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We think term life insurance is often the better choice for most people. Permanent policies are usually more expensive and may not deliver the value they promise, especially if sold using fear-based tactics like “leaving a legacy” or “what if you can’t renew later?” Not everyone needs it, life insurance is most valuable when you have dependents or others who rely on your income. When to get life insurance, read more: https://lnkd.in/dHZ5_mf9

? Recommendations 2.0: A New Era for Your Financial Journey! ? Big news from PortfolioPilot! We've made game-changing improvements to our platform, designed to simplify your financial life and help you achieve your goals. Based on your feedback, we've rebuilt our recommendations from the ground up. Here’s what’s new: ?? Actionable Monthly Advice:? - Bite-sized, personalized suggestions covering estate planning, retirement, tax optimization, investment strategies, and more—delivered right to your inbox. ?? Investing Recommendations 2.0: - Clear, detailed justifications for every suggestion. - Customizable to your preferences (like fund families, asset classes, and expense ratios). - Smarter learning: Ignore what doesn’t work, and PortfolioPilot adapts to you. ?? Enhanced Portfolio Score: - Gain deeper insights into your portfolio's performance with a more stable and accurate scoring system. ?? Special Offer: Test it for FREE! Activate your 1-month Gold trial with PROMOCODE: RECSGOLD and experience the difference. ?? Tax Loss Harvesting Sessions: Wrap up the year strong with expert-led session to maximize your tax savings: ? TLH General Session: Monday, Dec. 30, 1:00 PM PT Register: https://lu.ma/8g7fjpwk Let’s finish 2024 strong with actionable, personalized financial advice designed to empower you. ?? Start your journey today at PortfolioPilot.com. #FinancialFreedom #PortfolioPilot #InvestSmart #TaxOptimization

?? PortfolioPilot users have already saved $11 million in 2024 taxes. Are you thinking long-term? As we continue exploring tax-loss harvesting, let’s revisit an often-overlooked aspect: coordination with future gains. ?? Why it matters: While harvesting losses provides immediate tax relief, aligning these losses with anticipated future gains can create long-term financial benefits. This strategic foresight ensures that you’re not just saving for today but building a foundation for tomorrow. ?? Key Questions to Reflect On: 1?? Are you evaluating your portfolio for upcoming gains to maximize the impact of harvested losses? 2?? Have you integrated long-term tax efficiency into your investment strategy? 3?? What actionable steps can you take to align your portfolio with these opportunities? ? Coordinated planning isn’t just a tactic—it’s a pathway to sustainable financial growth. ?? Don’t forget our 30-min Tax Loss Harvesting Sessions! We’re offering free focused sessions with our CEO Alexander Harmsen to help investors of all levels make the most of TLH strategies. ?? Upcoming Sessions: ?? TLH for Intermediate Investors: Thursday, Dec. 12, 3:30 PM PT ?? https://lu.ma/9vuwuata ?? TLH Office Hours: Sunday, Dec. 15, 2:00 PM PT ?? https://lu.ma/42zszw90 ?? TLH for Advanced Investors: Monday, Dec. 16, 4:00 PM PT ?? https://lu.ma/bklhr8ao ? TLH General Session: Monday, Dec. 30, 1:00 PM PT ?? https://lu.ma/8g7fjpwk With just a few weeks left in the year, these sessions are a great opportunity to refine your approach and end 2024 on a strong financial note. ??? Pick the session that best suits your needs! #TaxPlanning #WealthManagement #FinancialGrowth

