Sean Gates CFP®, EA

So shines a good deed in a weary world.

FI using smart tax strategies, real estate & simple investing.

15+ yrs of advice experience. Tweets ≠ Advice.

[Sean Gates CFP®, EA @seanfgates]

Tax planning is all about shifting income & deductions to opportunistically utilize the most useful marginal tax bracket.

Most people are too busy with their day-to-day lives to see these opportunities.

That's where a tax pro can often find tens of thousands in tax savings.

[Sean Gates CFP®, EA @seanfgates]

FOMO is so strong right now.

My goodness.

Congrats to the semi-conductor and memory bulls.

[Sean Gates CFP®, EA @seanfgates]

@WWillowResearch Does not look great for bti :(

[Sean Gates CFP®, EA @seanfgates]

@BuffaloBillCo You are not alone. Had $250k in a Roth in it before deepseek and sold scared.

Just a relentless run.

[Sean Gates CFP®, EA @seanfgates]

@mountainwesttax I am so sorry you are dealing with this while you have a young one.

[Sean Gates CFP®, EA @seanfgates]

@fintegrate The hardest part is always sizing the buys. These v shape recoveries don't allow considered adds.

[Sean Gates CFP®, EA @seanfgates]

A family member was sold a fixed annuity as what to do with his TSP rollover.

Rep got $10k and saddled them with a ~$50k surrender charge if they change their mind inside 10 yrs.

This industry needs reform.

Think it failed to meet suitability standard.

[Sean Gates CFP®, EA @seanfgates]

@retireearlybro @nicotinecap Welcome back!

Looking forward to the updates.

[Sean Gates CFP®, EA @seanfgates]

@MoS_Investing Totally.

At least for us, that part feels more fun over distribution.

Kudos for the audience you have built!

[Sean Gates CFP®, EA @seanfgates]

My wife is a badass programmer.

She left her day job ~3 yrs ago not needing to earn another dollar...

...but it would be fun to try stuff together.

It's hard & you realize how critical distribution is.

She recently sold a $80 app subscription & I could not be more proud!

[Sean Gates CFP®, EA @seanfgates]

@adammarkowitzEA Becoming more convinced that complexity is the point as the vast majority will just file jointly and pay more without realizing the "mistake".

[Sean Gates CFP®, EA @seanfgates]

@JohnDoeKnowsGuy Can confirm.

Hopefully the fair tax burden stays in place.

[Sean Gates CFP®, EA @seanfgates]

@tobaccoinsider This feels like a big deal given the ESG angle that has created reluctance in a lot of larger institutions owning.

[Sean Gates CFP®, EA @seanfgates]

@StumpGuyTy This is my favorite part of the game.

Even if cash back was mathematically better, it is unlikely I would pay cash for a stay at this hotel.

Points encourages me to create memories.

Hope you have a blast.

[Sean Gates CFP®, EA @seanfgates]

I never found a great way to sell the value of avoiding mistakes as part of financial planning.

I have two real-world $100k+ avoidable expense issues I am dealing with because they did not follow proper advice.

Difficult problem to solve well.

[Sean Gates CFP®, EA @seanfgates]

@xmjEE @Divergent7651 No, will look into it!

[Sean Gates CFP®, EA @seanfgates]

@WazzCrypto Respect. No great pfms that do transactions and investments well together.

Love it!

[Sean Gates CFP®, EA @seanfgates]

@TheLAPurchaser I am not so sure.

The substack business is an incredible business - without stress.

[Sean Gates CFP®, EA @seanfgates]

@WWillowResearch I missed LB in the 40's earlier in the year.

It was staring me right in the face while it happened too

:(

[Sean Gates CFP®, EA @seanfgates]

@markcecchini It's happening

https://t.co/e0k75dZ8F0

[Sean Gates CFP®, EA @seanfgates]

Seeing a higher incidence of people with DIY financial planning simulations showing 9% annual rates of return.

"I am just using historical market returns."

😬