Brian Salcetti, CIMA®, AIF®

🏦 Managing Partner, Wealth Advisor @arca_wealth
🏡 Dad x3
💡 Never stop learning, never stop living.
📝 tweet ≠ advice

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

🔗 Read the full article here: https://t.co/f42hDabOjM

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Most people don't need a bigger salary.

They need a better plan for the salary they already have.

The biggest financial mistake?

Saving whatever happens to be left over at the end of the month.

People who build wealth tend to do the opposite:

Save first. Spend second.

New article ↓

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

@BernieSanders Term limits

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Read here: https://t.co/qTu2SP3D44

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

The 10 largest U.S. IPOs since 1999 all have one thing in common:

They were down one year later.

Average return: -26.8%.

Yet this year's largest IPOs are up +31.1%.

Excluding one outlier? Just +2.5%.

So which story will SpaceX follow?

A great company ≠ a great investment at any price.

Article in comments.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Read here: https://t.co/Eb23ggiKQH

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Most people think 529 plans are only for college.

Not anymore.

A 529 may now help cover:

✅K-12 tuition
✅Trade schools
✅Apprenticeships
✅Professional certifications
✅Student loan repayment
✅Roth IRA funding (subject to rules)

The modern 529 isn't just for college.
It's a career-building tool.

New article ⬇️

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Read more: https://t.co/dBddQCQIEF

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

65% of U.S. households are priced out of a median-priced new home.

Not a luxury home.

A typical new home.

Housing affordability has become one of the biggest financial challenges facing American families today.

I unpack the data and what it means for buyers, homeowners, and the next generation in this week's Sandbox Pulse.

🔗 Link in comments.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Read here: https://t.co/0cIfwsSTQ4

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Tom Lee's market roadmap:

📈 Phase 1: More Upside Ahead
📉 Phase 2: A Volatile 2026
🚀 Phase 3: A Potentially Powerful 2027

One reason he's bullish:

Wall Street expected ~$70/share in Q1 S&P earnings.

Actual results are tracking closer to ~$80/share.

Lee estimates that earnings surprise alone could justify 800-1,000 S&P points of upside.

His boldest call:

"2027 could be one of the best years for stock market returns in our lifetime."

Full breakdown in this week's Sandbox Pulse.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

The biggest retirement risks often happen after retirement.

Not because of bad investments.

Because of:
☑️ Poor withdrawal strategies
☑️ Taxes
☑️ Inflation
☑️ Sequence of returns risk
☑️ Emotional decisions during market downturns

Retirement is about more than reaching a number.

Read more: https://t.co/WLFyy6zof8

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Welcome to the $1 trillion club, Micron.

AI doesn’t run without memory, chips, and infrastructure.

$MU now joins $NVDA , $AAPL , $MSFT , $AMZN , $GOOG , $META , Saudi Aramco, $BRK.A , $TSM , $AVGO , and $LLY in the trillion-dollar club.

The “picks and shovels” of the AI boom are becoming some of the most valuable assets in the world.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Mortgage rates are back above 6.5% — the highest level since last summer.

With home prices still near record highs, affordability remains a major challenge for buyers.

The key isn’t timing the housing market perfectly.

It’s making sure the purchase fits your long-term financial plan.

Higher rates change the math.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Everyone wants in on the SpaceX IPO. 🚀

That’s exactly why investors should slow down.

SpaceX (expected ticker: SPCX) could become the biggest IPO in history with a valuation approaching $2T.

But this story is bigger than rockets or AI.

It’s about:
• FOMO
• investor psychology
• extreme expectations
• and the danger of confusing admiration for a company with a disciplined investment process.

The companies that change the world are not always the best investments on day one.

Full breakdown here: https://t.co/ta0nLklGKP

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

“You will rarely outperform your self-image.”
— James Clear

Financial habits usually follow identity.

People who see themselves as disciplined savers tend to save.

People who see themselves as investors tend to stay invested.

Long-term wealth is often built from small behaviors repeated consistently over time.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

“The best view of the game is probably from the stands. But that's not where the action is.” — James Clear

The same is true in investing.

Many people wait for the “perfect” time to invest and spend years sitting on the sidelines.

Meanwhile, compounding keeps working for those willing to stay in the game.

Time > timing.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Read here: https://t.co/8c7fapz94H

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Financial stress is often uncertainty disguised as money problems.

Not knowing if you’re saving enough.
Not knowing if you can retire.
Not knowing if you’re making the right decisions.

That uncertainty can lead to costly behaviors:
• panic selling
• delaying investing
• avoiding planning
• leaving cash idle for years

Good financial planning helps replace uncertainty with clarity.

New Sandbox Pulse article below.

[Brian Salcetti, CIMA®, AIF® @Sandbox_Salsa]

Gas prices are back above $4.50 nationally. ⛽️

For many families, it’s another reminder that the cost of everyday life keeps rising.

Inflation impacts more than markets — it impacts everyday cash flow and purchasing power.