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

Don't be the sales boss who kills careers.

Be the one who:

1) Prepares people for future promotion
2) Takes on the blame for their team
3) Gives credit where credit is due
4) Champions people behind closed doors
5) Knows their purpose and passions
6) Teaches sales principles on repeat
7) Allows for personalized sales processes 
8) Invests in their development
9) Helps align their revenue goals with team goals
10) Follows up on 1-on-1 meetings

Because when your team knows you have their back,

Everything changes.

They trust you more.
They take bold risks.
They own their growth.
They grow faster.

And they stick around longer.

Because you make it hard for them ever to want to leave. 

Your job isn't to hoard all the success. 

It's about building a room full of people you want to support and setting them up to win in sales and life. 

Be the boss who doesn't just want their team to be successful,

But who puts in the work to make it happen. 

Have you had a boss like this?

---

♻️ Repost to encourage people-first leadership.

And follow me, Francisco Martinez, for more leadership content

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

Find a leader to work for. Not a job to do. 

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, even though I was offered better pay elsewhere. 
They are the reason I haven't quit the medical device industry.

Ultimately, their leadership has led to several promotions, bigger paychecks, and once-in-a-lifetime career opportunities. 

Choose leaders who want to see you grow today. 

Agree? Let me know your thoughts👇

If you're only trying to get smarter, AI will replace you. 

Because the best leaders aren't the smartest in the room. But...

AI will never be able to replace people trying to get wiser. 

Here's why:

🤖 AI gives you infinite knowledge at your fingertips. 
🦉 Wisdom helps you know what to ignore.

🤖 AI generates faster answers. 
🦉 Wisdom helps you patiently listen to others.

🤖 AI follows the prompt you give it. 
🦉 Wisdom teaches you how to ask the best questions.

🤖 AI can give you the most probable outcome. 
🦉 Wisdom gives you the courage to do what seems improbable. 

🤖 AI can summarize a meeting. 
🦉 Wisdom reads the room AI can't see.

🤖 AI collects data at scale. 
🦉 Wisdom connects dots others can't see.

🤖 AI can study human emotions. 
🦉 Wisdom helps you see and feel where people are at. 

The leaders who are being promoted right now aren't the ones with the best AI tools.

They're the ones who know when to follow the data and when to go with their instincts. 

AI is a multiplier. But it multiplies whatever you bring to it.

Bring knowledge, you'll get more information. 
Bring Wisdom, you'll get better decisions.

Stop learning more with AI. 
Start cultivating the Wisdom to use it well.

Your career will thank you.

How are you balancing the wealth of information AI brings? 👇

--

♻️ Repost to help your tribe lead wisely in the AI era 
➕ Follow Francisco Martinez for more leadership insights

It's not your fault that you aren't getting promoted.

Companies love to promote the wrong people: 

People with seniority, big numbers, and loud mouths. 

But don't let that stop you from getting promoted the right way.

Promotion the right way is simple.
It's not about being extraordinary. 
Nor is it about being high performing. 

It's about being a high-impact person. 

High-impact people don't chase what others chase:

🏷 Executive titles
🏢 The corner office
👏 Praise and recognition
🎓 Fancy MBA degrees

High-impact people are simply leaders without titles. 

Lead where you are. 

No hierarchy.
No entitlement.
No permission needed.

✅ Seek impact, not impressions.
✅ Take initiative when others are complacent.
✅ Pursue excellence when no one's watching.
✅ Lift morale when others stick to themselves.

The gap between insignificance and influence shouldn't be authority.

It's the choice to become the leader you wish you had.

What do you think?

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?

Stop faking you are a "team player" just to get promoted. 

True leaders give for the joy of creating value for others. 

That was my biggest mistake I made in my 17 years of building an influential sales career:

Not being generous.
Not monetarily, that's easy.
But sacrificial with everything else.

Now, I give away my:

- Expertise to customers with zero strings attached
- Strengths & skills to develop others
- Time in the trenches with our reps
- Ideas to improve our organization

Giving binds people into a community.

True leaders don't give to get but to inspire others to bring their best efforts to this world in accomplishing good things that bless others. 

What steps can you take to advance the world around you?

Character is king. 

Character > Competency.
Character > Credentials. 
Character > Commissions. 

Character lasts forever.

Francisco Martinez (Out of Office)

If you want to get promoted in 2026, stop acting like your boss and start acting like a true leader. 

