Michael Reynolds, CFP®
@michaelrey.bsky.social
CERTIFIED FINANCIAL PLANNER™ (CFP®) Fiduciary Financial Planning & Investment Management. 🎙️ Host of Wealth Redefined®️: http://elevationfinancial.com/podcast
According to my AI note taker, I had a lot of meetings this year!
December 9, 2025 at 8:13 PM
According to my AI note taker, I had a lot of meetings this year!
The latte factor is overblown ☕️
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
December 5, 2025 at 3:08 PM
The latte factor is overblown ☕️
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
Not all meaningful gifts come from stores.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
December 4, 2025 at 8:13 PM
Not all meaningful gifts come from stores.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
A Donor Advised Fund (DAF) is a great way to "de-couple" the timing of the giving from its tax deduction.
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
December 3, 2025 at 3:08 PM
A Donor Advised Fund (DAF) is a great way to "de-couple" the timing of the giving from its tax deduction.
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
Key Financial Numbers for 2026 – What Changed and What It Means for You www.elevationfinancial.com/key-financia...
Key Financial Numbers for 2026 – What Changed and What It Means for You
Staying ahead of the numbers that affect your financial planning can save you money and stress. As we move into 2026, several important contribution limits, tax brackets, and thresholds have been…
www.elevationfinancial.com
December 2, 2025 at 8:13 PM
Key Financial Numbers for 2026 – What Changed and What It Means for You www.elevationfinancial.com/key-financia...
Happy Thanksgiving!
November 27, 2025 at 2:15 PM
Happy Thanksgiving!
What is a Roth Conversion (and How Do I Use It)? www.elevationfinancial.com/what-is-a-ro...
What is a Roth Conversion (and How Do I Use It)?
A Roth conversion can be a powerful tool in your financial planning toolkit. But like most financial strategies, it's not right for everyone, and the timing matters considerably.
www.elevationfinancial.com
November 25, 2025 at 8:13 PM
What is a Roth Conversion (and How Do I Use It)? www.elevationfinancial.com/what-is-a-ro...
To calculate your Liquid Term, use the following formula:
Liquid Term = (Total Liquid Assets / Total Annual Expenses)
For example, if your total liquid assets are $50,000 and your annual expenses total $100,000, then your Liquid Term would be 0.5 (6 months).
Liquid Term = (Total Liquid Assets / Total Annual Expenses)
For example, if your total liquid assets are $50,000 and your annual expenses total $100,000, then your Liquid Term would be 0.5 (6 months).
November 22, 2025 at 8:13 PM
To calculate your Liquid Term, use the following formula:
Liquid Term = (Total Liquid Assets / Total Annual Expenses)
For example, if your total liquid assets are $50,000 and your annual expenses total $100,000, then your Liquid Term would be 0.5 (6 months).
Liquid Term = (Total Liquid Assets / Total Annual Expenses)
For example, if your total liquid assets are $50,000 and your annual expenses total $100,000, then your Liquid Term would be 0.5 (6 months).
Liquid Term measures how long you can operate just on liquid assets.
This includes bank accounts and non-retirement investment accounts.
Higher Liquid Term gives you flexibility and freedom.
Are you prepared for unexpected expenses?
This includes bank accounts and non-retirement investment accounts.
Higher Liquid Term gives you flexibility and freedom.
Are you prepared for unexpected expenses?
November 21, 2025 at 3:08 PM
Liquid Term measures how long you can operate just on liquid assets.
This includes bank accounts and non-retirement investment accounts.
Higher Liquid Term gives you flexibility and freedom.
Are you prepared for unexpected expenses?
This includes bank accounts and non-retirement investment accounts.
Higher Liquid Term gives you flexibility and freedom.
Are you prepared for unexpected expenses?
You don't need to have just one "emergency fund" to be financially stable.
I think it makes more sense to focus on a healthy Liquid Term.
But it can be spread across different types of liquidity.
Bank accounts, brokerage, treasuries, etc.
I think it makes more sense to focus on a healthy Liquid Term.
But it can be spread across different types of liquidity.
Bank accounts, brokerage, treasuries, etc.
November 20, 2025 at 8:13 PM
You don't need to have just one "emergency fund" to be financially stable.
I think it makes more sense to focus on a healthy Liquid Term.
But it can be spread across different types of liquidity.
Bank accounts, brokerage, treasuries, etc.
I think it makes more sense to focus on a healthy Liquid Term.
But it can be spread across different types of liquidity.
Bank accounts, brokerage, treasuries, etc.
Submitted without comment...
November 19, 2025 at 3:08 PM
Submitted without comment...
How to Use the "Rule of 55" for Early Retirement www.elevationfinancial.com/how-to-use-t...
How to Use the "Rule of 55" for Early Retirement
Most people believe their retirement accounts are completely off-limits until age 59½. But there are several ways to access your retirement funds earlier, including something called the Rule of 55.
www.elevationfinancial.com
November 18, 2025 at 8:13 PM
How to Use the "Rule of 55" for Early Retirement www.elevationfinancial.com/how-to-use-t...
A Donor Advised Fund (DAF) is a great way to "de-couple" the timing of the giving from its tax deduction.
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
November 17, 2025 at 3:08 PM
A Donor Advised Fund (DAF) is a great way to "de-couple" the timing of the giving from its tax deduction.
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
Credit card debt can be a major financial burden.
I've seen it cause significant damage to people's lives.
Focus on paying it off as quickly as possible.
I've seen it cause significant damage to people's lives.
Focus on paying it off as quickly as possible.