?? Finish 2024 Strong with 30-min Tax Loss Harvesting Sessions - Free sign up to get practical tips! The countdown to the end of December has begun—only 21 Days remain to wrap up your financial year. As the year comes to a close, now is a great time to review and refine your tax planning strategies. We’re hosting Tax Loss Harvesting 30min sessions with our CEO Alexander Harmsen for investors of all experience levels. Whether you’re new to TLH or looking to deepen your understanding, these sessions offer an opportunity to explore key insights and considerations. ?? Upcoming 30min Sessions: ?? TLH for Beginners: Tuesday, Dec. 10, 4:30 PM PT ??https://lu.ma/pk8iso30 ?? TLH for Intermediate Investors: Thursday, Dec. 12, 3:30 PM PT ??https://lu.ma/9vuwuata ?? TLH Office Hours: Sunday, Dec. 15, 2:00 PM PT ??https://lu.ma/42zszw90 ?? TLH for Advanced Investors: Monday, Dec. 16, 4:00 PM PT ??https://lu.ma/bklhr8ao ? TLH General Session: Monday, Dec. 30, 1:00 PM PT ??https://lu.ma/8g7fjpwk With just 21 Days remaining in 2024, these sessions are a timely opportunity to better understand TLH strategies and explore how they might fit into your financial approach. ??? Select a session tailored to your experience level or join our general session on December 30th. #TaxPlanning #PortfolioPilot #InvestingInsights #YearEndFinances

?? Following up on the previous post, let's dive into more myths surrounding tax-loss harvesting that could be limiting your strategy. Here are a few more misconceptions that are important to clear up to help maximize your investment opportunities and tax efficiency. Myth #3: "Tax-Loss Harvesting only works for big investors" ? Many believe that tax-loss harvesting is only beneficial for high-net-worth individuals with large portfolios. The truth is, it’s a strategy that can benefit any investor, no matter the size of their account. Even small losses can add up, reducing taxable income and making a real difference to your overall returns. Whether you’re just starting or have been investing for years, tax-loss harvesting is a tool everyone can use. Myth #4: "Tax-Loss Harvesting will lead to mistakes due to the wash sale rule" ? One of the biggest barriers to tax-loss harvesting is the fear of the wash sale rule—where you can’t buy the same or substantially similar security within 30 days after selling it. While this rule is important to understand, modern tools like PortfolioPilot can help you navigate this by offering automatic alerts, helping you avoid violating the rule while still taking advantage of tax-loss harvesting. Myth #5: "Tax-Loss Harvesting is just about taxes" ? While tax-loss harvesting certainly helps with taxes, it’s also a valuable tool for maintaining a balanced portfolio and managing risk. By harvesting losses and reinvesting in new assets, you can optimize your portfolio’s composition and improve its performance over time. It’s not just about taxes—it’s about smarter investing. The Truth: Tax-Loss Harvesting is a Year-Round Strategy ?? Tax-loss harvesting isn’t just a year-end tax strategy—it’s a continuous process that can help you make the most of your portfolio, improve tax efficiency, and even boost overall returns. And with modern tools, it’s easier than ever to integrate into your investment routine. Don't let myths hold you back. Embrace tax-loss harvesting as a year-round strategy and watch how it can work to your advantage, regardless of the market's ups and downs. #TaxLossHarvesting #SmartInvesting #MythBusting #InvestmentStrategy #TaxOptimization #FinancialGrowth #SelfDirectedInvesting #PortfolioManagement

?? Black Friday boost! We’re rolling out something special: our new annual plans with 30% OFF! We designed these plans to make smarter investing more accessible for everyone. Our ?subscriptions include: ?Personalized investment recommendations ?Continuous tax optimization suggestions ?Fee visualization across all your accounts Here’s a quick look at the savings: ??Gold Plan: $20/mo (billed annually) – Save $108/year ??Platinum Plan: $69/mo (billed annually) – Save $360/year This is about more than just savings—it’s a step toward simplifying financial decisions and empowering better outcomes.?? Thrilled to share this update! The offer is live now—check it out and share thoughts. ?? ??Learn more here: bit.ly/4ia0IqM