Know the differences between a sales boss and a true leader (and how to apply these now to earn a promotion):

1 - Stop criticizing teammates and start praising

🚫 Bosses criticize in public and praise in private. 
☑️ True leaders do the inverse. 
✅ So train yourself to see the good in others and encourage and praise them.

2 - Be an example worth following

🚫 Sales bosses drag their people across the finish line
☑️ Sales leaders inspire their people to success by showing them the way. 
✅ Master the basics of your sales job and help elevate your teammates. 

3 - Own your development

🚫 Sales bosses dictate plans. 
☑️ True leaders develop people. 
✅ Take ownership of your role. Don't have SOPs on what's expected? 
- Ask what's expected of you. 
- Create your own SOPs. 
- Don't wait for instructions. 

4 - Embrace an owner's mentality

🚫 Sales bosses are ruthless taskmasters. 
☑️ Whereas leaders care about outcomes. 
✅ If you want to get promoted, stop asking what you should do next. 
Start asking what results are desired, create a game plan, and execute. 

5 - Trust their team

🚫 Bosses withhold trust
☑️ Leaders give it upfront with guardrails.
✅ I know many sales professionals who withhold information because they want to keep their cards tight to their chest. It never works out in their favor. 
Learn to trust and to give trust. 

6 - Fall on your sword

🚫 Bosses and toxic performers blame everyone else but themselves. 
☑️ Leaders own up to their mistakes. 
✅ The aspiring leader admits defeat, failure, or when they mess up. 

7 - Design how you win

🚫 Bosses demand results but give no instructions on how 
☑️ Leaders design a clear path to winning
✅ If you want to get promoted and have no design on how to win, propose scorecards, create your own, and ask for accountability from your manager. 

8 - Build systems

🚫 Bosses are chaotic and sporadic at best
☑️ Leaders win consistently because they have systems
✅ Design a system with high-revenue habits that help you win consistently. For me, it was my quarterly planning, my weekly plan, my daily system of preparation and follow-up. 

9 - Rely on Reality
🚫 Bosses solely lead reactively on their gut
☑️ The best leaders lean into the data for decisions. 
✅ Aspiring sales leaders, be consistent with your CRM and create impactful dashboards that tell you the truth and show you where your best effort should be spent. 

10 - Communicate thoughtfully

🚫 Bosses don't think before they speak
✅ True leaders use their words wisely. 

11 - Be cool under pressure 

🚫 Bosses create more chaos under pressure.
☑️ The best leaders bring clarity in the midst of chaos. 
✅ Be aware of how you respond to pressure and learn how to grow from it. 
- Make contingency plans before the storm hits. 
- When the storm hits, pause, think, and react. 

Which one has worked the best for you?

After 14 years in medical sales (18 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

Your company will never fully develop your leadership potential. They can't.

Their model only works if you stay productive in your current role — not preparing for your next one.

A great way to close that gap is to develop yourself.

1. Start with WHY you want to lead.

Leadership is about taking people on a mission towards a better future.

2. Align your work, sales pitch, and company mission to your purpose.

Your why inspires passion, but alignment maintains it.

3. Turn on the lights.

Spotlight everyone's shared problem, inspire hope with those who want to fix it, and fix it together.

4. Build a tribe of mentors.

Find one mentor in your organization, 3 mentors outside your org but within your industry, and 5 models you can read that inspire you.

5. Do generous work that makes your colleagues more successful.

Build a reputation as someone who creates value for others, not just climbs ladders.

Stop waiting for your company to prepare you for what's next.

Develop yourself.

What else would you add?

The best way to avoid hitting quota is to plan everything before you start. 

After 18 years of sales, I have learned this the hard way (and a simple fix). 

I'm OCD about having a meticulous sales strategy. 
It has overcome my deficiency in selling skills. 
But it has also paralyzed me. 

So many times, I could've achieved my sales goals so much sooner if it weren't for my overplanning. 

Here's why:

1) Hyper planning is a dopamine hit

It feels like progress, but you haven't moved. 

2) Analysis paralysis is a real thing

Overplanning creates lots of options and freezes your brain when it attempts to take action. 

3) You don't train a bias for action 

You train your brain not to get into the habit of taking action. 

Learn from me, who often gets stuck in the planning phase.

Instead, try this simple fix:

✅ Calculate your ideal revenue goal
- How much money do you want to make this year? 
- Making it personal helps you take more ownership. 
- Just ensure it is aligned with company and team goals

✅ Identify the top opportunities that are right in front of you
- Create an opportunity Eisenhower matrix
- List the top 3 most important opportunities in your high-volume customers (existing business) with High opportunity (more room for growth)
 - Second, find your top 3 low-volume opps with high opportunity (with HOT leads). 

