I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I just googled her and I'm really impressed with her credentials; I reached out to her since l need all the assistance l can get. I just scheduled a caII.
I’m learning a lot from your videos. What I most like is that you combine life advice with financial advice. Additionally, your videos are very easy to understand. Great stuff brother.
Many people think if their income exceeds the upper threshold of say, the 12% tax bracket that all of their income will be taxed at 22%. Not true, just the income over 94k (married jointly) will be taxed at 22%. The tax bracket’s are progressive
Azul…thanks for this information. I’ve been a fan of your channel for 2+ yrs, and retired from fed service in Dec’23. I’ve shared your channel with 2 other colleagues who’re 5-7yrs away from their fed retirement.
There are criteria for IRMAA not widely understood. There is an appeal process for getting the penalties reduced IF your current income is reduced from your 2 year prior income that triggered the penalty. This is mostly relevant to the recently retired and we were able to get a reduction in IRMAA penalties for three tax years!
I 58 but retiring next year. I am evenly split between taxable vs non-taxable. I have been talking to Fidelity about where to draw down funds from first and when to draw SS. I'm of the mind to draw down taxable, staying within 12% bracket, until I turn 67, to increase my SS payments. I am fortunate to have saved enough to not spend my non-taxable and save for future unforeseen expenses. Would you suggest this approach, or draw SS at 62 and take less out of taxable access? Thanks
Traditional IRA and Traditional 401k are first, saving and brokerage next, and Roth last. Depends though on market conditions. Bad to pull money out if markets down. If markets down, it’s a great opportunity to convert some of the money to Roth, basically shifting it to the tax me never account. Need to have 2 or 3 years of savings in your brokerage/ savings account to weather the storm.
That's only true if you're older than 59½. Before 59½, use taxable accounts (unless you've set up a SEPP or were employed in one of the professions for which penalty-free distributions start at 50). Roth conversions is another massive oversight by this video and the Schwab "strategy". One more reason I detest Schwab.
@@AlumniQuad I was thinking 25k from the pretax and then using about 10k brokerage money from stocks held longer than year to fill in the rest with under income tax of zero percent for income under the 47,025% something number to be added so it only counts as 25k and i always stay in lowest tax bracket.
It is better to withdraw from non-taxable accounts first but it is human nature to withdraw from already taxed money first because then you don't have to pay taxes. The main problem is that you can get hit with RMDs that can put you in the top bracket and ouch!
Hi Azul, I’m ~2 1/2 years from retiring and am trying to figure this out to keep my taxes out of the 22% tax bracket as much as possible. I plan to have two years without taking SS, so that, without a salary, I’ll have the ability to do Roth conversions by using some of my brokerage account money to live on while converting some of my traditional IRA holdings. I have it mostly figured; however, this tax planning piece is the most complicated part, so I’m studying now to get a handle on exactly what I need to do post-retirement, pre SS income to optimize taxes for the following years. Thanks for the pointers!
Best order is to live on non retirement accounts and convert 401k to Roth at the early years of retirement. Once the none retirement accounts is gone, then continue to draw from 401k live on and convert, leave the Roth at the last. I plan to convert 380k every year. We have 4m to convert. Kick myself not to invest in Roth 401k. I will be hit with IRMM😭
Another good reason to retire early, worse case retire and collect SS at 62, in addition to of course enjoying life more. Medicare at the first year one can claim it, 65, looks back 2 years to 63 yrs old thus your income should be very low and no IRMAA penalties. Then when you do Roth conversions-(likely up to the 12% bracket)- just be very careful NOT to convert too much and trigger IRMAA as Azul stated correctly the Roth Conversion is fully taxable--(it is considered same as income). Good video Azul! Rich
RMDs are 75 for anyone born after 1959 IRRMA is better than the reductions in healthcare subistities before 65. It only make sense for conversions after I start Medicare at about 30% in Roth now, will look at where ima at when I am 65
Any thoughts on this scenario? 2 - 58 year old military retirees, 16k a month after tax income, 400k traditional IRAs, SS at 65 will be 3k a month each. No debt. Should we draw down the IRA before age 63 to reduce what we end up paying for Medicare part B? Would it also significantly reduce taxable income after age 65?
@@melvano4014 At your level of income, it looks like the most you can save yourself is 2 people X $70/month in Medicare Part B premiums which is dwarfed by your pension income.
I would be retiring or working less in 5 years, and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $250K per year but nothing to show for it yet.
predicting short-term market movements is extremely difficult in reality. It also essentially requires the investor to be right twice: they must perfectly time both their entrance to and exit from the market.
