#financialadvisor — Public Fediverse posts

Austin's Quiet Moat

Opportunity Austin says the region is strong, resilient, outperforming peers. 30 years in, that lines up with what I see here.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://www.pnwadvisory.com/?utm_source=mastodon&utm_medium=social&utm_campaign=organic

2026 Roth Catch-Up Rule: How High Earners Must Change Their Retirement Math

The 2026 retirement rule that's about to blindside high earners? If you made over $150,000 last year, your catch-up contributions MUST be Roth starting January 1st.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/2026-roth-catch-up-rule-how-high-earners-must-change-their-retirement-math

Life Insurance Exit Planning: How the Right Structure Adds Millions to Business Sales

Most business owners planning exits overlook a significant opportunity. Last month, I reviewed an Austin manufacturer's "exit-ready" $8M company.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/life-insurance-exit-planning-how-the-right-structure-adds-millions-to-business-s

Most IRA Moves Business Owners Must Make Before April 15: 3 Critical Tax Strategies

Most business owners focus on business deductions and miss the retirement account moves that cut their personal tax bill. With April 15 approaching, here are 3 critical moves you can't afford to miss:

→ Traditional IRA contributions: Up to...

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-ira-moves-business-owners-must-make-before-april-15-3-critical-tax-stra

Why Most OBBBA Tax Changes: 3 Hidden Wins Most Advisors Haven't Told You

Most business owners still don't know about the three biggest tax wins buried in the OBBBA. I've been reviewing these changes with clients for months.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-obbba-tax-changes-3-hidden-wins-most-advisors-havent-told-you

3 Deal Terms That Matter More Than Purchase Price for Business Owners

Here is how to negotiate a business sale so you keep more of what you earn. A founder came to me six months before closing a $14M deal.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/3-deal-terms-that-matter-more-than-purchase-price-for-business-owners

Why Most AI Task Reshuffling: How Business Owners Can Get Ahead of Workforce Changes

Here is how I spot AI reshuffling your team before it hits valuation. Morgan Stanley: young workers in high-exposure roles, up 1.1pp since 2023.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-ai-task-reshuffling-how-business-owners-can-get-ahead-of-workforce-chan

Why Most AI Exit Strategy: How Technology Separates $5M From $15M Business Sales

Here's how AI is separating the $5M exits from the $15M exits, before the market recovers. The businesses implementing AI systems right now are positioning themselves for 3x higher valuations when conditions improve.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-ai-exit-strategy-how-technology-separates-5m-from-15m-business-sales

Why Most Founder Financial Planning Blind Spots That Cost Millions

Here's what 35 years of watching founders exit taught me about the blind spots that cost them the most. The same brilliant minds who scale businesses to $100M often make devastating mistakes with their own wealth.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-founder-financial-planning-blind-spots-that-cost-millions

Why Most Earn-Out Exit Strategy: Why 35 Years Taught Me These Deals Are Your Best Friend

Here's what 35 years taught me about earn-outs: they're not deal killers anymore--they're wealth protectors. Earn-outs rose to 40% of mid-market deals in 2025.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-earn-out-exit-strategy-why-35-years-taught-me-these-deals-are-your-best

Business Valuation: Stop Confusing Busy Companies With Valuable Ones

The difference between a $2M exit and a $8M exit isn't revenue. I see this every week with Austin business owners.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/business-valuation-stop-confusing-busy-companies-with-valuable-ones

Why Most Business Exit Planning Lessons: What I Learned Watching Owners Lose Millions

After 35 years in wealth advisory, the #1 lesson is this: the most expensive mistakes happen when business owners think they can navigate their exit alone. One year ago, I watched three different business owners make decisions that cost them...

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-business-exit-planning-lessons-what-i-learned-watching-owners-lose-mill

April 2 Auto Tariffs: What Business Owners Need to Know Before Their Next Deal

Here's what the April 2 auto tariffs actually mean for your business value:

J. Morgan projects auto prices could rise up to 11.4% under the new 25% tariff.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/april-2-auto-tariffs-what-business-owners-need-to-know-before-their-next-deal

5 Things $10M+ Business Owners Get Wrong About Private Equity in 401(k)s

45% of employees want private equity in their 401(k)s. But I'm seeing $10M+ business owners make the same 5 costly mistakes when they add these options.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/5-things-10m-business-owners-get-wrong-about-private-equity-in-401ks

A client came to me with $12M and one question: Am I ready?