Tax-Loss Harvesting Myths: Debunking common misconceptions ?? When it comes to tax-loss harvesting, many investors have misconceptions that can hold them back from fully benefiting from this powerful strategy. Let’s break down the most common myths and get to the truth about how tax-loss harvesting can boost your investment strategy, all year long. Myth #1: "Tax-Loss Harvesting is only for the end of the year" ? Many people believe tax-loss harvesting is a strategy that’s only useful in December. While it’s true that year-end is a popular time to harvest losses, the reality is that you can benefit from tax-loss harvesting throughout the year. By monitoring your portfolio consistently, you can act when opportunities arise, capturing tax-saving benefits far earlier than waiting until the year’s end. Myth #2: "Tax-Loss Harvesting is too complicated" ? The complexity of tax-loss harvesting often deters investors from using it. But with today’s tools, like PortfolioPilot, tax-loss harvesting is simpler than ever. These tools automate the process, flagging potential tax-saving opportunities and making it easier to adjust your portfolio without needing to be a tax expert. The idea that it’s too difficult is a myth of the past. #TaxLossHarvesting #SmartInvesting #MythBusting #InvestmentStrategy #TaxOptimization

Tax-Loss Harvesting: Tips to maximize your savings ???? Tax-loss harvesting doesn’t have to be complicated or a last-minute strategy. In fact, it can be a year-round opportunity that boosts your portfolio’s efficiency. Here are some of the best tips to make tax-loss harvesting work for you: ?? Harvest throughout the year Waiting until December could mean missing out on valuable opportunities. By monitoring your portfolio regularly, you can identify tax-saving opportunities as they arise, not just at year-end. It’s about consistently taking advantage of market volatility, rather than waiting for the end of the year. ?? ?? Use losses to offset income Did you know that even if you haven’t made capital gains, you can still use tax-loss harvesting to reduce your taxable income? Up to $3,000 in losses can be applied directly toward your income, lowering your tax bill. This works for even the most “boring” investors who invest in the same assets year after year. ?? ?? Avoid the wash sale rule: The wash sale rule can be a confusing barrier. But here’s the trick: you can’t buy the same or "substantially identical" security within 30 days of selling it. To avoid this, use tools like PortfolioPilot, which help you find similar but non-identical assets to replace your losses instantly. It’s all about staying on top of this to prevent triggering the wash sale rule. ?? ???? Automate with tools: Tax-loss harvesting has traditionally been a complex task, but with automated tools like PortfolioPilot, it’s now easier than ever. These tools track your entire portfolio, flagging opportunities as they come up and automating the process so you don’t miss a thing. Automation means less stress and more savings! ??? ?? Look at your entire net worth: Tax-loss harvesting isn’t just for one account—it’s about your entire financial picture. Don’t forget that tax-loss harvesting opportunities can appear in multiple accounts, even outside of your main brokerage. Keep an eye on your whole net worth to capture these opportunities across all your holdings. ??Tax-loss harvesting is a smart strategy, not just for the end of the year, but throughout. Don’t wait—take advantage of it now and see how it can boost your returns! ?? #TaxLossHarvesting #Investing #FinancialStrategy #SelfDirectedInvesting #TaxOptimization #SmartInvesting

???? Overlooking beneficiary designations can unravel well-laid financial plans. ?? Many assume beneficiary information is “set and forget,” but life changes—like marriage, divorce, or family additions—can make old designations obsolete. Without updates, assets may bypass loved ones or end up entangled in costly legal processes. ? Why is this so important? A quick review safeguards assets and ensures they go to the right people, honoring the intent behind years of saving and planning. ?? Keeping beneficiary designations current is a simple but crucial way to protect both wealth and wishes for loved ones. #FinancialPlanning #EstatePlanning #WealthManagement #LegacyPlanning #Beneficiaries #AssetProtection

???? Missing out on automated savings and investing can quietly derail financial goals. ?? Relying on manual deposits often leads to inconsistent contributions, making it harder to build long-term wealth. Without an automated approach, life’s day-to-day expenses tend to take priority, pushing saving and investing to the back burner. ? Why is this important? Automating savings and investments ensures consistency—whether it’s setting up recurring deposits into a retirement account or a regular transfer into a high-yield savings account. By “paying yourself first,” automation helps maximize compounding and reduces the temptation to spend. ?? Automating financial contributions keeps the momentum going, so goals stay on track without constant oversight. ?? Set it and forget it! Building wealth often comes down to disciplined habits, and automation makes those habits easy and sustainable. #AutomateYourSavings #SmartInvesting #FinancialDiscipline #WealthBuilding #SavingsTips #FinancialFreedom