Sam Rodriguez, CFP®

Financial Planner | Let’s Chat
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Securities offered through LPL Financial, Member SIPC

[Sam Rodriguez, CFP® @MoneyWithSam]

Most retirees under-spend in retirement. There are 3 categories where the cost of waiting is higher than people realize. #RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

https://t.co/e1fqS7wwcZ

[Sam Rodriguez, CFP® @MoneyWithSam]

The 4% rule was never a spending prescription. It was a probability estimate with a lot of fine print attached. Here is what a smarter withdrawal strategy actually looks like. #RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

You saved for 30+ years. The numbers check out. So why does spending in retirement feel so wrong?

The hardest part of retiring isn't the math. It's unlearning the habit that got you there.

#RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Most people think an advisor's value is the plan. By year five, it's something else entirely. #FinancialPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

@SawyerMMay [email protected]

[Sam Rodriguez, CFP® @MoneyWithSam]

Getting laid off at 55 could actually come with a financial window most people don't know exists. But act too fast, and you lose it.

#PersonalFinance #Retirement

[Sam Rodriguez, CFP® @MoneyWithSam]

Most people asking for more growth in retirement don't actually need it. They need something else entirely. #RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Severance feels like a cushion. It can become a tax problem if you move too fast.

Here's what to do first. #PersonalFinance #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Advisors often say roll your 401(k) into an IRA. But when they manage the IRA, they get paid on it. When it stays in your old plan, they don't. There are 4 reasons to roll and 3 reasons not to. #401k #RetirementPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Many people in their 50s have never heard of the Rule of 55, and it could mean the difference between a costly mistake and a clean exit from work.

#EarlyRetirement #RetirementPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Retirement confidence isn't built by a bigger balance. It's built by understanding the one you already have.

#RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Old 401(k) collecting dust? Most people only know one option. There are actually four, and the one you are probably missing could give you a lot more control. #401k #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Two retirees. Same returns. Same starting balance. One runs out of money.

The difference has nothing to do with their investments. 📉

#RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Tax Time Bomb?

[Sam Rodriguez, CFP® @MoneyWithSam]

Being organized doesn't mean your financial life is actually coordinated.

One high earner had spreadsheets for everything, but tax inefficiencies and scattered accounts told a different story. 📊
#FinancialPlanning #WealthManagement

[Sam Rodriguez, CFP® @MoneyWithSam]

You can have a million dollars and still feel anxious. Or half that and feel completely secure.

The difference? Three structural elements most high earners are missing.

#FinancialPlanning #WealthManagement

[Sam Rodriguez, CFP® @MoneyWithSam]

A bigger paycheck doesn't eliminate financial stress. It often just creates different problems.

Nearly 50% of Americans feel more financial pressure now than a year ago. Even high earners are falling behind.

#FinancialPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Scattered 401(k) accounts could be costing you thousands
Capitalize: https://t.co/oN6DmoZExk
Capitalize: https://t.co/2bLymj5QeM

[Sam Rodriguez, CFP® @MoneyWithSam]

This bill system could remove your financial stress

#personalfinance #budgeting #moneymanagement