Flow Financial Planning?, LLC

Asset allocation is perhaps the most important thing to get right when investing: basically, the balance of stocks and bonds. After you get your asset ALLOcation down, thought, asset LOcation (sorry, kids, I don’t make the rules…or the naming conventions) can help optimize your after-tax returns. This strategy can easily create unsustainable complexity, though, so at Flow we focus on getting most of the benefits while still controlling for simplicity. The ol’ 80/20 rule, basically. A blog post about using asset location to slightly juice your after-tax returns. https://buff.ly/3UOvgnU [Want to learn more about working with a financial planner? Visit me at flowfp.com]

You can use asset location to get more money *after-tax* out of your investment portfolio. But remember! This is icing on the investment cake. That cake’s ingredients? ?? Diversification ?? Low cost ?? An appropriate “asset allocation” (balance of stocks and bonds) But if you’ve already got the cake, and you want some icing, then you can implement just a few basic rules of asset location and get most of the benefits. What IS asset allocation? It’s an investment strategy that matches up the tax treatments of individual investments with the tax treatments of the account types you hold them in. Like, put your taxable bonds in your pre-tax IRA and your stocks in your Roth IRA. Learn how we use asset allocation for our clients at Flow in this week’s blog post. https://buff.ly/3UOvgnU [Want to learn more about working with a financial planner? Visit me at flowfp.com]

What do you think are the most important things to think about every year, when it comes to your life and finances? I’ll tell you what *we* think makes the list, in this blog post about our Annual Renewal Meeting for our clients. [Want to learn more about working with a financial planner? Visit me at flowfp.com]

What do you think are the most important things to think about every year, when it comes to your life and finances? I’ll tell you what *we* think makes the list, in this blog post about our Annual Renewal Meeting for our clients. [Want to learn more about working with a financial planner? Visit me at flowfp.com]

Let’s say you work with us as your financial planner. After we finish the initial work, our Annual Renewal Meeting will keep us on track year after year. Wondering what that meeting looks like? I’m glad you asked. I wrote a blog post about it.

Do you wonder what it’s like to work with a financial planner? Best way to find out? Work with a planner. Second best way? Maybe read this week’s blog post? In which I describe the centerpiece of our ongoing work with clients: the Annual Renewal Meeting.

If you’re worth > ~$5M, you could save your heirs a lot of taxes by moving some of your wealth out of your estate before 2026. Why? Because the possible expiration of the Tax Cuts and Jobs Act at that point would radically change tax law. A blog post.

In which I reveal my not-so-unified theory of f*cks and eggs and how they decrease in number as women age: "I turned 48 earlier this year. Being that 80-year-old woman rocking on the front porch who doesn’t give one sh*t what other people think? #goals I have a working hypothesis that women, much as we are born with all the eggs we’re ever going to have, we are also born with all the f*cks we’re ever going to have. And, as with eggs, we shed those f*cks steadily over our lifetime until arriving at a point when we, ta da! have no more f*cks to give."

In the latest editions of Meg's Musings, I...muse about why I feel so content in life lately. Sure some of it is just getting older. But some of it is that I (continue to) work hard to figure out what I really care about. https://buff.ly/3YetdLU

"Technical, Behavioral…and Bureaucratic" -- the 3 domains of knowledge I believe a financial planner must have to be of help to clients. Another edition of Meg's Musings on the blog this week.