A client came to me with $12M and one question: "Am I ready to sell?"

I've heard this 32+ years. But here's what most business owners don't realize, the question itself is the problem.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/a-client-came-to-me-with-12m-and-one-question-am-i-ready

Why Most Everyone Says Max Out Your 401k. Here's Why That's Costing Business Owners $500,000+

Everyone says "max out your 401k" to business owners. Here's the math that should terrify you.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-everyone-says-max-out-your-401k-heres-why-thats-costing-business-owners

I sold 200+ businesses. Here's what nobody tells you about family buy-in.

I just watched a $20M deal almost collapse because of one conversation. With a spouse who asked: "What happens to the kids' college funds if this falls through?"

That question revealed the real problem.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/i-sold-200-businesses-heres-what-nobody-tells-you-about-family-buy-in

Why Most Everyone says cash is safe. Here's why that's costing investors $trillions

I've watched $6 trillion sit on the sidelines while the market climbed. Business owners keep asking me: "Should I wait for the crash before investing?"

Here's the math that changed my mind about "safe" cash:

→ $1M in savings at 4.5% = $45K...

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-everyone-says-cash-is-safe-heres-why-thats-costing-investors-trillions

Your Company Has a Plan. Do You?

Every founder I work with has a pitch deck, a roadmap, and a cap table. Almost none of them have a personal planning timeline that matches their company's stage.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/your-company-has-a-plan-do-you

Here's what the AI revolution actually means for your business value

My client sold for 8.2x revenue.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/heres-what-the-ai-revolution-actually-means-for-your-business-value

5 Things $10M+ Business Owners Get Wrong About AI Adoption

5 things $10M+ business owners get wrong about AI adoption, and the framework I use with my clients to get it right.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/5-things-10m-business-owners-get-wrong-about-ai-adoption

A client came to me with $4M and one question: Why am I losing money?

The $4 Million Reality Check

John walked into my office with the confidence of a man who'd just sold his HVAC company for $4 million. After 22 years of 6 AM service calls and weekend emergencies, he thought he'd finally made it.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/a-client-came-to-me-with-4m-and-one-question-why-am-i-losing-money

Why Most Everyone says 83(b) elections don't matter. Here's why that costs founders $500K+ at exit

The 30-Day Mistake That Can Cost Founders Half a Million Dollars

Here's what happened to a client of mine last month. Sarah started her SaaS company two years ago, got founder equity, and never made the 83(b) election.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-everyone-says-83b-elections-dont-matter-heres-why-that-costs-founders-5

Stop Waiting to Plan Your Exit. Do This 5 Years in Advance.

As a seasoned wealth advisor, I've often seen business owners wait too long to start planning their exit strategy. But the most successful ones start planning at least five years in advance.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/exit-planning/?utm_source=blog&utm_medium=organic&utm_campaign=organic

Everyone is talking about estate tax solutions. Here's what it means for your wealth

The estate tax rules just changed. They changed permanently.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/everyone-is-talking-about-estate-tax-solutions-heres-what-it-means-for-your-weal

Why Most Business Owners Fire Their Financial Advisor Within 3 Years

The Relationship Looks Fine on Paper. You did everything right.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/why-most-business-owners-fire-their-financial-advisor-within-3-years

6 Numbers Every Business Owner Needs Before Selling

You Know Your Revenue. You Know Your Profit.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://pnwadvisory.com/insights/5-signs-youve-already-waited-too-long-to-plan-your-exit

5 Signs You've Already Waited Too Long to Plan Your Exit

I'm going to be direct with you because nobody else will. If you're reading this and you haven't started planning your exit, you're already behind.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://www.pnwadvisory.com

Your Wealth Advisor Doesn't Understand Your Business. That Should Terrify You.

Your Wealth Advisor Doesn't Understand Your Business. That Should Terrify You.

