Sparkbound

We exist to unlock the potential of people to do more good, better.

Sparkbound is a leadership development academy disguised as a medical sales organization and medical device distributor. We are focused on going beyond transactions and enriching the lives of our people, partners, and practitioners.

Founder & Principal

Enovis

Sr. Salesperson building Sparkbound ❇️

Arthrex

Agency Sales Manager

Arthrex Extremity & Trauma Lead & Territory Manager

Upper Extremity Sales lead

Arthrex Clinical Specialist

Arthrex Technology Consultant | Sales Professional 

Empire Medical

Executive Sales Manager

P4L Fitness & Torque Sports Performance

Director of Sports Performance

Hospital for Special Surgery

Worked independently for Dr. Adele Boskey’s laboratory. Dr. Boskey is 	interested in tissue mineralization; the ultimate goal in the lab was to improve bone quality by providing insight needed for new 	therapies and tissue engineered products. My specific research project was focused on the role of proteoglycans in the bone mineralization process. More specifically, I looked at the effect of 	the interaction between the large proteoglycan, aggrecan, and aggrecanase (ADAMTS) and aggrecanase inhibitors (TIMP) on hydroxyapatite formation in a gel system. My work was paralleled 	with identical studies performed in this laboratory in a cell culture 	system.

Research Assistant

Weill Cornell Medical College

Presented and participated in weekly journal clubs. Partook in a Lab Techniques Workshop and Clinical Skills Workshop. Scrubbed into surgeries at the New York-Presbyterian Hospital. Gave an oral 	presentation at Leadership Alliance National Symposium and written and poster presentation of my research at Weill Cornell Medical College.

Intern

I help salespeople become sales leaders w/ the Salesblazer Method™️ | Executive Sales Leader

Over the last decade, I helped build multiple multi-million dollar medical device territories by developing new markets and strategic sales teams. I also helped customer-partners build their personal brands and land consulting contracts, which led to developing new products/techniques and enhanced patient outcomes.

Then, in 2023, I hit a fork in the road. Do I continue building someone else's company at the expense of my convictions, or do I risk my comfortable life to gain personal agency, take complete ownership over my future, and craft something worth telling a story about?

Building something on my terms and diversifying my income would be the best pathway towards control over my calendar, autonomy over the work I get to do, and the direct impact I can have.

While this pathway has not been easy, the results have been remarkable.

Since leaving a sales executive role with a great brand, I have been able to replace my income by working for myself with less effort (working smart).

I have launched Sparkbound, a medical sales & marketing organization that goes beyond the transaction and seeks to enrich the lives of others.

Sparkbound not only helps our people build influential careers, increase our partners' influence, or improve our practitioners' patient outcomes, but we also want to help aspiring difference makers become the change they wish they could make... and then help them make positive change happen.

My mission is to help you see that you're not stuck. You don't have to labor and live as others expect you to. My mission is to help you challenge the status quo, lead by design, and choose the impact you wish to have.

I love writing about leadership, specifically leadership without titles, about how high-impact professionals can earn personal agency, purposeful productivity (doing more good, better), and meaningful work.

Francisco Martinez

Most people wait for the perfect opportunity to start leading.

The perfect promotion.
The right work/life balance. 
The sales kickoff meeting.
A bigger team.

But here’s what I’ve learned after building sales teams:

There is no perfect opportunity.

The promotion won't make you a leader.
There is no such thing as work/life balance in sales leadership.
Leadership happens before the title. 

The people who get promoted don't wait. 

They start.
They lead anybody.
Create opportunities to serve.  
They find solutions that everyone has been aching for. 

Because they understand something most people ignore:

You don’t build influence by a title. 
You earn it by leading. 

Serving builds trust.
Solving problems makes you indispensable.

That’s exactly how I've gone from a sales demotion to now running my own sales organization.

Not with a perfect plan.

But by showing up every day seeking to enrich the lives of others.

What about you?

Making Leaders Remarkable | Follow for systems & strategies for effortless leadership & remarkable work | Founder & Principal building an 8-figure sales agency from scratch

The best leaders aren't the smartest in the room. 

More knowledge won't get you promoted. Try this instead:

Acquire wisdom. 

Here's why:

🧠 Knowledge is about knowing more. 
🦉 Wisdom is about knowing you don't know enough. 

🧠 Knowledge says, "I know the answer." 
🦉 Wisdom asks, "What's the right question?"

🧠 Knowledge recites best practices. 
🦉 Wisdom knows when to break them.

🧠 Knowledge speaks first in meetings. 
🦉 Wisdom listens, then synthesizes what others missed.

🧠 Knowledge focuses on being right. 
🦉 Wisdom focuses on being useful.

🧠 Knowledge collects information. 
🦉 Wisdom connects the dots others can't see.

The leaders who get promoted aren't the ones with the most certifications or the biggest vocabulary.

They're the ones who can navigate complexity, read between the lines, and make decisions when the data is incomplete.

They turn information into insight. Problems into opportunities. Chaos into clarity.

Stop collecting knowledge. Start cultivating wisdom.

Your career will thank you.

What's one moment when wisdom mattered more than knowledge in your career? Share below 👇

-- 
♻️ Repost to help others lead with wisdom
➕ Like and follow Francisco Martinez for more insights

The best medical sales reps don't sell. They serve.

