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!
Happy Thanksgiving!
November 27, 2025 at 2:15 PM
Happy Thanksgiving!
Submitted without comment...
November 19, 2025 at 3:08 PM
Submitted without comment...
Examples of recency bias in investing:
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
October 30, 2025 at 7:13 PM
Examples of recency bias in investing:
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
Holidays can be a wonderful time, but can also be a stress on your budget.
Make a plan now to avoid getting in over your head during the holiday season.
Make a plan now to avoid getting in over your head during the holiday season.
October 11, 2025 at 7:13 PM
Holidays can be a wonderful time, but can also be a stress on your budget.
Make a plan now to avoid getting in over your head during the holiday season.
Make a plan now to avoid getting in over your head during the holiday season.
It can be scary when the market temporarily dips and your account value goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
October 10, 2025 at 2:08 PM
It can be scary when the market temporarily dips and your account value goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
The best time to start investing was 20 years ago.
The second best time is today.
The second best time is today.
October 9, 2025 at 7:13 PM
The best time to start investing was 20 years ago.
The second best time is today.
The second best time is today.
Things you can't control:
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
October 8, 2025 at 2:08 PM
Things you can't control:
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
Financial planning doesn't sound very exciting, but the results certainly are!
October 7, 2025 at 7:13 PM
Financial planning doesn't sound very exciting, but the results certainly are!
Increasing your 401k little by little is a great way to eventually get to a really healthy savings rate.
October 4, 2025 at 7:13 PM
Increasing your 401k little by little is a great way to eventually get to a really healthy savings rate.
Don't forget about that old 401k! Leaving it in its current location is not always optimal.
October 2, 2025 at 7:13 PM
Don't forget about that old 401k! Leaving it in its current location is not always optimal.
Risk is what’s left over after you think you’ve thought of everything.
September 30, 2025 at 7:13 PM
Risk is what’s left over after you think you’ve thought of everything.
The most valuable things in life require investment.
July 22, 2025 at 7:13 PM
The most valuable things in life require investment.
People often ask what the value of financial planning is.
Sometimes it’s quantifiable. Sometimes it's not.
Sometimes it’s quantifiable. Sometimes it's not.
July 17, 2025 at 7:13 PM
People often ask what the value of financial planning is.
Sometimes it’s quantifiable. Sometimes it's not.
Sometimes it’s quantifiable. Sometimes it's not.