@jonluskin.bsky.social
"I want high investment returns and want to preserve principal."
Sorry.
That's not the way #investing works.
If anyone ever says they can do just that, run screaming in the other direction.
Sorry.
That's not the way #investing works.
If anyone ever says they can do just that, run screaming in the other direction.
December 15, 2025 at 5:03 PM
"I want high investment returns and want to preserve principal."
Sorry.
That's not the way #investing works.
If anyone ever says they can do just that, run screaming in the other direction.
Sorry.
That's not the way #investing works.
If anyone ever says they can do just that, run screaming in the other direction.
The most optimized investment plan won't save you if you haven't done your estate planning.
#investing
#investing
December 10, 2025 at 5:00 PM
The most optimized investment plan won't save you if you haven't done your estate planning.
#investing
#investing
A common sentiment is that parents want to leave a home to their children.
Yet, heirs almost always prefer liquid investments – those things that can be sold quickly and easily: cash, investments, etc.
An illiquid asset (such as real estate) is not ideal.
Yet, heirs almost always prefer liquid investments – those things that can be sold quickly and easily: cash, investments, etc.
An illiquid asset (such as real estate) is not ideal.
December 9, 2025 at 7:07 PM
A common sentiment is that parents want to leave a home to their children.
Yet, heirs almost always prefer liquid investments – those things that can be sold quickly and easily: cash, investments, etc.
An illiquid asset (such as real estate) is not ideal.
Yet, heirs almost always prefer liquid investments – those things that can be sold quickly and easily: cash, investments, etc.
An illiquid asset (such as real estate) is not ideal.
If you're behind when it comes to retirement savings, the solution probably is not to take more risk with your investments.
Rather, increase your savings rate (and/or plan to spend less in retirement).
You can't invest yourself out of a savings hole.
Rather, increase your savings rate (and/or plan to spend less in retirement).
You can't invest yourself out of a savings hole.
November 28, 2025 at 1:17 PM
If you're behind when it comes to retirement savings, the solution probably is not to take more risk with your investments.
Rather, increase your savings rate (and/or plan to spend less in retirement).
You can't invest yourself out of a savings hole.
Rather, increase your savings rate (and/or plan to spend less in retirement).
You can't invest yourself out of a savings hole.
Folks who create complicated investment plans may do so because they’re hoping to squeeze some extra juice out of their returns.
But, they’re more likely to get the opposite result.
Research shows that investors do better when they use all-in-one funds.
But, they’re more likely to get the opposite result.
Research shows that investors do better when they use all-in-one funds.
November 19, 2025 at 2:40 PM
Folks who create complicated investment plans may do so because they’re hoping to squeeze some extra juice out of their returns.
But, they’re more likely to get the opposite result.
Research shows that investors do better when they use all-in-one funds.
But, they’re more likely to get the opposite result.
Research shows that investors do better when they use all-in-one funds.
For most younger folks, the most valuable thing they own isn’t their house or their portfolio.
It’s their future earnings.
And when something is that valuable, it usually makes sense to protect it.
It’s their future earnings.
And when something is that valuable, it usually makes sense to protect it.
November 19, 2025 at 2:31 PM
For most younger folks, the most valuable thing they own isn’t their house or their portfolio.
It’s their future earnings.
And when something is that valuable, it usually makes sense to protect it.
It’s their future earnings.
And when something is that valuable, it usually makes sense to protect it.
I need a webcam that is:
- 4k
- tripod compatible (screw threads on the bottom to mount)
- *not* an ultra wide FOV (~73° or less)
Looking for recommendations!
(I tried the EMEET series in the past, but the ISO default setting is super high, very grainy/noisy.)
- 4k
- tripod compatible (screw threads on the bottom to mount)
- *not* an ultra wide FOV (~73° or less)
Looking for recommendations!
(I tried the EMEET series in the past, but the ISO default setting is super high, very grainy/noisy.)
November 17, 2025 at 5:40 PM
I need a webcam that is:
- 4k
- tripod compatible (screw threads on the bottom to mount)
- *not* an ultra wide FOV (~73° or less)
Looking for recommendations!
(I tried the EMEET series in the past, but the ISO default setting is super high, very grainy/noisy.)
- 4k
- tripod compatible (screw threads on the bottom to mount)
- *not* an ultra wide FOV (~73° or less)
Looking for recommendations!
(I tried the EMEET series in the past, but the ISO default setting is super high, very grainy/noisy.)
Today at 11 AM Pacific/2 PM Eastern!
I’ll be sharing my financial planning process with Members of the Garrett Planning Network (@GarrettPlanning).
I’ll be doing a special guest session at the GPN Member Meetup. Use the link below 👇
I’ll be sharing my financial planning process with Members of the Garrett Planning Network (@GarrettPlanning).