After 13 years in medical sales, I've watched too many reps crash and burn trying to be the smartest person in the room.

Here's what actually works:

Stop trying to impress doctors.
Start trying to improve patient outcomes.

This mindset changes everything.

Here are the non-negotiables for high-performing medical sales reps: 

✅ Lead with patient impact, not product features
✅ Create opportunities to serve your customers. 
✅ Play the long game and build trust as you build your pipeline.
✅ Educate, educate, educate. 
✅ Don't knock the competition. 

Here's the interesting truth:

When you stop selling and start serving, your numbers go up.

In medical sales, we don't just move products.
We're integral to someone's healing.

Act like it.

What's the most important lesson you've learned about putting people before profit?

♻️ Repost if this resonates
➕ Follow for more on character-driven sales leadership

The wrong path looks promising. 

Until you are replaced. 

I used to think success came from putting in the most hours.

→ First in. Last one out.
→ Say yes to every opportunity.
→ Take work off your boss’s plate. 

The formula they sold us:
Be everywhere → Pay your dues → Trust the process

But here’s the problem:

Budget cuts happen.
Burnout persists.
And no one is looking after your career. 
One bad performance can make you replaceable. 

Now I focus on building what can’t be replaced:

1. Your Attitude
You can’t control every outcome.
But you can control whether people want you in the room when things get tough.

2. Your Wisdom
Thanks to ChatGPT, Knowledge is cheap these days.
But applying that knowledge? That’s hard-earned. 
Wisdom only comes from personal experience plus reflection.

3. Your EQ Skills
Tools change. Markets shift.
But people don’t. The ability to communicate and win with people will outlast AI. 

4. Your Character
Character can’t be bought. 
It is developed and tested over time. 
While others focus on competencies and credentials, build the foundation that no one else is. 

5. Your Discipline
Motivation can pack a punch, but has a short fuse. 
Discipline keeps your butt in the chair no matter how you feel. 


6. Your Leadership
Leadership isn’t a title.
It’s creating opportunities to initiate acts of service.

7. Your Point of View
A unique, well-reasoned perspective is a moat.
It sets you apart in a world drowning in copycats.

These 7 things made me indispensable.
No org chart. No market shift. No competitor can take them away.

You don’t need to protect yourself.
You need to build value that no one can replace.

♻️ Repost to help your tribe become indispensable
➕ Follow to learn how to become the one your company can't live without

Don't just pray for a great culture.

Be the answer to your prayer.

It's easy to hope for a healthy workplace—one where you feel safe, valued, and seen.

But culture isn't something you stumble upon.

It's something you help create.

Culture is not:

- Pizza, ping pong, or even pickleball
- Unlimited PTO or remote work
- A profitable business unit
- A mission statement
- HR department
- Core values
- The CEO

The success or attitude of individual contributors is not the measure of culture. 
But is measured by:

- Low burnout
- Employee referrals
- High retention rates
- People celebrate each other
- Alignment of all people and parts
- The way employees feel on Sunday night

Yet, no culture is perfect. Even great workplaces will disappoint at times.
And that's okay.

That's why what matters is how you carry yourself and champion the culture you wish you had.

You bring attitude, habits, and values everywhere you go.

The best cultures aren't found. Courageous people cultivate them.

So yes, pray for a great team, a mission you can stand behind, and a culture that breathes life.

But don't stop there.
Be the person who:

- Gives credit
- Has a bias for action
- Chooses to lead without a title.
- Praises the efforts and success of others.
- Isn't waiting to be asked to serve but creates opportunities to serve.

You're not just a recipient of great culture.
You're crafting it—every day.

How else can someone be the solution to a better culture?

If you want to work remotely, that's great.

If you want a hybrid workplace, that's awesome.

If you want to return to the office to be present with people, wonderful.

If you want to quit and work for a remote company, go for it.

If you want to bring everybody back from their home offices, own up to it.

If you want to go to a 4-day work week, that's also cool.

So many people are trying to fortune-tell the future of work.

Many are trying to push their version of success on others.

They pretend that one way of working is better or superior to the other.

Stop believing everyone's opinions.

You live in the digital revolution, which provides many options.

Determine the direction of your life and what works best for you this season.
Then get after it!

Be faithful no matter where you work.
That's true success.

99% of people overcomplicate career moves.

So, in 2023, I simplified the riskiest career decision of my life. 

What they won't teach you in school or corporate America is that all you need is:

1. Direction - where do you want to go in life? 
2. Anti-goals - what are you not willing to give up?
3. Convictions - Why and what must you do no matter what?
4. People - whom do you have as your personal board of advisors?

Things you don't need:

1. To listen to your heart.
2. 5 & 10-year plans.
3. Large network.

The key is to decide on your career before you need to choose. 

And no matter what, be excellent and intentional. 

Because none of this matters if you suck at your work.

What would you add to this career decision framework?

After 13 years in medical sales (17 total in sales), I've had to reinvent my career several times. 

I have been demoted, stuck, and promoted. 

I have represented large brands and startups. 

Every time, it has come down to these basic but powerful habits. 

