-deductible health plan.

[Brian Bond, CFP®, CMT @BrianBond]

HSAs might be the most tax-advantaged account available.

For 2026:
• $4,400 individual
• $8,750 family

You get 3 tax benefits:

1. Tax-deductible contributions
2. Tax-free growth
3. Tax-free withdrawals for qualified medical expenses

AND IN ADDITION:

[Brian Bond, CFP®, CMT @BrianBond]

Noteworthy

[Thierry from arvy 🇨🇭 @ThierryBorgeat]

WHAT IF the biggest bubble of our lifetime isn't crypto?

Not AI stocks.
Not real estate.

What if it's the one asset every pension fund, every retiree, every "safe" portfolio is loaded with?

Bonds.

200 years of rate cycles say the same thing:
Every peak lasts 56–67 years.
The 1981 top was 14% yields.
The 2020 bottom was 0%.

39 years of falling rates just ended.

What if we're now at the start of the next 50-year cycle — upward?

Most investors have never managed money in a rising rate world.
Their entire career happened inside the bull.

The unwind has barely started.
And no one is talking about it.

[Brian Bond, CFP®, CMT @BrianBond]

Greed, fear, and hope.

That’s how markets move.

[Brian Bond, CFP®, CMT @BrianBond]

If you believe you can’t beat the market, you will never beat the market.

Belief is step one.

[Brian Bond, CFP®, CMT @BrianBond]

Tax-advantaged tactical ETFs are changing the game.

Some can shift from stocks to cash or other low-risk investments during extreme volatility without triggering an immediate capital gain.

Downside protection + tax efficiency

Worth paying attention to.

[Brian Bond, CFP®, CMT @BrianBond]

One of the biggest tax benefits of owning a home:

Sell your primary residence and you may exclude up to:

$250K of gain if single
$500K if married

Potentially tax-free.

[Brian Bond, CFP®, CMT @BrianBond]

Housing market signal?

[Brian Bond, CFP®, CMT @BrianBond]

Start investing at 25 vs. 30.

Same $10,000/year.
Same 8% return.
Stop/Retire at 65.

25-year-old: $2.59M
30-year-old: $1.72M

That 5-year head start is worth $867,000.

Time is an investor’s greatest advantage.