I’ll be doing a special guest session at the GPN Member Meetup. Use the link below 👇
November 17, 2025 at 4:00 PM
Today at 11 AM Pacific/2 PM Eastern!
I’ll be sharing my financial planning process with Members of the Garrett Planning Network (@GarrettPlanning).
I’ll be doing a special guest session at the GPN Member Meetup. Use the link below 👇
I’ll be sharing my financial planning process with Members of the Garrett Planning Network (@GarrettPlanning).
I’ll be doing a special guest session at the GPN Member Meetup. Use the link below 👇
Today @ 11 AM Pacific / 2 PM Eastern:
I’ll be doing a special guest session at a future GPN Member Meetup.
Garrett members can sign up at the link in the comments👇
I’ll be doing a special guest session at a future GPN Member Meetup.
Garrett members can sign up at the link in the comments👇
November 17, 2025 at 3:45 PM
Today @ 11 AM Pacific / 2 PM Eastern:
I’ll be doing a special guest session at a future GPN Member Meetup.
Garrett members can sign up at the link in the comments👇
I’ll be doing a special guest session at a future GPN Member Meetup.
Garrett members can sign up at the link in the comments👇
Editing my presentation on all-in-one funds from this year’s Bogleheads® conference.
Want to see my presentation – and everything else – from this year’s conference?
Be sure to subscribe to Bogleheads® on YouTube. Link in the comments
Want to see my presentation – and everything else – from this year’s conference?
Be sure to subscribe to Bogleheads® on YouTube. Link in the comments
November 15, 2025 at 3:43 PM
Editing my presentation on all-in-one funds from this year’s Bogleheads® conference.
Want to see my presentation – and everything else – from this year’s conference?
Be sure to subscribe to Bogleheads® on YouTube. Link in the comments
Want to see my presentation – and everything else – from this year’s conference?
Be sure to subscribe to Bogleheads® on YouTube. Link in the comments
When it comes to Social Security, delaying benefits is important – but not necessarily for tax planning purposes.
While there can be several tax benefits for delaying Social Security, it’s longevity risk that’s managed that’s most critical: a bigger benefit for as long as you live.
While there can be several tax benefits for delaying Social Security, it’s longevity risk that’s managed that’s most critical: a bigger benefit for as long as you live.
November 14, 2025 at 11:36 PM
When it comes to Social Security, delaying benefits is important – but not necessarily for tax planning purposes.
While there can be several tax benefits for delaying Social Security, it’s longevity risk that’s managed that’s most critical: a bigger benefit for as long as you live.
While there can be several tax benefits for delaying Social Security, it’s longevity risk that’s managed that’s most critical: a bigger benefit for as long as you live.
I made a trailer for the Bogleheads YouTube channel.
You can check it out - and subscribe to the channel.
Link in the comments 👇
You can check it out - and subscribe to the channel.
Link in the comments 👇
November 14, 2025 at 5:20 PM
I made a trailer for the Bogleheads YouTube channel.
You can check it out - and subscribe to the channel.
Link in the comments 👇
You can check it out - and subscribe to the channel.
Link in the comments 👇
Monday!
I'll be sharing my financial planning process - which I've done 450+ times - with members of the Garrett Planning Network (@GarrettPlanning).
Garrett members can sign up at the link below 👇
I'll be sharing my financial planning process - which I've done 450+ times - with members of the Garrett Planning Network (@GarrettPlanning).
Garrett members can sign up at the link below 👇
November 14, 2025 at 4:43 PM
Monday!
I'll be sharing my financial planning process - which I've done 450+ times - with members of the Garrett Planning Network (@GarrettPlanning).
Garrett members can sign up at the link below 👇
I'll be sharing my financial planning process - which I've done 450+ times - with members of the Garrett Planning Network (@GarrettPlanning).
Garrett members can sign up at the link below 👇
Curious what folks are using for social media queuing.
(I ask because I would not recommend Zoho.)
(I ask because I would not recommend Zoho.)
November 13, 2025 at 10:41 PM
Curious what folks are using for social media queuing.
(I ask because I would not recommend Zoho.)
(I ask because I would not recommend Zoho.)
The Planning Template for Financial Advisors is like having a senior advisor's knowledge base at your fingertips.
Browse common planning scenarios → Select what fits your client → Customize and deliver
Less time recreating guidance from scratch. More time serving families.
Link in comments 👇
Browse common planning scenarios → Select what fits your client → Customize and deliver
Less time recreating guidance from scratch. More time serving families.
Link in comments 👇
November 13, 2025 at 6:56 PM
The Planning Template for Financial Advisors is like having a senior advisor's knowledge base at your fingertips.
Browse common planning scenarios → Select what fits your client → Customize and deliver
Less time recreating guidance from scratch. More time serving families.