✅ Take the next best step

- Identify the next best step for each opportunity
- And execute. 

You are your worst nightmare. 
Not your boss.
Not the culture you're in.
Not your lack of opportunity. 
You. 

So train yourself to master yourself. 

What's a quick fix you would add to help someone overcome overplanning?

You don't need permission to lead.
You don't need to work 60-hour weeks.
You don't need approval to implement AI.

Don't let anybody tell you otherwise. 

The biggest lies we tell ourselves:

"I need to wait until the culture improves."
"I need to be promoted before I can lead."
"I need to stay in my lane.

Here's the truth:

You have everything you need to make change happen in your company.
The work isn't waiting for permission.
The work is taking responsibility.

How many people do you know who spent years taking orders instead of taking initiative?

The most successful people didn't wait to lead and do great work.

They had a vision.
They took small bets.
They chose to lead and make a change.

Stop waiting to get picked.

Pick yourself and make positive change happen. 

♻️ Repost to help your tribe be the change they wish they had
➕ Follow for more insights on getting unstuck and doing things better.

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?

Being great at sales delays becoming a great leader.

I’ve seen this pattern repeatedly across high-performing teams:

Top sellers get promoted because they hit numbers, then struggle because leadership demands a different operating system.

Selling rewards individual optimization.
Leadership rewards collective progress.

This leadership gap shows up in four quiet skills most high performers miss:

1) Teaching what you know

Top reps protect their competitive edge. Leaders create leverage for all.
If others can’t replicate your success, the team stays dependent on you.

Leaders elevate the entire team to own their success. 

Start small:
Write your sales process end-to-end
Coach one underperformer
Help get them a quick win.

2) Fixing the system, not your pipeline

Sellers ask how to hit their quota.
Leaders ask what’s slowing everyone down.

They create a system that fixes what is holding everyone back. 

3) Holding uncomfortable conversations

Sellers are used to being customer-centric and "appeasing" their customers. 

When leading, it's all about the people until they put themselves in danger.

Can you tell someone their performance isn't good enough? Can you wisely push back on your boss when they're wrong? Can you mediate conflict between teammates?

4) Prioritizing people over personal numbers

Sellers optimize for wins. Leaders optimize for growth.

That means developing others even when it costs you short-term output.

I’ve been the rep who thought quota was enough.
It wasn’t.

Numbers prove you can sell.
They don’t prove you can lead.

Leadership isn’t a title you’re given.
It’s a lifestyle you practice before you’re promoted.

Which of these are you actively avoiding right now?

♻️ Repost to help high performers make the shift to leadership 
➕ Follow Francisco Martinez for daily insights on advancing your sales career

Want to quit your toxic company? Go for it. 

Want to make work easier for your bad boss? That's fine. 

Want to ask for a promotion? Do it. 

Want to jump ship for more pay? More power to you. 

If you are unhappy with the way your career is going or stuck with a mediocre compensation plan, one thing must happen:

Change.

Nothing changes if nothing changes. 

But change must start with yourself. 

- Change your plans. 
- Change your goals. 
- Change your habits.
- Change how you lead.
- Change how you work.
- Change your perception. 
- Change how you treat others.

Stop wishing for your company to change or your boss to leave, and start making change happen in your life and the areas under your control.

What else would you change?

The best way to sell more is to stop worrying about quota. 

Start focusing on these 17 sales habits:

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.

Stop trying to hit quota once. 

Start putting it on self-driving mode by implementing systems. 

James Clear says, "You do not rise to the level of your goals. You fall to the level of your systems." 

Systematic selling reduces anxiety and stress. 

Habits and systems help you win over and over again. 

What habits would you add?

The best leaders don't just get more stuff done 
or try to accomplish more...

They aim to do more good.

So before asking, "Will this have a high ROI?", ask, "Will this accomplish the most good?" 

Start with purpose.
Then align with the profit. 

That's how to ensure your work stays meaningful. 

What do you think?

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 demand for your skills.

"People over profit" is not only for leaders. 

Everyone must learn to choose people over profit.

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®

70% of millionaires currently work with a financial advisor. 

Here's why many end up hiring one. 

They realize that financial planning is more than just a return. 

They also realize they have limited time on their hands. 