That is exactly the reason I stopped taking advise from TH-camrs; in the long run, I only end up with a jumbled collection of stocks and bonds. Whereas all I needed to earn over $350k in less than two years was guidance from a true market expert.
Hi Azul. I really love the videos. It's more helpful than you'll ever know. I'm hoping that you can answer a question for us in an upcoming video. You talk often about the 4% withdrawal rule (or the 25x rule). Since roughly half of my planned retirement income will come from social security can I think of the 4% rule differently? My IRA is largely invested in a dividend paying equities that produce about 3.8% yield. I plan to only take the dividend distributions (and not touch the underlying equity itself) for the other 50% of my income. I realize that this portion of my income will have some variation but I'm anticipating it to be small over the long run since I am investing via FDVV and VYM to provide breadth of holdings. Now my question, have you used this approach or otherwise have thoughts about it? Again, thanks for putting in the time to make these videos for us.
Hi Bill. It is a great question. I made a video on this topic a year ago. Search my channel for “how to live off of stock dividends” The challenging part about stock dividends is choosing the right investments that’s been off the dividends and, putting up with the volatility associated with stocks. I am glad my channel has been helpful. Thanks for watching and for taking the time to comment.
Azul, is there any reason why you should not pay taxes owed from an IRA conversion from the IRA funds themselves? I understand that it would reduce the amount of money going into a Roth IRA but isn't the money of the same value. i.e. pay tax now or pay tax later?
Start with one taxable account with $10,000 and a traditional IRA with $10,000. Say, for example, that you're in the 24% federal income tax bracket and the 6% state income tax bracket and convert the entire traditional IRA in one tax year. If you pay income tax due (24%+6%=30%) from the taxable account, you are left with one $7,000 account for which tax will be due in perpetuity and one $10,000 account which has zero tax obligations forever. If you pay income tax due (24%+6%=30%) from the traditional IRA account, you are left with one $10,000 account for which tax will be due in perpetuity and one $7,000 account which has zero tax obligations forever. The "money may be of the same value", but the future tax obligations certainly aren't.
I hate the RMD term. Most of my work life, I used the phrase "required minimum distribution" as how much minimum I needed to take out of my retirement savings to pay for my desired lifestyle. Then I learned about this rule. Should be called Forced Distribution.
@@nathanrice7352 I used the term long before, about 1984 and it was the standard textbook meaning in business financial planning so I just adopted it for the project assigned to me in my personal financial planning class. The current naming is standard govermentese for naming something in a way that most obfuscates its purpose. The financial industry just played along, it did not invent the phrase.
So you constructed your own longstanding version of reality and now that you've found out that you were delusional, you're going to lash out in the TH-cam comments section?
Azul, at the 4:19 mark, shouldn't it be $16,550? You show $16,500. How long has this rule been in effect? I don't think my tax guy included this addl amt last year. Thank you.
I’ve worked hard to save about $800,000 for retirement, and now I’m ready to turn my savings into a paycheck. But how much can I afford to withdraw from savings and spend is what I don’t know. If I spend too much, I risk being left with a shortfall later in retirement. But if I spend too little, I may not enjoy the retirement I envisioned. What’s your advice on this please?
Personally, I used the 4% rule as a guideline, didn't follow it precisely. For greater level of confidence around portfolio longevity and ability to meet my goals, I use a well experienced advisor from Pennsylvania. In a nutshell, I'm semi-retired and only work 7.5 hours weekly since getting fully invested in the markets for 5 years now, amassing about $1.3m so far, after subsequent investments.
such an eye opener! never heard or used the 4% rule, I spend what I want and when I want, however i'm interested in supplementing my streams of income by investing, mind if i look up your advisor please?
thanks for the lead. I just searched Katherine by her full name and easily spotted her profile, no sweat. I have sent her an email, hoping she gets back to me soon
Im about 80% ROTH IRA AND RITH 401K. AND a Broker account. No moving buckets for me. My employer match will be traditional and taxable. The one thing i never unstood is how do we see inside our 401k that is tradional? All i see is the total and what positions its in but never see t What is the traditional and wjat is roth?
The ability to recharacterize a Roth retirement account as a traditional retirement account was eliminated in 2018 by the Tax Cuts and Jobs act, probably because you'd be foolish to convert tax-free forever money into tax due forever money.
I wish I’d had the advice about Roth’s and taxes 25 years ago. My tax liabilities would have been reduced in retirement. We’re doing fine though. Just hate to give the Biden Administration more money
Use Turbo tax or other software to experiment with different scenarios. There is no way a simple chart will help you. Where was the standard deduction in that chart? Where was the healthcare deduction or credit. What about an EV tax credit. Dividend income. Capital gains deduction. I argue with my engineering friends that can't comprehend it. You have to enter the whole scenario into some tax software to know anything.
