Michael Garber Financial Planning

Holistic financial planning and investment advice in California and beyond. Specializing in serving technology professionals. Simplify everything.

[Michael Garber Financial Planning @GarberPlanning]

@0xkvro Mandelbrot's observations about price behavior explain things better than conventional finance theories.

[kvro @0xkvro]

Benoit Mandelbrot, Yale professor, IBM Fellow, and the father of fractal finance:

Most traders think markets are predictable if you collect enough data. Mandelbrot spent decades proving the opposite: markets are dominated by rare, extreme events that standard models underestimate.

This free talk explains why successful quantitative trading isn't about predicting every move. It's about building systems that survive uncertainty, protect capital, and keep exploiting small statistical edges over thousands of trades.

The mathematics has been public for decades. The lesson hasn't changed.

Bookmark this before your next trade.

[Michael Garber Financial Planning @GarberPlanning]

@jason_mok @TKopelman The Alliance of Comprehensive Planners is a community of fee-only tax-focused advisors.

[Tai Lopez @tailopez]

Your entire nervous system relaxes when your finances are in order. Most anxiety is not a mental health problem. It is a cash flow problem. Fix the money first.

[IRStaxsecurity @IRStaxsecurity]

The #IRS has warned taxpayers not to rely on AI-generated responses to complex tax questions. They should also verify any calculations or information provided by artificial intelligence. Learn more about potential threats to your tax security at: https://t.co/lROWJGYJxg

[Larry Swedroe @larryswedroe]

My Substack column today is Gambling Away Your Future: What a New Study Reveals About Sports Betting and Your Finances
https://t.co/EWDq6wFzAq

[Michael Garber Financial Planning @GarberPlanning]

They aren't the only ones!

[The Signal Quant @thespeedsignal]

@zerohedge SpaceX employees discovering taxes and wealth management fees is peak 2026 markets.
For years it's "diamond hands, we're changing humanity." Then the stock hits and suddenly everyone's Googling "tax-efficient liquidation strategies" at 2 AM. 🚀😂

[Michael Garber Financial Planning @GarberPlanning]

@scottsalaske Advisors also need to be able to explain to their clients why to avoid these strategies when other advisors try to woo the clients away.

[Michael Garber Financial Planning @GarberPlanning]

@Rick_Ferri @larryswedroe @Alex33874702 It's better to be lucky than smart.

[Rick Ferri, CFA @Rick_Ferri]

When it's all said and done - if we're being totally honest - by the time one reaches a ripe old age, most stock investors will earn more money in a buy-and-hold total global equity index portfolio than doing anything else. A few non-believers will get lucky; most will not.

[Zig Ziglar @TheZigZiglar]

Every result begins with a decision.

Small choices made daily lead to big outcomes over time.

Your direction is built one decision at a time.

What decision are you making today?

[Michael Garber Financial Planning @GarberPlanning]

This is why we stay invested in turbulent markets. The best up days are often surrounded by down days.

[Brew Markets @brewmarkets]

The S&P 500 is having its best day since May 2025.

[IRStaxsecurity @IRStaxsecurity]

USERS BEWARE: Taxpayers should not rely on AI-generated responses to complex tax questions or tax return calculations. Learn more about #IRS warnings to ensure your tax security at: https://t.co/lROWJGYJxg

[unusual_whales @unusual_whales]

Warren Buffett: "I would still hold stocks even if I knew that World War III would happen."

[The Motley Fool @themotleyfool]

Every time you earn $1,
Invest 10 cents of it.

[The Motley Fool @themotleyfool]

Today is a good day to not do anything to your portfolio.

[Michael Garber Financial Planning @GarberPlanning]

@wlthyaccountant Choral music.

[Susan Li @SusanLiTV]

2026 is the AI Super Bowl with AI companies buying a ton of commercial time

Like 2022 was the Crypto Super Bowl

Bitcoin would go on to plummet 60% in 2022

#SuperBowl #SuperBowlLX #AI #CryptoMarket $btc

[The Motley Fool @themotleyfool]

IPO = “It’s Probably Overpriced.”