Here are the 17 powerful habits of high-impact salespeople:

1. Focus on what you can control: your attitude & actions
2. Learn to say, "I don't know, but let me find out." 
3" Give, don't take. Give away your time, expertise, & self. 
4. The day starts the night before. Wake up to execute. 
5. Practice patience, not passivity. Growth takes time. 
6. Like navy seals, train with a pod of peers. 
7. Sundays are for strategy. Plan an ideal week.
8. Get aligned every quarter with your values and mission
9. Always be checking in on your character. 
10. Do what you say you will do, even if it costs you. 
11. First impressions are for impact, not to impress. 
12. Time block high revenue activities. Ruthlessly stick to it
13. Send a weekly highlight report to your boss. 
14. Send a weekly lessons learned report to your team. 
15. End each day with a self-assessment review of yourself.
16. Solve big problems instead of reacting to fire drills.  
17. Go beyond the transaction and seek to enrich lives. 

Medical sales, and all sales, is more than hitting quota. 

It's about becoming the person you would rave about doing business with. 

What did I miss? 

--
♻️ Repost to help your network become a high-impact salesperson
➕ Follow for more tips on how to grow your sales career

The best sales leaders don't obsess over numbers. 

They obsess over people (and their growth). 

Here's a simple playbook for developing your people: 

> Invest in everyone, not just top performers.
> Be the leader you wished you had.
> Know your people's strengths & weaknesses (personal SWOT).
Create an actionable development plan that drives better paychecks.
> Become a broken record with the company's mission, values, and vision.
Connect people's "why" to the company's purpose.
> Coach, don't command.
> Delegate to grow people, not just clear your plate.
> Lead from the trenches with daily rep face time.
> Make 1:1s sacred (& follow through).
> Celebrate effort, not just results.

The math is simple:
Better people = better culture = better results. 

Choose people over profit because people matter more. The byproduct? They generate profit. 

Do you agree?

Character is king. 

You can't fake true character. 

The truth of one's character is revealed in time.

Trust me when I say:

- mastering influence
- excelling in your role
- crafting solutions as a niche
- teaching others to create success

And above all, being worthy of remark...

Will make it 100x easier to get promoted.

Waiting for an opportunity isn’t reliable. Go create a demand for your skills.

The sales boss who kills careers obsesses over numbers. 

Instead of the growth of their people. 

This is especially true in medical device sales, where companies want market share at the expense of people.  

That's why they obsess over acquiring managers and not leaders. 

Leaders help people grow. 

Sales leadership needs to stop:

❌ Managing spreadsheets
❌ Celebrating ONLY the quota achievers
❌ Compromising culture for short-term wins
❌ Measuring success by one bad quarter report

Instead leaders do the following:

✅ Help their salespeople make SMARTER goals
✅ Help align their goals with the company's purpose and goals
✅ Have clear expectations and stop micromanaging
✅ Recognize growth moments that build character
✅ Invest in their potential even when it costs you today
✅ Measure success by their consistency and direction

The leaders who get this right are the ones who:

↳ Ask more questions of their people (they care about them)
↳ Spend more time coaching and practicing
↳ See potential in people before they see it in themselves
↳ Build careers, not just quarterly results

I've watched this play out over and over.

When you care about the people you care for more than just their numbers. 

You want people not just to hit their targets because they have to. 
You want them to crust it because they want to, and they are bought in. 

What's the most impactful way a leader has invested in your growth?

♻️ Repost if you believe in people-first leadership
➕ Follow for more insights on better sales leadership

Caring isn't a strategy you implement. 

It is a lifestyle you embody daily.

So stop acting like you care. Start actually caring. 

❌ Don't perform empathy for your team 
✅ Genuinely invest in their growth

❌ Don't fake interest in customers
 ✅ Detach from profit and connect as humans

❌ Don't care for the applause 
✅ Care because it's a person you can impact

If you feel you are acting, tell yourself to care genuinely.

Do the work to make an impact, not just to impress.

What's one way to embody authentic care?

♻️ Repost to create a more caring world
➕ Follow and like for more unconventional musings

The most dangerous attitude in sales?

"I already know that" or "I don't need help."

I've seen sales careers, especially med sales, crash and burn with that attitude.

Earlier in my career, I saw my own ego get me demoted because of words like that.  

I've seen the most talented salespeople miss opportunities because of that attitude. 

Here's what I've learned about success in sales:

The moment you think you know it all or don't need help, you've already lost.

The top performers who succeed in the long run are the ones who:

↳ Still walk through their checklist before time with a customer
↳ Invite teammates to review your performance
↳ Ask "what would you have done differently?" after every encounter
↳ Read and learn daily
↳ Do not defend against correction from leadership

You only learn from every conversation in the field if you have a humble attitude.

An attitude that wants to improve. 
Craves to learn. 
Never comfortable. 
Is teachable. 

Being humble means:
- You haven't arrived (& never will)
- You can't get there without others

It's not about being weak.
It's about being wise.

Sales is hard and competitive. 

But if you stay teachable and humble
You'll overcome.

Choose a leader instead of a job. 

The wrong manager can hold your career back for years. 

The right managers see your potential, help you unlock your potential, and champion your promotion. 

The best leaders are agnostic to the logo they represent. 
They are believers in the people they are responsible for. 

The best managers prioritize people first, then profit. 

I've worked for great leaders. 