Link in comments 👇
Browse common planning scenarios → Select what fits your client → Customize and deliver
Less time recreating guidance from scratch. More time serving families.
Link in comments 👇
Another plan, another update:
Included in the next update of the Planning Template for Financial Advisors is more guidance on doing Roth conversions with heirs in mind.
Want your copy of the template?
Link in the comments 👇
Included in the next update of the Planning Template for Financial Advisors is more guidance on doing Roth conversions with heirs in mind.
Want your copy of the template?
Link in the comments 👇
November 12, 2025 at 5:19 PM
Another plan, another update:
Included in the next update of the Planning Template for Financial Advisors is more guidance on doing Roth conversions with heirs in mind.
Want your copy of the template?
Link in the comments 👇
Included in the next update of the Planning Template for Financial Advisors is more guidance on doing Roth conversions with heirs in mind.
Want your copy of the template?
Link in the comments 👇
7 days to go!
For members of the Garrett Planning Network (@GarrettPlanning), know that I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below:
For members of the Garrett Planning Network (@GarrettPlanning), know that I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below:
November 10, 2025 at 5:23 PM
7 days to go!
For members of the Garrett Planning Network (@GarrettPlanning), know that I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below:
For members of the Garrett Planning Network (@GarrettPlanning), know that I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below:
TIPS likely aren't required for #investing success.
Far more important is sticking with your investment plan.
And, the simpler your plan, the easier it is to stick with.
(That's why I love all-in-one funds; data shows that they're the easiest to stick with.)
Far more important is sticking with your investment plan.
And, the simpler your plan, the easier it is to stick with.
(That's why I love all-in-one funds; data shows that they're the easiest to stick with.)
November 6, 2025 at 5:41 PM
TIPS likely aren't required for #investing success.
Far more important is sticking with your investment plan.
And, the simpler your plan, the easier it is to stick with.
(That's why I love all-in-one funds; data shows that they're the easiest to stick with.)
Far more important is sticking with your investment plan.
And, the simpler your plan, the easier it is to stick with.
(That's why I love all-in-one funds; data shows that they're the easiest to stick with.)
John Oliver once again doing God's work, in this explicit-but-entertaining warning to avoid Medicare Advantage (Part C) Plans.
Link in the comments 👇
Link in the comments 👇
November 5, 2025 at 7:05 PM
John Oliver once again doing God's work, in this explicit-but-entertaining warning to avoid Medicare Advantage (Part C) Plans.
Link in the comments 👇
Link in the comments 👇
Going to be interviewed by Financial Planning magazine about being an advice-only financial planner.
What should I tell them?
What should I tell them?
November 4, 2025 at 8:38 PM
Going to be interviewed by Financial Planning magazine about being an advice-only financial planner.
What should I tell them?
What should I tell them?
Hey Garrett Planning Network (@GarrettPlanning) members!
I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below 👇
I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below 👇
November 3, 2025 at 5:21 PM
Hey Garrett Planning Network (@GarrettPlanning) members!
I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below 👇
I’ll be doing a special guest session at a future GPN Member Meetup. Mark your calendar for Monday, November 17th at 11 AM Pacific/2 PM Eastern.
Garrett members can sign up at the link below 👇
Just updated!
The 2025 Planning Template now includes a revised 'Personal Profile.'
This helps you gather all the essential client information systematically – nothing falls through the cracks.
Perfect for new client onboarding or annual reviews.
Link in comments 👇
The 2025 Planning Template now includes a revised 'Personal Profile.'
This helps you gather all the essential client information systematically – nothing falls through the cracks.
Perfect for new client onboarding or annual reviews.
Link in comments 👇
October 29, 2025 at 5:11 PM
Just updated!
The 2025 Planning Template now includes a revised 'Personal Profile.'
This helps you gather all the essential client information systematically – nothing falls through the cracks.
Perfect for new client onboarding or annual reviews.
Link in comments 👇
The 2025 Planning Template now includes a revised 'Personal Profile.'
This helps you gather all the essential client information systematically – nothing falls through the cracks.
Perfect for new client onboarding or annual reviews.
Link in comments 👇
Incredible to be part of such an amazing team doing so much to improve financial literacy.
For free resources to learn about how to manage your money yourself, visit the John C. Bogle Center for Financial Literacy.
Link in the comments 👇
For free resources to learn about how to manage your money yourself, visit the John C. Bogle Center for Financial Literacy.
Link in the comments 👇
October 28, 2025 at 7:42 PM
Incredible to be part of such an amazing team doing so much to improve financial literacy.
For free resources to learn about how to manage your money yourself, visit the John C. Bogle Center for Financial Literacy.
Link in the comments 👇
For free resources to learn about how to manage your money yourself, visit the John C. Bogle Center for Financial Literacy.
Link in the comments 👇