@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.
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.
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 👇
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.)
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 👇
From my presentation on all-in-one funds at this year's Bogleheads® conference.
I can't wait until the video recordings of the session are out.
I can't wait until the video recordings of the session are out.
October 24, 2025 at 8:05 PM
From my presentation on all-in-one funds at this year's Bogleheads® conference.
I can't wait until the video recordings of the session are out.
I can't wait until the video recordings of the session are out.
Having worked with over 450 households over the last four years, I have created a repeatable process by saving answers to common client questions in a template.
This not only streamlines the process but also serves as a checklist for financial planning topics and strategies.
1/2
This not only streamlines the process but also serves as a checklist for financial planning topics and strategies.
1/2
October 24, 2025 at 6:02 PM
Having worked with over 450 households over the last four years, I have created a repeatable process by saving answers to common client questions in a template.
This not only streamlines the process but also serves as a checklist for financial planning topics and strategies.
1/2
This not only streamlines the process but also serves as a checklist for financial planning topics and strategies.
1/2
Can't stop thinking about this.
October 23, 2025 at 7:49 PM
Can't stop thinking about this.
For years, I’ve been nudging do-it-yourself investors away from optimizing their portfolios and toward the projects that matter.
For those still in their earning years, that often means tackling a big one that’s easy to overlook: long-term disability insurance.
For those still in their earning years, that often means tackling a big one that’s easy to overlook: long-term disability insurance.
October 20, 2025 at 5:19 PM
For years, I’ve been nudging do-it-yourself investors away from optimizing their portfolios and toward the projects that matter.
For those still in their earning years, that often means tackling a big one that’s easy to overlook: long-term disability insurance.
For those still in their earning years, that often means tackling a big one that’s easy to overlook: long-term disability insurance.
Increased returns only come with increased risk.
Anyone who says otherwise has a private credit fund to sell you.
Anyone who says otherwise has a private credit fund to sell you.
October 20, 2025 at 1:58 PM
Increased returns only come with increased risk.
Anyone who says otherwise has a private credit fund to sell you.
Anyone who says otherwise has a private credit fund to sell you.
Grateful for this amazing woman and the countless other volunteers who made the 2025 Bogleheads conference possible!
It was a new level of record attendance, with the event going off without a hitch!
I look forward to seeing many of you next year, at the 2026 conference - in Las Vegas!
It was a new level of record attendance, with the event going off without a hitch!
I look forward to seeing many of you next year, at the 2026 conference - in Las Vegas!
October 19, 2025 at 10:07 PM
Grateful for this amazing woman and the countless other volunteers who made the 2025 Bogleheads conference possible!
It was a new level of record attendance, with the event going off without a hitch!
I look forward to seeing many of you next year, at the 2026 conference - in Las Vegas!
It was a new level of record attendance, with the event going off without a hitch!
I look forward to seeing many of you next year, at the 2026 conference - in Las Vegas!
Yesterday, I submitted an updated version of my PPT for my presentation on All-In-One Funds that I'm giving this Friday at the Bogleheads® conference.
But, I have to include this meme.
So, I'll be submitting another update.
But, I have to include this meme.
So, I'll be submitting another update.
October 15, 2025 at 6:37 PM
Yesterday, I submitted an updated version of my PPT for my presentation on All-In-One Funds that I'm giving this Friday at the Bogleheads® conference.
But, I have to include this meme.
So, I'll be submitting another update.
But, I have to include this meme.
So, I'll be submitting another update.
Friday! Friday! Friday!
I'll be giving my presentation at this year's Bogleheads® conference on all-in-one funds.
I'm very excited!
🤓
I'll be giving my presentation at this year's Bogleheads® conference on all-in-one funds.
I'm very excited!
🤓
October 14, 2025 at 11:43 PM
Friday! Friday! Friday!
I'll be giving my presentation at this year's Bogleheads® conference on all-in-one funds.
I'm very excited!
🤓
I'll be giving my presentation at this year's Bogleheads® conference on all-in-one funds.
I'm very excited!
🤓
When investing, you can use a mirror approach to your accounts: replicating the same stock/bond mix across all your accounts.
While this approach is simpler, it’s less tax-efficient given unrealized gains embedded in a taxable account.
