How do the various RIAs out there access alternative investments? I’m sure most use iCapital/CAIS but has anyone heard of +Subscribe?

Should I stop contributing to my 401K and put all my energy into paying off my student loan? Right now it's unconsolidated so there are rates between 3-6% and it's 20k.

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

My wife wants to move out of state. I'm in my 6th year...500 clients and finally starting to make some money. How bad of an idea is it to sell my book and buy a book in a new state?

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Quick question: Can we ask HR to revise pf contribution to minimum which is 1800/month

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

With the market pushing higher to mostly ath this week, are you keeping cash reserves for a slight pull back or putting money in the market today?

Make 72k with not a lot savings at the moment since I am new in the workforce. Any advice on how to break into real estate.
Also already own a primary residence.

I’m an authorized user on my parent’s Citi AA Executive card to get the AA lounge access. However, they consistently go over 30% of credit usage / sometimes over credit limit (cont.)

I am sure this is a question with an obvious answer, but does anyone else just feel absolutely trapped in a job they hate because of their student loans? I’m three years out of law school and I still have $160K in student debt despite making aggressive payments. I work in a larger firm (not big law per se, but 250+ attorneys and big for the market). I am pretty unhappy with my job the vast majority of the time, but I feel like I have no options. $160k at 6% and 7% interest cannot be ignored.

Anyone hitting freehold tonight? Low key would like to link with folks on here because Me and my girl just got attacked by realtors last week lol

Have you received the salary today? Got the mail now but no credit yet in account 😕

HYSA anyone recommends?

Trading Event Sponsorship for Party Rentals! Hey everyone - as a nonprofit we are having an upcoming event and having sponsors for it. We don’t have a huge budget so we are looking to ‘trade’ these sponsorships for table/chair rentals. Since we are a nonprofit are we able to give them the deduction value to claim on their taxes?

Thoughts on inviting co-workers to your wedding? I joined a new team a year ago during the pandemic and haven’t met them in person - I’ve developed some cordial working relationships but not sure if I’d consider them wedding close! Any thoughts or advice?

Iceland in Mid April
1) recommended with a 2.5 year old?
2) hotels to stay in - any good Marriott properties?
3) must do

I am thinking of traveling from VA to NYC and NYC to Montreal, then Toronto to Michigan and then back to VA from michigan from Oct to mid November.. Any recommendations for scenic drives ( fall colors) or attractions along the way...can I see Northern lights in Canada at that time of the year?

Thinking of heading to Maui (for the first time) for thanksgiving and seeking recommendations for a hotel (considering Ritz but open to others) and things to do. TIA!!

Guys, seeing a trend of rolling out offer letter only few days before our last working day.
Any idea why this is being done?

Currently iam working as a Senior analyst in operations. However, is it good to go for Data analytics rather than continuing in the same Supply Chain field?

Hi,
I have 7 YOS experience, I have two below offers:
Society Generale - 21.8 LPA(Fixed excluding EPF & Gratuity) + 5Lacs(Variable)
Encora - 23.5LPA(Fixed excluding EPF & Gratuity))

How the job security in both and which one is good to join? Please suggest.

Hello,

How much should I target in the market with following:

YOE: 3.9 years (first job)

Data scientist

CCTC: 9.5 FIXED

Offer in hand :18+1(variable) I'm confused about should I stop here or try more? 40 days on notice period left.

Thoughts on AdEx ?

Any of you in FinTech coverage? Part of TMT or FIG?

I was working in IT but my role tag was BPS. How much time it will take to get my role tag changed. It's been 1.4 years since I joined the company. Any suggestions?

Any junior strategy positions open in NY?

Got an offer from pwc in the data privacy role.
With 13.5 Lpa currently i’m at 12 and made switch on march.
Though my current company is an mnc but not that big and no work pressure is there, amazing work life balance. However, there is little to no learning and its very slow, the project is just starting and the client itself is not clear what they want. Do you think I should switch just because its a big 4. Please help me decide. Yoe -3.5

Hey folks, does anyone know about a company called V2 Consulting? India based company, works on Salesforce projects.

Is there a paper or hardware wallet for smaller coin like factom/golem/stratis??!!

Recently was informed that my salary will be increasing and was asked to sign a Confidentiality and Assignment of Inventions Agreement.

Anyone experience this before? Is it pretty typical?

Any advice for someone in the middle of a merger?

Any thoughts on TD Ameritrade Institutional as a custodian? Used to NFS/Fidelity, TDA seems much more efficient and user friendly.

Anyone charging for held away assets?
How are you positioning this? Do you charge the same amount as assets under management or is it lower?

Anyone use SmartAsset for leads? Any success?

Our goal is to add advisors since we are in a growth mode across the US in twelve offices. We’re offering culture, significant payouts, succession planning, and more. RSVP to Connie.

What’s it cost to work with an attorney when leaving a firm?

We are going to start providing social media posts our marketing team created, mostly non-branded and you are able to auto-schedule them. No cost to use, specifically for our RIA’s who don’t get...

Are any RIAs charging for maddening 529 plans? If so, how?

Average salary for a Senior Associate who’s in the process of getting their CFP?

I am seeking Financial Advisors with established books who would like to explore independence. Independent Registered Investment Advisors (RIAs) are professional independent advisory firms that provide personalized financial advice to their clients. We are registered with either the Securities and Exchange Commission or state securities regulators. Independent advisors are trusted with over $5 trillion of their clients’ wealth. All queries will be held in strict confidence.

How do you advertise?

What is your experience with The Bill Good Marketing system?

Do we need to do anything special to accept international investors?

Working for a small RIA on 1099. I receive about 80% payout AUM and the firm covers port mgmt, marketing, and a client service rep. However no other benefits such as office, health, 401k, bonus. Stay?

My wife left her job that provided us health insurance for a reasonable rate. So I’m finding myself searching for some reasonable alternatives. What are you guys doing? Any cooperatives?? Or what??

At what point do you fire a client? I have a 49 yr old client w/drawing $50K out of a $72K IRA (trad) to “pay off her home”, a move I completely disagree with/advise against.

Anyone with experience using a VA that serves financial advisors specifically? We are considering outsourcing some of our administrative tasks.

Looking to refer a friend in the Las Vegas area to an independent advisor for term insurance and basic retirement planning.

Do CFP CPA CFA and MBA make that big of a difference in the RIA world? I’ve seen very successful individuals with all 3 and without any at all