Eric Roberge, CFP®

Founder, Beyond Your Hammock. Fee-only financial planner helping clients in their 30s & 40s establish million-dollar households and create generational wealth.

[Eric Roberge, CFP® @beyondfinances]

Looking for Eric Roberge or the BYH team on social? We'll see you on

LinkedIn: https://t.co/0TQMM4tKb7
Instagram: https://t.co/ErqzGMI7lu

👋🏻

[Eric Roberge, CFP® @beyondfinances]

@patefortworth @pslohmann Folks also don't consider that flat-fee advisors aren't stupid: they raise prices over time.

Great service costs what it costs. A good advisor knows their worth & charges accordingly. Whether AUM or flat fee, the cost to the client is often the same in terms of total $ paid.

[Eric Roberge, CFP® @beyondfinances]

@patefortworth @pslohmann This, 100%. A client we charge $6k/yr total (via subscription + AUM) is getting charged $10k/yr by the flat-fee advisor for similar service. We've considered changing our model because of that... people are so dogmatic about AUM they don't bother running the actual numbers.

[Eric Roberge, CFP® @beyondfinances]

@glad_cap @pslohmann Thanks for the mention, James - hope you're doing well!

[XYPN @XYPNOfficial]

📰 New GFR
Learn how to navigate investing from CFP®s:
- Craft your investment strategy — @BestFinLife, @beyondfinances
- Avoid behavioral pitfalls that diminish your ROI — @michaelreynolds
- Reassess speculative investments & blindly following ...
https://t.co/C5ziaaf9nC

[MichaelKitces @MichaelKitces]

In #FASuccess Ep 339, we talk about @beyondfinances' decision to get a formal valuation from FP Transitions that helped crystallize the significance of what he'd built and create new perspective on where to focus his time to best increase enterprise value. https://t.co/02P8DziFTT

[Eric Roberge, CFP® @beyondfinances]

You don't have to make saving for your kids' college your top financial priority.

You are not a bad parent if you don't pay your child's way through school.

First order of business is your own financial security. What comes after that depends on what's right for YOUR family.

[Eric Roberge, CFP® @beyondfinances]

Ready to build better money habits? @ShannahGame and I discuss what it takes and how to get started on this episode of Everyone's Talkin' Money: https://t.co/eaW5WFcqwR

[Eric Roberge, CFP® @beyondfinances]

When making a decision, make sure you fully outline the alternatives to an action you're considering...

But also recognize that ANY choice comes with downsides.

Don't delay a decision in hopes that a perfect decision will magically appear. (It won't.)

[Eric Roberge, CFP® @beyondfinances]

As financial planners with decades of experience, we’ve seen what works and what doesn’t.

This is where to start if you want to afford the experiences you want today while still building financial security for the future: https://t.co/czTujqR3BC

[Eric Roberge, CFP® @beyondfinances]

There are countless levers to pull when it comes to making changes that benefit your overall financial plan:

⬆️ Save more
⬇️ Spend less
💸 Invest differently
📝 Adjust your goals
🤔 Reconsider your timelines

Deciding exactly which one depends on knowing what you value most.

[Eric Roberge, CFP® @beyondfinances]

Regardless of how much you make, you won’t have wealth if you can’t save some of those earnings.

You need a killer savings habit. AND you need a high-enough income to support those ambitious savings and wealth-building efforts.

[Eric Roberge, CFP® @beyondfinances]

"Go with the option that opens up yet more options." - @kevin2kelly

This is exactly our philosophy when doing financial planning: we aim to increase the doors you have available to choose from - and preserve the ability to walk back through one if you change your mind.

[Eric Roberge, CFP® @beyondfinances]

@PaulaHarris @MichaelKitces @FPTransitions Thanks Paula, that means a lot. The process with @FPTransitions has been really interesting, revealing - and motivating. I'm excited to continue to dig in with them.

[Eric Roberge, CFP® @beyondfinances]

2022 was a challenging year for so many reasons - but going through it made our business (and our family) stronger than ever going into 2023.

I'm sharing some of that journey with @MichaelKitces on the #FASuccess podcast today. Catch the episode here: https://t.co/14vYcmhSxK

[Eric Roberge, CFP® @beyondfinances]

@harrimanhouse @morganhousel @Forbes Thanks! If you need any of our planning insights in book form, you know where to find me 😉

[MichaelKitces @MichaelKitces]

#FASuccess Podcast Ep 339: @beyondfinances and his wife Kali faced a tumultuous year as the firm dipped from $600,000 to $500,000 of revenue run rateand because with the arrival of their first child, they didn’t have the bandwidth and capacity to adapt. https://t.co/02P8DziFTT

[Eric Roberge, CFP® @beyondfinances]

If you can unlock these foundational pieces of growing wealth, you have what you need to achieve some massive financial goals.

So where do you start? Here’s our take on the fundamentals of money you need to master to increase your net worth. https://t.co/czTujqR3BC

[Eric Roberge, CFP® @beyondfinances]

Feeling stuck? Try this to find traction:

1. Identify what's not working
2. Get clear on your priorities
3. Consider what you can change right now
4. Ask for outside perspective to check blind spots
5. Align your actions with what you actually value and get moving again

[Eric Roberge, CFP® @beyondfinances]

If you want to maximize how much you contribute to investments in order to grow wealth, you can't limit yourself to retirement plans. I shared the biggest reason why taxable accounts are a must for our #financialplanning clients, via @investmentnews: https://t.co/N6qkLQNBkp

[Eric Roberge, CFP® @beyondfinances]

Just taking a moment to reflect on the first half of 2023 with the best little consultant we've ever had on living fully, being present, maintaining wonder, and making the most of every circumstance.