#WealthManagement #ExitPlanning #FinancialAdvisor
https://www.pnwadvisory.com

The 6 Numbers That Determine What Your Business Is Actually Worth

I’m Douglas Greenberg, a financial advisor at Pinnacle Wealth Advisory, and today I want to discuss a critical aspect of exit planning that often goes overlooked by business owners: understanding what your business is truly worth. Many entrepreneurs can recite their annual revenues and profit margins by heart, but few actually comprehend the real...

#WealthManagement #ExitPlanning #FinancialAdvisor
https://www.pnwadvisory.com

"Should you use AI for financial advice?

Andrew Lo, a finance professor at the Massachusetts Institute of Technology’s Sloan School of Management, says not yet. Large language models like Copilot or ChatGPT aren’t suited to being used as financial advisers because they are the digital equivalent of sociopaths—smooth, persuasive and devoid of empathy.

If an adviser powered by artificial intelligence “is able to communicate both good and bad financial advice with the same pleasant and convincing affect, its clients will rightfully view this as a problem,” Lo and one of his graduate students, Jillian Ross, wrote in 2024 in an article for the Harvard Data Science Review. (Today’s robo advisers, like those offered by Betterment and Wealthfront, went into action before the era of large language models and aren’t built on them for the most part, so Lo’s critiques don’t apply to them.)

Still, people are already using AI tools for help with their finances.
This past August, a survey of 11,000 individual investors in 13 countries commissioned by eToro, a trading and investment platform, found that 19% were already using ChatGPT-style AI tools to manage their portfolios, up from 13% in 2024.
(...)
Despite his reservations about current AI models, Lo believes that large language models will eventually be able to help investors—especially people with small accounts and limited experience with investing. In fact, he is working to build one that is specialized for financial advice. He doesn’t plan to charge for it, he says.

Lo’s goal is to develop an AI financial adviser that is a true fiduciary—namely, an entity that always puts the client’s interests first and tailors its advice to their particular needs, including emotional needs. He thinks it will take something less than four more years."

https://www.wsj.com/tech/ai/ai-chatbot-financial-advice-mit-2dc76348

#AI #RoboAdvisors #FinancialAdvisor #Chatbots #Sociopathy #FinancialEthics

Ah, the classic “blame the regulator” routine, as if Lina Khan personally programmed the Roomba to eat our stock portfolios. 🤑 Meanwhile, we're all stuck in an endless loop of enabling JavaScript just to read why our robot vacuum is now a financial advisor. 🤖💸
https://www.thebignewsletter.com/p/how-wall-street-ruined-the-roomba #blameTheRegulator #RoombaInvestments #JavaScriptLoop #financialAdvisor #techHumor #HackerNews #ngated

The Money Doctor
2024, Crime - 32 min

https://topdocumentaryfilms.com/money-doctor

This is a #documentary that explores the story of #NeilGallagher, a #financialadvisor who exploited the trust of his mostly #Christian clientele in #FortWorth, #Texas. Gallagher, nicknamed the "#MoneyDoctor," positioned himself as a devout Christian and used #faithbased #marketing to attract and gain the trust of his clients.

Can anyone recommend a financial advisor in Dublin? Someone you worked with that you liked? #financialadvice #financialadvisor

Gemini Forms Creditors Committee With Houlihan Lokey to Resolve Genesis Liquidity Issues - Roughly two weeks ago a report from the Financial Times (FT) claimed Genesis Globa... - https://news.bitcoin.com/gemini-forms-creditors-committee-with-houlihan-lokey-to-resolve-genesis-liquidity-issues/ #genesisliquidityissues #houlihanlokeyadvisor #cameronwinklevoss #pausedwithdrawals #financialadvisor #cryptoexchange #geminiexchange #houlihanlokey #restructuring #databaseleak #earnprogram #genesis

Hi everyone! I’m an investing and financial planning columnist at MarketWatch. I’m interested in all things related to money, which is basically everything. Where are my #CFP #CPA #enrolledagents #taxes #insurance #investing #personalfinance #financialplanning #financialadvisor #economics #money #banking folks to connect with?

Did some adulting to start moving retirement stuff around. It is a terrifying and harrowing experience when you find out everything relies on paper and security questions.

Glad I have someone to walk me through it and tell me that, yes, this sounds awful but it’s normal.