- They believed I had potential.
- They asked about my wife & children. 
- They invested in me even when I deserved to be fired. 
- They designed comp plans around revenue goals, not quota.
- They created roles to solve problems that fit my passion and strengths. 
- They listened - and did not turn on me - when I considered outside offers.

I once struggled because I wasn't sure I wanted to be in this industry. 
My leaders noticed my decreasing excitement, put their arms around me, and said, "Where do you want to be? We'll help you get there." 

They are why I stayed when I was offered better financial offers. 
They are the reason I haven't quit the medical device industry.

Ultimately, their leadership has produced several promotions for me, bigger paychecks, and once-in-a-lifetime career opportunities. 

Choose leaders who want to see you grow today. 

Agree? Let me know your thoughts👇

The best ideas don't come from dreadful meetings. 

More brainstorming on a whiteboard won't move your business forward. 

Ideas matter.
All great things started with an idea. 
That was executed. Iterated. Reshipped. 

Whether ideas to improve the workplace.
Or ideas for new products or companies. 

Ideas accelerated my career. 

I went from being demoted to an accelerated promotion track due to the high-impact ideas I brought to the table and executed. 

But if you never make time to break away to generate ideas, you'll never make time to execute them. 

Here's my Idea OS:

1) Get outside
> Find a happy place. 
> Schedule it during the best time. 
> For me, it's sunrise mornings in the hills and trails behind my house. 

2) Have a plan
> Have an exercise plan: you can walk, ruck, or run
> Have a thinking plan: what are you listening to? Podcast? Music? Audio book?
> For me, it's whatever I am working on or wanting to create. 

3) Come prepared
> I get to my happy place and set time with juices already flowing.
> This means I have already read, prayed, and prepared my heart. 
> Getting out and moving takes it to the next level. 
> Bring the right tools: notepad & pen, notes app, podcast app, etc. 

4) Capture
> When an idea or thought arrives that I want to capture, I pause. 
> I use Ali Abdaal's Voicepal app to record and transcribe all my thoughts. 

5) Create
> Don't just waste this session by doing nothing after the fact. 
> When resolve is high, take action. 
> Make a plan to outline the next steps of the best and most crucial idea you had. 
> Take a step to execute the first thing in that idea. 
> Schedule the following steps. 

Commit to a place and time to get outside and move. 
Chart a course for your time there. 
Capture what matters most. 
Commit to execution. 
Craft a plan around the most essential idea. 
Create and execute. 

For me, not one week goes by without me getting out there at least once. 

What are your favorite ways to get your creative juices flowing? 

♻️ Repost to help your tribe ditch meetings and be more creative. 

Follow Francisco Martinez for more insights like this.

The brutal sales career truth about quota achievement, presidents club, and MBAs:

None of these buys you job security. 

My first year of quota achievement actually got me a demotion.

I was putting up solid numbers. But my attitude? 

 Not helpful. Not responsive. Not aligned with what leadership needed from me.

That demotion was a wake-up call.

Being a top performer doesn't make you irreplaceable.

Showing up consistently with results, character, and attitude buys you security. 

Consistency is hard because it requires discipline.
It requires being a person of high character.
Someone true to their word.

Knowledge is abundant.
Tricks and Hacks are everywhere. 
Dependability is scarce.

Once I changed my attitude, everything changed:

- I became someone leadership could count on.
- I showed up for my team, not just my quota.
- I did what I said I would do, even when it cost me.
- I stopped chasing numbers and started building trust.

My career not only recovered, but it also skyrocketed. 
Then I earned endless opportunities from within and from other companies. 

Instead of focusing on bigger numbers, ask yourself: "Am I someone people can truly count on?"

What's one way you've seen reliability beat raw talent?

Don't quit. Don't give up. Turn that frustration around. 

Success is not a corner office, a title, or a bigger role. 

Thinking vanity metrics measured success almost destroyed my career. 

Thinking I could impact lives if I had that bigger role hindered my effort. 

I realized that it wasn't my managers keeping me from bigger and better things. 
It was me. 

Once I chose to be a salesblazer, making positive change happen right where I was and leading without a title, my career blossomed. 

Here's the mindset that finds success with or without titles:

- You make change happen for the sake of others. 
- You initiate solving common problems your way. 
- You think beyond your role. Create a rising tide. 
- You are willing to ask for help from your tribe.
- You are faithful with what you've been given.
- You detach from outcomes. Create systems. 
- You know what makes you unique. 
- You don't hate small beginnings.
- You adopt the 12-week year. 
- You aim to work hard. 
- You excel. 

The result? 

You build an impactful and successful career.

The most impactful leaders are the ones who serve. 

Leadership is not a license to do less but a responsibility to serve. 

But everyone gets servant leadership wrong.

It's not about being willing to serve.

But initiating acts of service.

Change from this:

- "If there is any way I can help you let me know."
- "I love helping and serving others."
- "Tell me how I can help."
- "Do you need any help?"

Initiate service this way:

- "I see the best way I can help you is by option a or option b. Which one is it?"
- "You have a lot going on. I am going to take this off your plate."
- "I knew you would say you didn't need help, but I showed up anyway and am ready for you to put me to work."

Most people will not ask for help or say they need it, even if you ask.

Servant-leaders know this and create ways to serve and surprise others.