Like business owners, they outsource their skills

But there's so much than "what do i invest":

It's about:

- Goal Planning
- Debt Repayment
- Ongoing Education
- Emergency Fund Building
- Cash Flow Management
- Equity Comp. Planning
- Charitable Strategies
- Investment Planning
- Education Planning
- Insurance Planning
- Estate Planning
- Exit Planning
- Tax Planning
- Etc. 

And if your financial planner isn't addressing these properly with you?

It may be time to find a new one.

Helping Founders and Executives Plan for Early Retirement and Exit

It's 2026 and there are people who really believe you shouldn't invest because the stock market is a scam. Glad I ignored that same advice 10 years ago. 

Shout out to the long-term investors who stayed optimistic. 

Here's to the next 10 years for us!

If you have less than $100k, you shouldn't focus on returns.

In fact, it's a waste of your time. Here's why:

Charlie Munger once said:

"The first $100,000 is a b****.... but you gotta do it"

He wasn't talking about just returns, though. 

He was talking about your income. 

How quickly can you get it up there with your paycheck? 

In other words, what you save versus what you return. 

Just look at this example:

A 100% return on $1,000 is $1,000.

But a 10% return on $100,000 is $10,000.

10X less the return, yet 10x the dollar amount. 

And here's the best part about this. 

It's much easier to do the latter. 

In other words, it's much easier to save to $100,000 than trying to get a 1,000% return on an investment.

Not easy, but not impossible either. 

So if you haven't hit that number?

Focus on your savings rate. 

Not just your returns.

The market can wait.

If you grew up watching any of these as a kid:

- Spongebob
- Hey Arnold
- Powerpuff Girls
- That's So Raven
- Boy Meets World
- Hannah Montana
- Dexters Laboratory
- The Magic School Bus
- Fresh Prince of Bel-Air
- Fairly Odd Parents
- Wild Thornberrys
- Jimmy Neutron
- Lizzie McQuire
- Ed Edd n Eddy
- Dragon Ball Z
- Pokemon
- Yu Gi Oh
- All That
- Catdog
- Rugrats
- Arthur
- Doug

It's time to open up a Roth IRA.

75% of Americans regret not investing earlier. 
 
Here is the power of starting early (and the cost of waiting):
 
What you see in the illustration are 4 people: 
 
- 20 year old 
- 30 year old 
- 40 year old 
- 50 year old 
 
Now, as you get older, your income increases. 
 
Therefore, each generation can contribute more. 
 
So I ran a quick calculation. 
 
For ever 10 years, double the contributions. 
 
You can contribute more, but have less time to invest. 
 
Assuming an average return of 7%? 
 
The results are simply remarkable. 
 
A 20-year-old who is dedicated to starting early can outperform those with higher contributions. 
 
That doesn't mean high contributions don't matter. 
 
They absolutely do! 
Especially early on your journey. 
The difference, though, is returns helped. 
 
Over time, those returns made a difference thanks to time. 
 
It's really simple, but holds a huge lesson. 
 
There is power getting off to a good start. 

You should have started sooner. 

But you aren't too late.
 
Don't wait any longer!

Most don't realize they could put up to $72,000 in a Roth. 

Here's the "Mega Backdoor Roth" explained:

Compared to the IRA, the 401 k) has a couple of advantages, including: 
 
- Larger contribution limitations 
- Matching contributions 
- No income limitation 
 
In addition, it still offers a Roth component. 
 
But the part people overlook? 
 
The total contribution limit. 
 
On the employee side, it's $24,500 (2026).
 
Combined with the employer side it's $72,000. 
 
But there is another secret in it. 
 
If your employer allows it, they may permit additional after-tax contributions. 
 
This is taking additional income that has already been taxed and contributing it to a 401(k). 
 
For example: 
 
If the employee contributes $24,500 and the match is $7,500, that's $32,000. 
 
$72,000-$32,000 = $40,000
 
The employee can contribute an extra amount into there. 
 
But that's not where the magic happens. 
 
The magic is what you can do after. 
 
These contributions can be converted to a Roth account. 
 
This can happen in two ways: 
 
1) In-Service Distribution: Make an after-tax contribution + transfer it to an outside Roth IRA 
 
Or 
 
2) In-Plan Roth Conversion: Make after-tax contribution + transfer funds to the Roth 401k of plan 
 
Once again, your employer must allow both after-tax contributions and this type of transfer so check with them first. 
 
This strategy make large contributions to a tax-free account of this size is well known as a "Mega BackDoor Roth". 
 
It's a complicated process so always be sure to coordinate this with a financial professional. 
 
