Byron Studdard

Portfolio Manager & Certified Financial Planner. These views are solely my own, re-tweets are not endorsements.

[Byron Studdard @ByronStuddard]

https://t.co/RfdqASeN1F

[Byron Studdard @ByronStuddard]

Everyone says delay Social Security to 70 for the "guaranteed 8%." That advice skips a variable that matters more than the math — how long you actually live. Broke down the framework I use instead of a blanket rule → https://t.co/jcf48Wgwmy

[Byron Studdard @ByronStuddard]

"Delaying Social Security is a guaranteed 8% return."

Sure — but if you delay to the max and only collect for 2 years, did it actually help you?

The comparison most people skip ⬇️ https://t.co/Ns6P9f7lR1

[Byron Studdard @ByronStuddard]

If you're trying to figure out where your portfolio falls on that spectrum, I'm happy to talk it through. → [https://t.co/3ii0EfO7cr]

[Byron Studdard @ByronStuddard]

At 12, I wanted a stereo so that I could make a mix-tape to impress a girl I liked. I didn’t get the girl, but I bought Walmart stock — and fell in love with investing.
https://t.co/TbYO7mc1D7

[Byron Studdard @ByronStuddard]

The question I get most: "Should I diversify or concentrate in stocks I believe in?"

Short answer — they solve different problems. Diversification protects wealth you've already built. Concentration in a few exceptional businesses is usually how that wealth got built originally.

[Byron Studdard @ByronStuddard]

I'm Byron Studdard, CFP® — fee-only fiduciary financial advisor with offices in Sarasota, FL and Memphis, TN. 30+ years managing portfolios through bull markets, bear markets, and everything between.

[Byron Studdard @ByronStuddard]

Need retirement income before age 59½?

IRS Rule 72(t) may let you access your 401(k) or IRA without the usual 10% early-withdrawal penalty—but strict rules apply.

Watch before making a move: https://t.co/AtcPZl3I0h

#RetirementPlanning #FiduciaryFinancialPlanner

[Byron Studdard @ByronStuddard]

Check out my latest article: When to Sell Stocks Without Letting Fear Decide https://t.co/GJLkookOyp via @LinkedIn

[Byron Studdard @ByronStuddard]

Check out my latest article: Can I Retire Early? A Clear Planning Testing Test https://t.co/JEc9wATsOJ via @LinkedIn

[Byron Studdard @ByronStuddard]

Great pizza, good atmosphere!

[Byron Studdard @ByronStuddard]

Follow closer monkey

[Byron Studdard @ByronStuddard]

https://t.co/S71gGowvcX

[Byron Studdard @ByronStuddard]

Studdard Financial is fully operational in Park City, Utah. Our thoughts and prayers are with all in Hurricane Irma's path. Stay safe!

[Byron Studdard @ByronStuddard]

We are riding out Hurricane Irma in Park City, Utah. We are fully operational and won't return to Florida until... https://t.co/NFLF9rvi8e

[Byron Studdard @ByronStuddard]

Help for a Hero https://t.co/j92TJo4GGn

[Byron Studdard @ByronStuddard]

https://t.co/MGVfG0rGFP

[Byron Studdard @ByronStuddard]

Just found out that my article was featured on Hawaii's Channel 4 KITV website. https://t.co/K0U1UGswiZ

[Byron Studdard @ByronStuddard]

https://t.co/KTlrMxonCk https://t.co/LoieafYkCK

[Byron Studdard @ByronStuddard]

Carol's Fight Fund https://t.co/vuFp4Gfvmv