How will you create opportunities to serve others next week?

Pashman Financial LLC

I help sales reps and equity compensated employees to make sure they don't spend their entire commission check in the Bahamas. Putting tailored plans together to put a purpose behind their paychecks. You worked hard for your commission check. Now make it work as hard as you did to earn it.

Made the shift from fee-based to fee-only in an effort to better serve clients.

Financial Planner (Fee Only)

One Wealth Management Financial & Insurance Services

•Examining client's expenses, income, insurance coverage, financial objectives, tax status, risk tolerance, or other information needed to develop a financial plan.
•Answering client questions about financial plans and strategies and giving financial advice.
•Advising strategies for clients in investment planning, insurance coverage, cash management and other areas to help them reach financial objectives.
•Reviewing client accounts and plans on a regular basis to understand if life or economic changes, situational concerns, or financial performance necessitate changes in their plan.
•Analyzing financial data received from clients to develop strategies for meeting clients' financial goals.
•Preparing or interpreting financial document summaries, investment performance reports and income projections for clients.
•Implementing financial plans or referring clients to professionals who can help them.
•Managing and updating client portfolios.

Financial Advisor

Northwestern Mutual

General Support:
– Transcribing and/or processing dictation , processing correspondence, maintaining client case files, and filing performance reports, account forms, and other advisory paperwork
– Maintaining annual review notes and mailing annual review letters to clients;
– Monitoring and stocking marketing materials for Signature advisory programs
– Monitoring industry trends and research
Proposal and Case Preparation:
– Prospecting on behalf of the employing WMA for new clients
– Preparing and modifying PPA/PNA’s and investment/advisory proposals
– Preparing investment policy statement, needs-based analysis, or financial plan
– Recommending fund portfolio options.
Processing Accounts:
– Preparing and processing all paperwork needed for investment/advisory accounts;
– Monitoring, processing, and following up on asset transfers and on initial and subsequent funding of advisory accounts;
– Implementing initial and subsequent asset allocation trades
– Identifying need for switch letter and mailing appropriate forms to clients; discussing potential rollover opportunities from other retirement plans for variable and mutual funds
– Monitoring holdings for program eligibility and administering advisory accounts.
Advisory Client Meetings:
– Meeting with advisory clients for fact finding and conducting existing advisory client reviews
– Completing risk tolerance (personal profile) questionnaire with client
– Participating in client meetings for financial or investment plan development or presentation
Client Service:
– Corresponding with clients to handle advisory-related service issues
– Contacting clients on behalf of the Wealth Management Advisor for the purpose of developing advisory plan
– Formulating advisory product solutions to/for a client or explaining advisory products or advisory performance
– Accepting redemptions/withdrawals from clients and communicating instructions to home office;
– Discussing tax consequences, costs, and advisory fees

Associate Financial Advisor

Investor Relations Partners

-Investor relations and financial communications created to assist clients address valuation. 
-Development of earnings communications, press releases, corporate presentations, financial strategies, professional profiles, fact sheets, annual/quarterly shareholder reports, investor targeting , perception studies, investor conferences, and media relations.
-Always cooperating and involved with assistance during unexpected shocks/crises with management and provides next-step strategic approaches.
-Contacts top publications nationwide to arrange interview with client in order to increase exposure and market valuation on Wall Street

Investor Relations Representative

Julep Bar

-Provide appropriate music for a specific nightlife audience
-Promotion and organization of events through social media
-Responsible for lighting configuration, sound check, and preparing equipment for the venue
-Assistance with booking artists and popular figures

Event Planning Assistant

Cedars-Sinai

- Responsible for transferring and organizing 20 years worth of cases
- Lead research, planning and development of comprehensive digital programs
- Work with a social media team to develop and manage ongoing media marketing plans for  campaign
- Participated in research through Spinal Journal
- Proficient with syndicated research and social media monitoring tools with ability to use these tools to inform ad and campaign design.

Assistant

Financial planning and education (without the jargon) I Creating blueprints for high-earning sales executives and business owners

I left the financial industry because I saw a problem.

People wanted to work with a planner, but they ended up becoming a number on a spreadsheet.

I had to leave to start something new.

And now?

I'm a fee-only planner who helps salespeople & equity compensated employees under 45 give a purpose to their paycheck.

I left the large financial institutions to start my own independent company. I did it so people could pay for real planning and not just an agenda to sell a hidden product. 

As a true fiduciary, Pashman Financial, LLC was built on that promise by focusing on you and you only.

🔵 Why people hire me? 

Well, people have come to me with the following problems:

- They want peace of mind with their money
- Their old advisor barely communicates with them
- They want an answer tailored to them, not from Google
- They felt pressured to buy a product that wasn't a right fit
- They are great at making money but struggle to keep it
- They want a simple plan that's easy to understand
- They want someone to hold them accountable
- They want someone they can trust

🔵 What are my services?

I help identify your goals, craft a financial blueprint that lays out action items to hit them, and monitor your progress. 

💵 Cash Flow Management  
📈 Equity Compensation
🏡 Real Estate Planning
📊 Investment Planning
📍 Retirement Planning
🛡 Insurance Planning
📚 Education Planning
💲 Tax Management
💳 Debt Repayment
📃 Estate Planning

🔵 Who do I serve?