If you're looking to make great strides towards building your future, this is an option you shouldn't overlook. 
 
It's a great vehicle for financial independence.

Note: This is purely educational and should not be considered financial or tax advice. Consult with a professional on your situation before implementing this.

A $300,000+ earner with less than $15,000.

As a financial planner, I've seen more of these inquiries over the last year.

I can't stress this simple message to you all enough:

High income will take you to the next stage of your life. 

Zero planning around it will reverse that.

So when you get a bump in income…

What’s your game plan?

Let’s hear it.

Them: The 401(k) is a scam! 
 
Me: Why do you think that?
 
Them: It's locked until you are 60! 
 
Me: You can get it out early with strategies like 72(t), Rule of 55, Roth Conversion Ladder, and many other reasons. 
 
Them: Well it has high fees! 
 
Me: New 401k providers offer low-cost plans + low-cost funds and you can roll it out later if you really don't like it when you leave. 
 
Them: Well it has limitations! 
 
Me: Yeah but you're talking about $24,500 (2026) for a year, not including the match you get. 
 
Them: Well, the match has a vesting period! 
 
Me: So does equity. It's an incentive and still FREE money in the end. 
 
Them: Well, it was created to supplement your retirement, not fully fund it. 
 
Me: I agree. That's why you don't put all your wealth into a single vehicle and utilize multiple to your advantage.
 
Them: Yeah, well, it's taxed as income at retirement! 
 
Me: Yeah, that's precisely why you get a deduction upfront, and your funds grow tax-deferred, which helps retain wealth over time rather than tax sales and income each year. 
 
Them: Yeah well.... it still sucks! 
 
 
 
Not as many as the excuses made against the 401(k). 
 
It ain't all that bad as people make it to be. 
 
No one claims it will solve all your problems. 
 
But it's not a scam.

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pashman-financial-llc

schooloffinances

Make too much income for a Roth IRA? 
 
Here's how to get around it legally (Updated for 2026!)
 
First, what's the problem? 
 
The Roth IRA is a great vehicle for tax-free growth. 
 
But there are income limitations. 
 
For 2026, those limitations are as follows: 
 
- $153,000 for single filers 
- $242,000 for married filing jointly 
- $0 married filing separately
 
Make above these amounts? 
 
They get phased out or entirely ineligible. 
 
So what to do? 
 
Instead, you could contribute to the Traditional IRA. 
 
But are you contributing to a 401k? 
 
Those deductions might also phase out! 
 
This seems like a lose-lose scenario. 
 
But it opens for an opportunity. 
 
The good news is that you can use the IRA to fund a Roth IRA. 
 
This is known as a Backdoor Roth IRA. 
 
Here's what you could do: 

FIRST: Move all existing IRA money into an employer plan like a 401k. 
 
1) Open a Traditional IRA & Roth IRA 
2) Fund the Traditional IRA 
3) Do NOT invest the funds 
4) Initiate a Roth Conversion into the New Roth IRA 
5) Elect not to withhold taxes 
6) Invest in the Roth IRA 
7) File Form 8606 to show non-deduction in Traditional IRA 
 
This process is why having a Roth 401k is pretty handy: you can make any contribution with no income limitations. 

Remember, this is purely educational and is shown here for simplicity.
 
This is not financial or tax advice, so please consult with a financial and tax professional first.
 
But the door is open for tax-free money!

You've gotta find the right key.

Note: This is purely educational and not financial or tax advice. Seek a professional before acting on any of the information.

80% of their thoughts are on things they can’t control.

Here's why it's a losing choice:

If you spend all your time focusing on the things you can't control, you're investing in a losing strategy.

We see it all the time with money:

You can't control return rates.
But you can control savings rates.

You can't control tax laws.
But you can control tax planning.

You can't control interest rates.
But you can control your credit score.

You can't control contribution limits.
But you can control diversifying accounts.

You can't control risk of an asset.
But you can control your asset allocation.

You can't control when an emergency will happen.
But you can control the management of your short-term reserves.

You can't control tuition prices.
But you can control which vehicles to choose.

You can't control social security reserves.
But you can control your retirement vehicles.

You can't control inflation.
But you can control where your cash gets parked.

You can't control your death.
But you can control your estate plan.



Want to know why we do financial planning?

Because life is usually out of our control.

Your plan gives you the steering wheel.

Up to you how you steer with it.

Don't sleep on the wheel.

Cutting your Netflix subscription will make you a millionaire.