Thank God we are almost 90% Roth in IRA and 401k. With passive income in rental properties with no debt. Will be retiring 2yrs with a 2yr emergency fund saved at 10% profit. Alot of work and alot of planning.
The advice from Charles Schwawb assumes you are already getting RMDs, whereas many followers of this channel are much younger. So, I didn't see the advice as being very applicable!
It's a deliberate omission so that you pay their retirement consultants thousands of dollars to point out that between 59½ and your RMD age you can both spend down your traditional retirement accounts or perform Roth conversions to reduce your future RMDs and tax obligations.
Hallelujah 🙌🏻!!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻. I was owing a loan of $49,000 to the bank for my son's brain surgery, Now I'm no longer in debt after I invested $11,000 and got my payout of $290,500 every month…God bless Mrs Susan jane Christy♥️
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders
ANGELA LYNN SCHILLING' is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?
I just googled her and I'm really impressed with her credentials; I reached out to her since l need all the assistance l can get. I just scheduled a caII.
I’m learning a lot from your videos. What I most like is that you combine life advice with financial advice. Additionally, your videos are very easy to understand. Great stuff brother.
@4:00 time mark. I believe the Standard Deduction increases for those 65 or older, not 60.
Thank you Jeff. Yes, you are correct. 65 not 60. My bad. Thank you for taking the time to share this with us. 🙏 Azul
Many people think if their income exceeds the upper threshold of say, the 12% tax bracket that all of their income will be taxed at 22%. Not true, just the income over 94k (married jointly) will be taxed at 22%. The tax bracket’s are progressive
At minute 4, the senior additional standard deduction is age 65 not 60
Azul…thanks for this information. I’ve been a fan of your channel for 2+ yrs, and retired from fed service in Dec’23.
I’ve shared your channel with 2 other colleagues who’re 5-7yrs away from their fed retirement.
There are criteria for IRMAA not widely understood. There is an appeal process for getting the penalties reduced IF your current income is reduced from your 2 year prior income that triggered the penalty. This is mostly relevant to the recently retired and we were able to get a reduction in IRMAA penalties for three tax years!
I 58 but retiring next year. I am evenly split between taxable vs non-taxable. I have been talking to Fidelity about where to draw down funds from first and when to draw SS. I'm of the mind to draw down taxable, staying within 12% bracket, until I turn 67, to increase my SS payments. I am fortunate to have saved enough to not spend my non-taxable and save for future unforeseen expenses.
Would you suggest this approach, or draw SS at 62 and take less out of taxable access? Thanks
Terrific video. Thank you.
Traditional IRA and Traditional 401k are first, saving and brokerage next, and Roth last. Depends though on market conditions. Bad to pull money out if markets down. If markets down, it’s a great opportunity to convert some of the money to Roth, basically shifting it to the tax me never account. Need to have 2 or 3 years of savings in your brokerage/ savings account to weather the storm.
That's only true if you're older than 59½. Before 59½, use taxable accounts (unless you've set up a SEPP or were employed in one of the professions for which penalty-free distributions start at 50). Roth conversions is another massive oversight by this video and the Schwab "strategy". One more reason I detest Schwab.
@@AlumniQuad I was thinking 25k from the pretax and then using about 10k brokerage money from stocks held longer than year to fill in the rest with under income tax of zero percent for income under the 47,025% something number to be added so it only counts as 25k and i always stay in lowest tax bracket.
It is better to withdraw from non-taxable accounts first but it is human nature to withdraw from already taxed money first because then you don't have to pay taxes. The main problem is that you can get hit with RMDs that can put you in the top bracket and ouch!
I think you have to be 65, not 60 for the extra deduction
Hi Azul, I’m ~2 1/2 years from retiring and am trying to figure this out to keep my taxes out of the 22% tax bracket as much as possible. I plan to have two years without taking SS, so that, without a salary, I’ll have the ability to do Roth conversions by using some of my brokerage account money to live on while converting some of my traditional IRA holdings. I have it mostly figured; however, this tax planning piece is the most complicated part, so I’m studying now to get a handle on exactly what I need to do post-retirement, pre SS income to optimize taxes for the following years. Thanks for the pointers!
Best order is to live on non retirement accounts and convert 401k to Roth at the early years of retirement. Once the none retirement accounts is gone, then continue to draw from 401k live on and convert, leave the Roth at the last. I plan to convert 380k every year. We have 4m to convert. Kick myself not to invest in Roth 401k. I will be hit with IRMM😭
This chart is helpful. Thank you for sharing.