Age: Individuals and families between 30-50 years old
Target: Sales pros, tech employees, other millennial families
Location: Virtually anywhere in the U.S.

But I love working with people that are driven to make a change. So even if you don’t fit these criteria, feel free to reach out. Your personality is everything. 

🔵 Why I'm different?

1) My model is primarily a flat fee service. No time trap. 

2) I do not require you to hand over your investments nor require a minimum to work with. Managing your assets is optional and I'll still assist you if you do it yourself. My focus is ongoing financial planning. 

3) I focus on how to increase your cash flow, not just your assets. I work with you to ensure your systems are set and consistently educate you on how your finances work. I get paid to truly keep you accountable over time.

You can find my pricing in my "featured" section on the website. 

Stop delaying action. Shoot me a message to schedule a complimentary intro.

Max Pashman, CFP®

Renting is not a waste of money 
Renting is not a waste of money
Renting is not a waste of money
Renting is not a waste of money
Renting is not a waste of money

It isn’t always “throwing money away”.

In fact, it’s an option that offers flexibility.

It’s avoiding being locked into a mortgage you’re not financially or emotionally ready for.

People underestimate how costly the wrong home purchase can be.

Better to stretch on rent than get trapped by a mortgage you can’t afford.

Helping Founders and Executives Plan for Early Retirement and Exit

Most have no clue what a write-off does.

Here's a quick breakdown of what it is:

A write-off is merely a deduction.

So use the example:

→ You get a $20,000 expense to write off
 → If your income starts at $200,000?
 → It gets lowered to $180,000
 → So what does that mean?

Here's what it does not mean:

IT DOES NOT MEAN $20,000 LESS TAXES.

A deduction does one thing:
Reduces income taxable.

In this case, a single person in 2025:
(Using only federal taxes in this example)

→ The entire $20,000 is in the 32% bracket
 → The amount taxed? $6,400 federal
 → So with the taxes saved?
 → You netted - $13,600

So yes, you saved more in taxes.

But you still spent money in the end.

It's not a dollar-for-dollar save.

It's a reduction in income taxed.

Big difference!

Note: Post is purely educational and not financial or tax advice*

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Your employer offers you a $200,000 salary. 

But also offers a $200,000 bonus with it.

When you get the bonus, it's taxed just like your salary. 

Except it's withheld completely different from it. 

One question you should always ask:

What will you do with the bonus?

Option 1: Spend it
Option 2: Save it in cash
Option 3: Invest in your company's stock
Option 4: Invest it into your portfolio

No matter what happens, that bonus gets taxed when it vests. 

And if you haven't figured it out by now, I'm not talking about a bonus.

Welcome to planning around Restricted Stock Units (RSUs) 101

People spend roughly $200 a plate for a Thanksgiving dinner. If they took that $100 and invested it in the market over 30 years you would have made nah I’m just kidding have a great Thanksgiving everyone!

90% of parents plan to invest for their kids, but are clueless where. 
 
Here are the full details of common accounts to consider:
 
#1 529 Plan 
 
Usually the first option people think of when planning for their kids. 
 
This is the traditional go-to if you know your kid is going to college. 
 
The reason being is that it provides tax advantages specifically for educational needs. 
 
Pros of 529: 
 
-Earnings are tax-free when used for qualified educational expenses 
-Can front load up to 5x normal contributions 
($19,000 X 5 = $95,000 per contributor) 
-May offer a state deduction depending on the state 
 
Cons of 529: 
 
-If not used for education, earnings are taxed + hit with a 10% tax penalty 
-Limited investments options available 
-Expense ratios could be high 
 
 
#2 UTMA / UGMA 
 
Don't think the funds will be used for college? 
 
One of the most popular alternatives is a UTMA / UGMA. 
 
It can be a good way to provide a nest egg for the future. 
 
Pros of UTMA/UGMA: 
 
-A vehicle that could be used to teach your kids about personal finance 
-Can be used for any purpose and not just their education 
-Exempted from paying a gift tax up to $19,000 / year 
 
Cons of UTMA/UGMA: 
 
-Hurts financial aid as a kids asset and is subject to kiddie taxes 
-Contributions are irrevocable (cannot be taken back) 
-Funds MUST be given to kids when they are 18-21 depending on the state 
 
#3 Custodial Roth IRA 
 
Who doesn’t love a Roth? 
 
Now you can provide one for your child. 
 
This is a unique way to build tax-free money that’s partially accessible penalty-free before retirement. 
 
(Partially is the key word here) 
 
Pros of Custodial Roth IRA: 
 
-Not included in the financial aid calculation 
-Access to contributions are penalty free 
-Earnings are penalty free and/or tax free if requirements are met 
 
Cons of Custodial IRA: 
 
-Restrictions on earnings withdrawals 
-Retirement is a very low priority for an 18 year 
-Full control is given to the child by 18/21 (like a UTMA / UGMA) 
- Child must also earn income to contribute
 
#4 Brokerage (Under Parent's Name)
 
While it doesn’t have many tax benefits, it offers flexibility. 
 
You may not know what to do with your kid's future, so this provides options open to you. 
 
This also gives you control over how to invest and when to gift. 
 
