Will Goodson, CFP®

Personal wealth management for retirees & the soon-to-be retired • Senior Financial Advisor & Partner @finsynhouston • Dad & husband • Tweets ≠ advice

[Will Goodson, CFP® @willgoodson]

Social Security has been a hot topic lately

But most people don't really understand it

Let's take a deep dive to see how things actually work... 🧵

[Will Goodson, CFP® @willgoodson]

@billsweet I’ve heard his story on what happened on 9/11 but didn’t know about his military service. Incredible life and legacy. Thanks for sharing!

[Will Goodson, CFP® @willgoodson]

@Wealth_Mgmt_Guy This is very annoying. But those requiring a Medallion guarantee are by far the worst offenders.

[Financial Synergies Wealth Advisors @finsynhouston]

📣 We're honored to be named one of @FAMagazine's 2025 Top 50 Fastest Growing RIAs!

Financial Synergies was the highest-ranked firm in Texas and the only Houston-based firm to make the list.

Read more in our blog: https://t.co/mIfPU4Wv2M

#RIA #Investment #Investing

[Will Goodson, CFP® @willgoodson]

@awealthofcs Adding Ace Ventura 2 to the list that pulled it off

[Will Goodson, CFP® @willgoodson]

@PeterMallouk Great band and great song!

[Will Goodson, CFP® @willgoodson]

I’ve never met anyone who was unhappy owning a large brokerage account.

[Will Goodson, CFP® @willgoodson]

@jeremywalter Wow, I never thought they’d do it

[Will Goodson, CFP® @willgoodson]

@Camp4 Great perspective. I’m trying to remind myself of this consistently. The best season of life so far!

[Will Goodson, CFP® @willgoodson]

No one knows what will happen in the markets over the next few months

But I'm pretty sure in about 5 years, we're all going to say:

"You remember when the market went nuts over all that tariff stuff?"

Markets - like life - just keep rolling on

[Will Goodson, CFP® @willgoodson]

A great way to know you're ready to retire:

Realizing there's always work to be done

And deciding you're no longer the one who needs to do it

[Will Goodson, CFP® @willgoodson]

Always check your tax return before filing

I reviewed a client’s return for Roth conversion opportunities

They received a larger than expected refund which was odd

They did a large conversion last year & didn't expect that

A quick review revealed the issue

The accountant forgot to report their Social Security income

This could've been a headache later on & may have led to penalties

Fortunately, we caught it & they were able to amend the return

(and not a knock on the CPA... tax time is crazy for them)

But always a good to reminder to check before sending to the IRS

[Will Goodson, CFP® @willgoodson]

An underrated quality:

Celebrating the achievements of others

Seeing friends, family, and coworkers get a promotion or accomplish something big should be celebrated

Many people downplay their own success but they should be recognized for their hard work & dedication

The world needs more of this

[Will Goodson, CFP® @willgoodson]

@awealthofcs Most people are probably going to keep living and spending like they always do. It takes a lot for people to change their spending habits. Now, if things get worse and layoffs increase, that's a different story.

[Will Goodson, CFP® @willgoodson]

A client's biggest retirement regret:

Not saving enough $ in a taxable brokerage account

All their funds are in pre-tax IRAs

The more they withdraw, the more ordinary income tax the owe

The lesson:

Diversify your account types just like you diversify your investments

[Will Goodson, CFP® @willgoodson]

@JustinRose99 @McIlroyRory @TheMasters @MorganStanley @Mastercard @LamkinGrips @petermillar @Titleist @TitleistEurope You were in it until the end and never gave up. You celebrated a friend and competitor in a huge spotlight and did it with the utmost class. You’re in a class of your own and look forward to watching you continue to compete for major championships.

[Will Goodson, CFP® @willgoodson]

That was an amazing Masters finish

Rory gets the green jacket & career grand slam

Justin Rose is a class act & phenomenal player

Doesn’t get much better than that

[Will Goodson, CFP® @willgoodson]

@allie_canal Great summary! The stock market gets more headlines but the bond market has been just as wild this week!

[Will Goodson, CFP® @willgoodson]

I hope someone buys this guy a steak dinner when this is all over

Seems like he's single handily holding the market together

[Will Goodson, CFP® @willgoodson]

It's not a reason to panic

But it does require recognizing how these events can play out

The stock market will remain one of the greatest wealth generating mechanisms in the world

But like Jamie Dimon said...

We're not in Kansas anymore

[Will Goodson, CFP® @willgoodson]

A clear reality about investing today:

The rise in leveraged strategies, hedge funds, algo automations, etc. can trigger massive selloffs instantaneously

Just look at Covid, 2022, and today's tariffs

It's another challenge for diversified, long-term investors...

[Will Goodson, CFP® @willgoodson]

For retirees, managing cash flow & expenses is key

And having an investment plan that you understand & can stick with is critical

We may continue to see these multi-year market runs followed by large pullbacks