4:03 Isn't the standard deduction increase at age *65* ?
Thank you for the information
Another good reason to retire early, worse case retire and collect SS at 62, in addition to of course enjoying life more. Medicare at the first year one can claim it, 65, looks back 2 years to 63 yrs old thus your income should be very low and no IRMAA penalties. Then when you do Roth conversions-(likely up to the 12% bracket)- just be very careful NOT to convert too much and trigger IRMAA as Azul stated correctly the Roth Conversion is fully taxable--(it is considered same as income). Good video Azul! Rich
RMDs are 75 for anyone born after 1959
IRRMA is better than the reductions in healthcare subistities before 65.
It only make sense for conversions after I start Medicare
at about 30% in Roth now, will look at where ima at when I am 65
Any thoughts on this scenario? 2 - 58 year old military retirees, 16k a month after tax income, 400k traditional IRAs, SS at 65 will be 3k a month each. No debt. Should we draw down the IRA before age 63 to reduce what we end up paying for Medicare part B? Would it also significantly reduce taxable income after age 65?
You don't say what your expenses in retirement are, but if they're under $16,000 per month, then Roth conversions would achieve the same goal.
@@AlumniQuad I will check that out. We only have $1650 a month in expenses.
@@melvano4014 At your level of income, it looks like the most you can save yourself is 2 people X $70/month in Medicare Part B premiums which is dwarfed by your pension income.
@@AlumniQuad good to know and thank you for your time.
Awesome info!
Would you talk about how the lifespan for RMDs are calculated? Where can I learn more?
I would be retiring or working less in 5 years, and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $250K per year but nothing to show for it yet.
predicting short-term market movements is extremely difficult in reality. It also essentially requires the investor to be right twice: they must perfectly time both their entrance to and exit from the market.
That is exactly the reason I stopped taking advise from TH-camrs; in the long run, I only end up with a jumbled collection of stocks and bonds. Whereas all I needed to earn over $350k in less than two years was guidance from a true market expert.
I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance.
"Nicole Anastasia Plumlee" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
Hi Azul. I really love the videos. It's more helpful than you'll ever know. I'm hoping that you can answer a question for us in an upcoming video. You talk often about the 4% withdrawal rule (or the 25x rule). Since roughly half of my planned retirement income will come from social security can I think of the 4% rule differently? My IRA is largely invested in a dividend paying equities that produce about 3.8% yield. I plan to only take the dividend distributions (and not touch the underlying equity itself) for the other 50% of my income. I realize that this portion of my income will have some variation but I'm anticipating it to be small over the long run since I am investing via FDVV and VYM to provide breadth of holdings. Now my question, have you used this approach or otherwise have thoughts about it? Again, thanks for putting in the time to make these videos for us.
Hi Bill. It is a great question. I made a video on this topic a year ago. Search my channel for “how to live off of stock dividends”
The challenging part about stock dividends is choosing the right investments that’s been off the dividends and, putting up with the volatility associated with stocks.
I am glad my channel has been helpful. Thanks for watching and for taking the time to comment.
Azul, is there any reason why you should not pay taxes owed from an IRA conversion from the IRA funds themselves? I understand that it would reduce the amount of money going into a Roth IRA but isn't the money of the same value. i.e. pay tax now or pay tax later?
Start with one taxable account with $10,000 and a traditional IRA with $10,000. Say, for example, that you're in the 24% federal income tax bracket and the 6% state income tax bracket and convert the entire traditional IRA in one tax year.
If you pay income tax due (24%+6%=30%) from the taxable account, you are left with one $7,000 account for which tax will be due in perpetuity and one $10,000 account which has zero tax obligations forever.
If you pay income tax due (24%+6%=30%) from the traditional IRA account, you are left with one $10,000 account for which tax will be due in perpetuity and one $7,000 account which has zero tax obligations forever.
The "money may be of the same value", but the future tax obligations certainly aren't.
I hate the RMD term. Most of my work life, I used the phrase "required minimum distribution" as how much minimum I needed to take out of my retirement savings to pay for my desired lifestyle. Then I learned about this rule. Should be called Forced Distribution.
Telling the entire financial planning industry to change their terminology because you were ignorant of it is a wild take.
@@nathanrice7352 I used the term long before, about 1984 and it was the standard textbook meaning in business financial planning so I just adopted it for the project assigned to me in my personal financial planning class. The current naming is standard govermentese for naming something in a way that most obfuscates its purpose. The financial industry just played along, it did not invent the phrase.