#financialadvisor #securitynightmares

American Express taps startup BodesWell for expansion into financial planning - American Express is branching out into financial planning, with a little help from... - http://feedproxy.google.com/~r/Techcrunch/~3/kTophFMlF-A/ #financialadvisor #americanexpress #fundings&exits #venturecapital #startupcompany #recentfunding #brianhalligan #cleocapital #startups #finance #funding #fintech #kintent #planner #startup #boston #money #amex #tc

Money Minx aims to build a ‘Personal Finance’ OS for the everyday investor - New regulations are making it easier to invest in alternative assets via crowdfund... - http://feedproxy.google.com/~r/Techcrunch/~3/ax6sjZ2cYDs/ #artificialintelligence #entrepreneurship #financialadvisor #cryptocurrency #startupcompany #cryptoeconomy #crowdfunding #moneyminx #startups #sandiego #truebill #finance #fintech #startup #money #apps #saas #tc

SunCulture wants to turn Africa into the world’s next bread basket, one solar water pump at a time - The world’s food supply must double by the year 2050 to meet the demands from a growing population, ... - http://feedproxy.google.com/~r/Techcrunch/~3/AOiDuhgsZnw/ #alternativeenergy #newyorkuniversity #financialadvisor #renewableenergy #unitednations #unitedstates #agriculture #electricity #solarenergy #co-founder #eastafrica #foodsupply #solarpower #economist #foodwaste #articles

Road trippers can rejoice as RVshare raises over $100 million to grow its RV rental business - As continentally confined Americans look for domestic vacation options that won’t expose them to too... - http://feedproxy.google.com/~r/Techcrunch/~3/F0RIUq4SvwI/ #recreationalvehicle #financialadvisor #darktrace #outdoorsy #camping #cabana #zwift #tc

LA gets a big SAAS exit as Fastly nabs the Culver City-based Signal Sciences for $775M - Los Angeles was always more than a one industry town, even when it comes to technology startups, but... - http://feedproxy.google.com/~r/Techcrunch/~3/J_fk_8nKMa8/ #o\\reillyalphatechventures #chiefexecutiveofficer #unionsquareadvisors #financialadvisors #financialadvisor #internetsecurity #qatalystpartners #socialnetworking #leadedgecapital #signalsciences #chaddickerson #harrisonmetal #joshuabixby

In a sign of digital health’s rise, Livongo and Teladoc Health agree to $18.5 billion merger - In a sign of the growing importance and value of digital healthcare in the world of medicine, two of... - http://feedproxy.google.com/~r/Techcrunch/~3/wUGebSBUZcw/ #chiefexecutiveofficer #digitalhealthcare #financialadvisor #morganstanley #telemedicine #unitedstates #healthcare #technology #telehealth #articles #diabetes #medicare #livongo #health #lazard #chair #tc

Negotiate for ‘better’ stock in equity-funded acquisitions - Timothy R. Bowers
Contributor

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Ti... more: http://feedproxy.google.com/~r/Techcrunch/~3/1EcZiChbVlU/ #u.s.securitiesandexchangecommission #mergersandacquisitions #financialadvisor #fundings&exits #venturecapital #preferredstock #stockmarket #startups #column #equity #money #stock

A16z ushers in new fund strategy with $2.75B - Axios reported this morning that Andreessen Horowitz, the storied venture capital firm with investme... more: http://feedproxy.google.com/~r/Techcrunch/~3/T1AeoYkqP1w/ #andreessenhorowitz #entrepreneurship #financialadvisor #venturecapital #angelastrange #shondarhimes #andreessen #conniechan #katiehaun #buzzfeed #coinbase #advisor #economy #finance #airbnb #money #gps

Startups Weekly: US companies raised $30B in Q1 2019 - Let’s start this week’s newsletter with some data. Nationally, startups pulled in $30.8 billion in t... more: http://feedproxy.google.com/~r/Techcrunch/~3/0cZ2OrkdVR0/ #financialadvisors #entrepreneurship #financialadvisor #editor-in-chief #meganrosedickey #venturecapital #micheleromanow #startupcompany #privateequity #hoteltonight #kaporcapital #unitedstates #alexwilhelm #co-founder #techcrunch #clearbanc #startups #money