Here's how you can do it in a year:

- Cut the $18
- Take the $18 and invest it
- Get a return of 5,555,456%

Boom. You've got $1 million

Why aren't more Millennials doing this?

Let's normalize not having everything figured out by your 30s.

Purchasing a home without running the numbers is a coin flip. 

Yet, this is exactly how 99% of people do it.

They'll just look at what the bank will allow them to get.

But they don't look at your numbers:

- Your goals
- Your expenses
- Your future maintenance
- Your potential new furniture
- Your phantom costs not disclosed

And no, going with the notion that "it will pay off later" is not a good strategy. 

Please run the numbers before executing on a home purchase. 

You'd be surprised how unprepared some are for it.

It's not like you can change your mind very easily.

After all, it's only 30 years you are stuck with it...

If your business goes to zero, you close your doors.

If the stock you own goes to zero, they close their doors. 

If the index fund you own goes to zero, money is no longer a problem. 

Now take a look at these three and answer one question:

Which of the downsides is more likely to occur?

High reward comes with high risk. 

It's not about not taking risk. 

It's about managing it.

Welcome to Risk 101.

You can make 7 figures of income. 
 
But it's all useless without this: 
 
"The art is not in making money, but keeping it" 
 
This is especially true with HENRY's. 
 
What is a HENRY? 
 
→ H-igh 
→ E-arner 
→ N-ot 
→ R-ich 
→ Y-et 
 
I've seen this with many cases of successful business owners and tech executives. 
 
Lots of talented people making fantastic revenue and income. 
 
But not many of them without a game plan to keep it. 
 
The culprit is usually simple: 
 
Lack of financial planning. 
 
Without clarity, you don't know what to do with what you earn. 
 
You worked hard to earn your income. 
 
Now make it work harder for you to grow. 
 
But you don't have to struggle at it alone. 
 
If you do, you might need help at it.

"My commissions are taxed at a higher rate"

Not true always. Why is it wrong?

Let's look at an example here.

Selling Sally works hard at her job.

She typically gets half in salary and half in commissions.

She’s hit her quota and is excited for those commissions to kick in.

But when she checks her paycheck, she notices something…

Her commissions were "taxed" at a lower rate than her salary.

At first, this seems great, more money in her bank account!

But then, tax season arrives.

After filing her taxes, her accountant lets her know she owes a massive tax bill!

Now she's frustrated that she has to write a big check and wonders:

Did something go wrong with her return?
Did she get taxed more than expected?
Did she get hit with some penalty?
Nope.

She owes more because her employer withheld less than she actually owed.

And that's the key word here: withheld.

Whenever you have monthly income like a salary, it’s considered “regular,” which gets taxed progressively like usual.

But whenever you have irregular income like:

Awards
Bonuses
Commissions
Equity Compensation
Or anything that doesn’t pay monthly
…it’s considered “supplemental.”

And these irregular forms of income are withheld at different flat rates by default.

For commissions, the default withholding is 22% for the first $1 million and 37% for any amount beyond that (Federal rate for 2025).

This is just withholding, not the actual tax owed.

Since Sally makes $500,000, her actual marginal tax rate is 35%.

But her commissions were only withheld at 22%, which wasn’t enough.

So instead of getting a refund, she ended up owing the difference at tax time.

She didn’t pay more for her commissions.

She just had less withheld than owed.

Big difference!

(Sally is a hypothetical example, but you get the point)

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I don't know who needs to hear this, but just because you can afford the down payment for a home doesn't mean you can afford the mortgage payments. 

☝ Read that again

For the love of g*d, stop using absolutes with your finances:

You don't need to max your 401(k).
But don't leave your match behind.

You don't always need life insurance.
But you should get coverage for your family.

You don't need live on the edge.
But you should know your limits.

You don't need to invest everything.
But you should understand your timeline.

You don't need to open a 529 for your kid.
But you should prepare to support them eventually.

You don't need to have a strict budget.
But you don't have to live a Ramsey life either.

You don't have to pay off all your debt now.
But you don't have to completely avoid it either.

You don’t need to own a home.
But you should have a housing plan.

You don’t need to pick individual stocks.
But you should understand what you own.

You don’t need to retire and quit work all together.
But you should build the option to choose your path.

You don’t need multiple income streams.
But you should protect against a single point of failure.

Read what you want and take advice from whoever. 

But your situation is not black-and-white. 

Stop thinking like it too.

Your child can borrow to pay their tuition costs. 

But you cannot borrow to pay your retirement costs. 

Remember this as you prioritize where your wealth goes.

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