If the result is the same, the name you use is just semantics...
So you constructed your own longstanding version of reality and now that you've found out that you were delusional, you're going to lash out in the TH-cam comments section?
Azul, at the 4:19 mark, shouldn't it be $16,550? You show $16,500.
How long has this rule been in effect? I don't think my tax guy included this addl amt last year. Thank you.
I’ve worked hard to save about $800,000 for retirement, and now I’m ready to turn my savings into a paycheck. But how much can I afford to withdraw from savings and spend is what I don’t know. If I spend too much, I risk being left with a shortfall later in retirement. But if I spend too little, I may not enjoy the retirement I envisioned. What’s your advice on this please?
I'd highly recommend using the 4% rule, maybe you'd know just how much to spend after retirement
Personally, I used the 4% rule as a guideline, didn't follow it precisely. For greater level of confidence around portfolio longevity and ability to meet my goals, I use a well experienced advisor from Pennsylvania. In a nutshell, I'm semi-retired and only work 7.5 hours weekly since getting fully invested in the markets for 5 years now, amassing about $1.3m so far, after subsequent investments.
such an eye opener! never heard or used the 4% rule, I spend what I want and when I want, however i'm interested in supplementing my streams of income by investing, mind if i look up your advisor please?
Katherine Nance Dietz is the licensed advisor I use. Just research the name. You’d find necessary details to work with and set up an appointment.
thanks for the lead. I just searched Katherine by her full name and easily spotted her profile, no sweat. I have sent her an email, hoping she gets back to me soon
I’m beginning to regret living to this retirement age. What a confusing mess.
I always said the cost of living is high, but the alternative isn't very good.
Im about 80% ROTH IRA AND RITH 401K. AND a Broker account. No moving buckets for me. My employer match will be traditional and taxable. The one thing i never unstood is how do we see inside our 401k that is tradional? All i see is the total and what positions its in but never see t
What is the traditional and wjat is roth?
In Vanguard, if you go to contributions, it’ll show you the break out.
What about a 457?
What if my IRA and 401k are both Roth? Should I change my 401k to standard now or just keep going as is?
If both accounts are in Roth, you have already paid taxes on the money in those accounts.
The ability to recharacterize a Roth retirement account as a traditional retirement account was eliminated in 2018 by the Tax Cuts and Jobs act, probably because you'd be foolish to convert tax-free forever money into tax due forever money.
IRMAA bit me big time. In a year or so I will be back to near zero IRMAA penalty...
I wish I’d had the advice about Roth’s and taxes 25 years ago. My tax liabilities would have been reduced in retirement. We’re doing fine though. Just hate to give the Biden Administration more money
Vote Trump let’s not destroy the future.
Collect SS at 62 first before taking IRA distributions.
Use Turbo tax or other software to experiment with different scenarios. There is no way a simple chart will help you. Where was the standard deduction in that chart? Where was the healthcare deduction or credit. What about an EV tax credit. Dividend income. Capital gains deduction. I argue with my engineering friends that can't comprehend it. You have to enter the whole scenario into some tax software to know anything.
Thank God we are almost 90% Roth in IRA and 401k. With passive income in rental properties with no debt. Will be retiring 2yrs with a 2yr emergency fund saved at 10% profit. Alot of work and alot of planning.
The advice from Charles Schwawb assumes you are already getting RMDs, whereas many followers of this channel are much younger. So, I didn't see the advice as being very applicable!
Do you always announce stuff like this?
@@Ethernet480 Occasionally. Do you always post gibberish?
It's a deliberate omission so that you pay their retirement consultants thousands of dollars to point out that between 59½ and your RMD age you can both spend down your traditional retirement accounts or perform Roth conversions to reduce your future RMDs and tax obligations.
You talk in circles. Sorry. I’m gonna find an advisor.
1st
Hallelujah 🙌🏻!!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻. I was owing a loan of $49,000 to the bank for my son's brain surgery, Now I'm no longer in debt after I invested $11,000 and got my payout of $290,500 every month…God bless Mrs Susan jane Christy♥️
Hello how do you make such monthly??
I'm a born Christian and sometimes I feel so down🤦🏼of myself because of low finance but I still believe in God🙏.
Hi that's good you have idea &share to those who deserve it that's great god bless🙏🙏
She's a licensed broker here in the states🇺🇸 and finance advisor.
After I raised up to 525k trading with her I bought a new House and a car here in the states🇺🇸🇺🇸 also paid for my son's surgery….Glory to God, shalom.
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
ANGELA LYNN SCHILLING' is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.