Pros of Brokerage: 
 
-Flexibility around managing and investing 
-No penalties for withdrawals 
-Capital gains tax treatment 
 
Cons of Brokerage: 
 
-No deductions 
-Dividends and trades are taxable in the year received & realized 
-Could be subject to kiddie tax if funds gifted before their adulthood 
 
What works for you will depend on your situation. 

Choose the accounts that fit for your kids! 

- - - - - - - - - - - - -

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"Let's circle back after the holidays"

1st Follow Up: I meant after Christmas

Next Follow Up: Sorry I really meant after Valentines Day

Next Follow Up: Yeah I meant my CPA's tax holiday season

Next Follow Up: Oh whoops I'm on Holiday for the entire summer

Next Follow Up: Scary the year went by! Speaking of which, I meant after Halloween

Next Follow Up: Who are you? Oh yeah. Let's circle back after the holidays.

Major changes are coming to your finances in 2026. 

Here's everything you need to know:

Every year, the IRS adjusts contribution limits to keep pace with inflation, but 2026 is shaping up to bring some of the most notable increases in recent memory. If you're planning ahead for retirement, these updates matter.

→ Workplace Retirement Plans (401(k), 403(b), 457)

2025: $23,500
2026: $24,500

Catch-Up (50+): increasing from $7,500 to $8,000 (up to $11,250 depending on income)

→ Traditional & Roth IRA

2025: $7,000
2026: $7,500

Catch-Up (50+): increasing from $1,000 to $1,100

→ SIMPLE IRA

2025: $16,500
2026: $17,000

Catch-Up: increasing from $3,500 to $4,000 (up to $5,250 depending on income)

→ Health Savings Account (HSA)

2025:
• Individual: $4,300
• Family: $8,550

2026:
• Individual: $4,400
• Family: $8,750

Catch-Up (55+): remains $1,000

→ What this means for you

Higher contribution limits create more room to lower taxable income, increase long-term investment potential, and accelerate progress toward retirement. 

Even incremental annual increases compound significantly over time.

If you want 2026 to be a year where you maximize your financial opportunities, start planning now.

If you need help building a contribution strategy that aligns with your goals, reach out and let’s talk.

Today: Shirt worth $100

Black Friday next week: “50% OFF! Now $100!”

 What a steal.

Your friend sells iPhones for $1,000.

You decide to buy an iPhone from your friend.

Your friend says to you:

"Hey you're my friend so I'll give you a 15% discount and let you buy it for $850."

You buy the iPhone for $850.

Because of the high demand for these iPhones, this iPhone has the potential to increase its value or lower it.

And people right now are willing to buy them for $1,000.

You have two choices:

Option 1) Hold on the iPhone and see it's value go up or down

Option 2) Sell it immediately and pocket that $150 profit

All of which depends on a couple of factors:

- Your financial situation
- Your desired exposure
- Your risk appetite
- Blackout periods

And if you haven't figured it out by now, I'm not talking about iPhones.

Welcome to Employee Stock Purchase Plans (ESPP) 101.

52% of families are unprepared for an unplanned expense. 
 
Here's how you can better prepare for it:

Create a safety net in your plan.

AKA an emergency fund. 
 
Doing so for three reasons:
 
-> Access to short-term funds 
-> Avoid tapping into long-term funds 
-> To prevent you from taking on more debt 
 
The chart you see is one that I put together. 
 
I love to incorporate multiple variables to identify the right number. 
 
These are just some examples. 
 
And just my personal take on what I've seen. 
 
You may only need 3 months, but you want 12 months for peace of mind. 
 
The point is that while the 3-6 month rule is a good benchmark, it's also flexible. 
 
Choose the amount that fits your profile. 
 
It's an insurance policy for your goals.

Don't go into a food coma with your money. 
 
Here's what most miss about finances: 
 
It's not about the fancy stuff. 
 
Investing is awesome. 
So are the investments. 
And so are the vehicles. 
 
But individually, they mean nothing. 
 
The combination of them does. 
 
Things that should be considered: 
 
- Why you have them? 
- How do they work with one another? 
- What role they play with your goals? 
- Where does you money work?] 
- When do you need it? 
 
By having the right plan, you can put a purpose to your paycheck. 
 
You wouldn't wing a Thanksgiving dinner. 
 
Neither should you with your finances.

Happy Thanksgiving!

You have Chat GPT for find your answers.
You have Perplexity to find your answers.
You have Gemini to find you answers. 

Yet, you haven't made changes.

Or worse, left wondering what you need to change now. 

Things like:

- Set up automated investing systems
- Build a savings plan for your next home
- Make a debt payoff plan you can stick to
- Build a real equity plan (RSUs, ISOs, ESPPs)
- Create a tax plan for bonuses and RSU vests
- Build a simple spending plan that actually works
- Optimize your account order (taxable, 401k, Roth, HSA)
- Review insurance needs without selling you insurance
- Optimize self-employed taxes and retirement plans
- Run long-term projections for major decisions
- Turn vague financial goals into real numbers
- Review your full financial picture for gaps
- Set up a smart charitable giving strategy
- Create an early retirement roadmap

In other, words you haven't taken action... yet.

We're entering an interesting era of paralysis by analysis. 

We're getting more well informed about our finances thanks to AI.

But the lack of action continues to remain with humans. 

Let's make 2026 our goal to it implement together.