While this approach is simpler, it’s less tax-efficient given unrealized gains embedded in a taxable account.
October 14, 2025 at 7:37 PM
When investing, you can use a mirror approach to your accounts: replicating the same stock/bond mix across all your accounts.
While this approach is simpler, it’s less tax-efficient given unrealized gains embedded in a taxable account.
While this approach is simpler, it’s less tax-efficient given unrealized gains embedded in a taxable account.
I am getting increasingly excited for my presentation on all-in-one funds at next week's Bogleheads® conference.
This thing is really coming together!
This thing is really coming together!
October 10, 2025 at 6:57 PM
I am getting increasingly excited for my presentation on all-in-one funds at next week's Bogleheads® conference.
This thing is really coming together!
This thing is really coming together!
The awkward discomfort of being my acquaintance.
October 10, 2025 at 6:06 PM
The awkward discomfort of being my acquaintance.
High earners can afford to save more.
And they should.
Because when a layoff hits, finding the next high-paying role often takes longer.
More short-term funds on hand means less stress while you wait.
And they should.
Because when a layoff hits, finding the next high-paying role often takes longer.
More short-term funds on hand means less stress while you wait.
October 10, 2025 at 5:22 PM
High earners can afford to save more.
And they should.
Because when a layoff hits, finding the next high-paying role often takes longer.
More short-term funds on hand means less stress while you wait.
And they should.
Because when a layoff hits, finding the next high-paying role often takes longer.
More short-term funds on hand means less stress while you wait.
One week to go!
And, I'm still tweaking my presentation for this year's Bogleheads® conference.
(There will be BBQ references.)
And, I'm still tweaking my presentation for this year's Bogleheads® conference.
(There will be BBQ references.)
October 9, 2025 at 10:47 PM
One week to go!
And, I'm still tweaking my presentation for this year's Bogleheads® conference.
(There will be BBQ references.)
And, I'm still tweaking my presentation for this year's Bogleheads® conference.
(There will be BBQ references.)
Tweaking my presentation on all-in-one funds for this year's Bogleheads® conference.
New subtitle just dropped 👇
New subtitle just dropped 👇
October 7, 2025 at 9:20 PM
Tweaking my presentation on all-in-one funds for this year's Bogleheads® conference.
New subtitle just dropped 👇
New subtitle just dropped 👇
What I'm (re)reading now:
I didn't quite finish the book on managing concentrated stock. But, I'm out of time!
I'll be interviewing Sean Mullaney (@SeanMoneyandTax) and Cody Garrett (@MeasureTwiceMNY) for my next @Bogleheads® on #Investing episode.
What questions do you have for them?
I didn't quite finish the book on managing concentrated stock. But, I'm out of time!
I'll be interviewing Sean Mullaney (@SeanMoneyandTax) and Cody Garrett (@MeasureTwiceMNY) for my next @Bogleheads® on #Investing episode.
What questions do you have for them?
October 7, 2025 at 7:24 PM
What I'm (re)reading now:
I didn't quite finish the book on managing concentrated stock. But, I'm out of time!
I'll be interviewing Sean Mullaney (@SeanMoneyandTax) and Cody Garrett (@MeasureTwiceMNY) for my next @Bogleheads® on #Investing episode.
What questions do you have for them?
I didn't quite finish the book on managing concentrated stock. But, I'm out of time!
I'll be interviewing Sean Mullaney (@SeanMoneyandTax) and Cody Garrett (@MeasureTwiceMNY) for my next @Bogleheads® on #Investing episode.
What questions do you have for them?
It's amazing how much a difference video makes!
~10,000 more views (or ~5X) between an audio-only and a video podcast on YouTube.
Also, a new podcast dropped (link in the comments 👇)
~10,000 more views (or ~5X) between an audio-only and a video podcast on YouTube.
Also, a new podcast dropped (link in the comments 👇)
October 5, 2025 at 10:08 PM
It's amazing how much a difference video makes!
~10,000 more views (or ~5X) between an audio-only and a video podcast on YouTube.
Also, a new podcast dropped (link in the comments 👇)
~10,000 more views (or ~5X) between an audio-only and a video podcast on YouTube.
Also, a new podcast dropped (link in the comments 👇)