November 16, 2025 at 8:13 PM
Credit card debt can be a major financial burden.
I've seen it cause significant damage to people's lives.
Focus on paying it off as quickly as possible.
I've seen it cause significant damage to people's lives.
Focus on paying it off as quickly as possible.
Avoiding probate is not just about cost and convenience.
It's about security.
Do you want anyone in the world to know who is receiving money upon your death?
This can make them a target for scammers and fraudsters.
It's about security.
Do you want anyone in the world to know who is receiving money upon your death?
This can make them a target for scammers and fraudsters.
November 15, 2025 at 8:13 PM
Avoiding probate is not just about cost and convenience.
It's about security.
Do you want anyone in the world to know who is receiving money upon your death?
This can make them a target for scammers and fraudsters.
It's about security.
Do you want anyone in the world to know who is receiving money upon your death?
This can make them a target for scammers and fraudsters.
A budget is a reflection of your priorities.
November 14, 2025 at 3:08 PM
A budget is a reflection of your priorities.
Emotional investing is dangerous.
Making decisions based on fear or greed can lead to poor outcomes.
Keep emotions in check and stick to your strategy.
Making decisions based on fear or greed can lead to poor outcomes.
Keep emotions in check and stick to your strategy.
November 13, 2025 at 8:13 PM
Emotional investing is dangerous.
Making decisions based on fear or greed can lead to poor outcomes.
Keep emotions in check and stick to your strategy.
Making decisions based on fear or greed can lead to poor outcomes.
Keep emotions in check and stick to your strategy.
It can be tempting to want to run your personal budget like a business.
Rigid. Fixed.
And in some ways, this can be helpful.
But personal spending doesn't work the same way in real life.
You have to be willing to allow flexibility and "flow" with your personal budget.
Rigid. Fixed.
And in some ways, this can be helpful.
But personal spending doesn't work the same way in real life.
You have to be willing to allow flexibility and "flow" with your personal budget.
November 12, 2025 at 3:08 PM
It can be tempting to want to run your personal budget like a business.
Rigid. Fixed.
And in some ways, this can be helpful.
But personal spending doesn't work the same way in real life.
You have to be willing to allow flexibility and "flow" with your personal budget.
Rigid. Fixed.
And in some ways, this can be helpful.
But personal spending doesn't work the same way in real life.
You have to be willing to allow flexibility and "flow" with your personal budget.
How Donating Appreciated Stock to Charity Can Save You Thousands in Taxes www.elevationfinancial.com/how-donating...
How Donating Appreciated Stock to Charity Can Save You Thousands in Taxes
If you're charitably inclined and have investments in a taxable brokerage account, you might be leaving significant tax savings on the table. Most people automatically reach for their checkbook or…
www.elevationfinancial.com
November 11, 2025 at 8:13 PM
How Donating Appreciated Stock to Charity Can Save You Thousands in Taxes www.elevationfinancial.com/how-donating...
We want investing to be exciting, sexy, and entertaining.
But the reality is that winning at investing comes from following a disciplined strategy and staying focused over a long period of time.
So don't let recency bias derail your investment plan.
But the reality is that winning at investing comes from following a disciplined strategy and staying focused over a long period of time.
So don't let recency bias derail your investment plan.
November 8, 2025 at 8:13 PM
We want investing to be exciting, sexy, and entertaining.
But the reality is that winning at investing comes from following a disciplined strategy and staying focused over a long period of time.
So don't let recency bias derail your investment plan.
But the reality is that winning at investing comes from following a disciplined strategy and staying focused over a long period of time.
So don't let recency bias derail your investment plan.
Hey! I'm excited to be featured in this article from InvestmentNews on integrating AI and crypto exposure into portfolios.
www.investmentnews.com/equities/thu...
www.investmentnews.com/equities/thu...
Advisors reflect on AI and crypto outlooks after endowment study shows outperformance
Wealth managers weigh in on AI and crypto investing in the wake of a new study on endowment returns.
www.investmentnews.com
November 7, 2025 at 3:08 PM
Hey! I'm excited to be featured in this article from InvestmentNews on integrating AI and crypto exposure into portfolios.
www.investmentnews.com/equities/thu...
www.investmentnews.com/equities/thu...
Dreaming of your first home?
Did you know you can use up to $10,000 from your IRA penalty-free for a down payment if you're a first-time homebuyer?*
The IRS defines a "first-time homebuyer" as someone who has not owned a home during the past two years.
Many caveats apply*
Did you know you can use up to $10,000 from your IRA penalty-free for a down payment if you're a first-time homebuyer?*
The IRS defines a "first-time homebuyer" as someone who has not owned a home during the past two years.
Many caveats apply*
November 6, 2025 at 8:13 PM
Dreaming of your first home?
Did you know you can use up to $10,000 from your IRA penalty-free for a down payment if you're a first-time homebuyer?*
The IRS defines a "first-time homebuyer" as someone who has not owned a home during the past two years.
Many caveats apply*
Did you know you can use up to $10,000 from your IRA penalty-free for a down payment if you're a first-time homebuyer?*
The IRS defines a "first-time homebuyer" as someone who has not owned a home during the past two years.
Many caveats apply*
Should I Use My HELOC as an Emergency Fund? www.elevationfinancial.com/should-i-use...
Should I Use My HELOC as an Emergency Fund?
Using a HELOC as an emergency fund isn't always inherently wrong, but it's also not the straightforward optimization it might appear to be on the surface.
www.elevationfinancial.com
November 5, 2025 at 3:08 PM
Should I Use My HELOC as an Emergency Fund? www.elevationfinancial.com/should-i-use...