It takes a human to know a human after all.

When you need help, DM me.

If I were a DIY investor, these are the platforms I'd be using:

- Banking: Chase
- Investing Platform: Fidelity / Vanguard
- HYSA: Betterment / Wealthfront / Marcus
- Bill Management: Rocket Money
- CC Comparison: Points Guy
- Tracking Progress: Monarch
- Estate Planning: Trust&Will.com
- Life Insurance: Ladder Life
- Donations: Daffy.org
- Budgeting: YNAB

None of these companies paid me to write this. 

I genuinely like the areas that help DIY investors here. 

One area I did not include: retirement software. 

I personally believe that without the right expertise, this is the hardest to execute on your own.

Despite all the things you can do on your own, I think getting a second set of eyes for areas like retirement planning, equity compensation, tax planning, and exit planning needs the expertise of an advisor.

Which tools do you use?

SpaceX is rumored to IPO at a $1.5 trillion valuation.

While great for employees, it could also be a tax nightmare. 

Take Timmy, for example.

He got 10,000 ISOs back when the company was tiny.

Strike price? 10 cents a share.

Meaning he could buy everything for just $1,000
(10,000 × $0.10)

Fast forward.

SpaceX becomes one of the most valuable private companies in the world.
The latest 409A valuation hits $200/share.

So on paper?

Timmy’s options are worth $2 million.
($200 × 10,000)

He hasn’t exercised yet.

Then, like many employees do, he accepts another job.

And suddenly, the countdown starts.

Most companies give you 90 days after leaving to exercise ISOs before they turn into NSOs.

So Timmy rushes.

He exercises everything in December 2025.

Pays the $1,000 strike price.
No regular tax due at exercise.
He now owns the shares.

Feels amazing.

Until tax season.

Timmy discovers he owes over $500,000 in AMT.

Because AMT treats the bargain he got:

($200 FMV – $0.10 strike) × 10,000 = $1.999 million as income for AMT purposes.

Here’s where SpaceX employees could run into the same problem:

Even if SpaceX IPOs in 2026?

You still can’t sell right away.

Because:

- Newly public companies have insider lockup/blackout periods
- Employees often can’t sell for 6 months or more after IPO
- Pre-IPO shares may have transfer restrictions
- Early investors usually get liquidity before employees

So imagine Timmy:

- He exercised in December to beat termination deadlines.
- He triggered a huge AMT bill on paper gains.
- The IPO happens in 2026, great!
- But he’s still locked up and cannot sell.

Meaning:

The AMT bill is due in April 2026

The shares still aren’t liquid.

He might not be able to sell until late 2026 or even 2027.

This turns from a dream to a nightmare.

This exact sequence has happened before at other rocket-ship startups.

Let’s pause:

Timmy is not a real person.
(This is a hypothetical scenario after all)

But problems like this?
Not made up either.

And it’s preventable.

Here’s what Timmy could have done:

- Run an AMT forecast before exercising
- Exercise earlier when the valuation was far lower
- Exercise gradually instead of all at once
- Plan for liquidity timing around IPO + blackout periods
- Keep cash on hand for any AMT exposure
- Or choose not to exercise at all

And one more nuance:

Even if you owe AMT, you may recover some through the AMT credit, but only if the stock eventually sells for a gain.

If the price drops before he can sell?

The AMT is gone forever.

That’s why ISO planning matters.

Equity can be life-changing.

Or financially devastating.

The difference isn’t the IPO.

It’s the strategy leading up to it.

So if you’re at SpaceX, or any pre-IPO company, run the numbers before exercising.

Don’t end up like Timmy.

Dear LinkedIn,

Show everyone's impression count. 

Sincerely, 
Literally Everyone

64% of adults fear outliving their money more than death.

But most haven't heard the 4% Rule. Here's how it works:

It was a rule created to help retirees determine the amount they can take out.

It was intended to give people a guideline on what to aim for. 

The rule is pretty straightforward. 

In the first year, take out 4% of the portfolio. 

Then adjust that dollar amount for inflation annually after. 

It was originally tested with a couple of parameters:

- For a 65 year old (25-30 year retirement)
- Allocation with 50% stocks / 50% bonds
- Tested in a worst-case scenario

Using historical data, the rule was determined to give retirees a safe number to stick with. 

Is it completely flawless?

Not entirely. 

Many things can have an impact like:

- Inflation
- Economy moving forward
- Your unexpected variables to your situation

This is why the 4% rule is more of a reference than a final say. 

But it is a great guideline for a quick calculation to see your number. 

In reality, you will need a financial planner to help you out here. 

You need to evaluate variables such as:

- The timing of your retirement
- How long your retirement will be
- How your portfolio will be allocated 
- What other sources of income do you have
- What is the economy in your first year 
- What other goals will impact it
- And much, much more

When you need a quick number, you can use this freely.

But when you need the answer to work for you?

Seek a consultation from a financial planner. 

We're here to help when you're ready!


And if you want to see more helpful visuals like this, check out the newsletter with more details behind how they can help you.

Check it out here:

https://lnkd.in/gJC9mTQH

The average personal savings rate was about 8.4%.

As we wrap the year up, it's time to finish strong.

So let me hear from you, how much have you saved this year?

If so, where have you allocated your dollars towards?

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