Joe Nafziger, CFP®

Financial Advisor | @KStateIPFP alumnus | Opinions are my own | #FinTwit

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ @LWarmund @PriddyJordan @TheModernFA I worked through this with a client recently. We came to the conclusion that holding was a better option due to the 3 month penalty. The math was very close, will depend largely on what rate you can get outside of the bond.

[Joe Nafziger, CFP® @joenaf2]

@CPAPlanner Would it be too much for the IRS to give us a clear answer, rather than year by year updates? Appreciate the prompt communication, @CPAPlanner !

[Joe Nafziger, CFP® @joenaf2]

@MikeSyl36625988 You gotta back in or back out, right? Seems like 6 one way half a dozen the other?

[Joe Nafziger, CFP® @joenaf2]

@LouStagner I would think make % goes way up if you hand pick each putt. Always up hill, with minimal break. I think they're making 20 to 25% and winning at around 16 to 18 under.

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ 2 smoothies? Must have been a big workout!

[Joe Nafziger, CFP® @joenaf2]

@PeterMallouk Based off the pessimistic replies, my gut tells me no. Obviously I have no idea, but when confidence drops the bottom feels near.

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ It's nice when technology works for you! Great way to kick off the long weekend.

[Joe Nafziger, CFP® @joenaf2]

@sharontseung Assuming the passive 7k doesn't come with maintenance/management responsibility, I'm taking the 7k. If it comes with any strings, give me the $1M

[Joe Nafziger, CFP® @joenaf2]

Considering using a 10 yr INH Roth account to fund Roth IRA contribs for a young couple over the next few years until the INH Roth is depleted. The idea is to move these 10 yr tax free assets to lifetime tax free assets for them. Thoughts from #fintwit? @MichaelKitces @CPAPlanner

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ A focus on granular goals that we can help them reach would be a huge value add. Looking at professional and financial goals in the next 6 - 24 months and helping them track and execute on these goals provide more value than 30+ year cash flow projections for a younger client.

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ Really like this point. Seems like the industry feels obligated to serve this segment.

[Joe Nafziger, CFP® @joenaf2]

How do advisors best serve HENRY's? Are multiple platforms and service models needed? Interested to hear ideas from #fintwit

[Travis Hornsby, CFA, CFP® @StudentLoanTrav]

BREAKING: Student loan pause to be extended until Aug 31, which means that the first pmt would be due late Sept / early Oct. This seems to be designed to provide an oppty for an addtl relief announcement right before the midterms. vs announcing Dec 31 as the date right now.

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ Finding my advising style. Observing multiple experienced advisors has helped me shape how I interact with clients. Still a work in progress!

[Arrowhead Pride @ArrowheadPride]

Every RT = one more vote

Tyrann Mathieu 🍯🦡

#WPMOYChallenge

[Joe Nafziger, CFP® @joenaf2]

@JackGiardino_ Finish the year strong 💪

[Jeff Levine, CPA/PFS, CFP® @CPAPlanner]

In terms of the House-passed version of the #BuildBackBetter Act, the three tax-related provisions most likely to impact advisors' clients are:

1️⃣ Extension of the enhanced Child Tax Credit through 2022

2️⃣ SALT relief ($80k)

3️⃣ Elimination of Back-Door Roth strategies