Ryan R. Sullivan

Podcast Strategy for Finance, Law & Coaching 🎙️ The Podcast Pipeline | DJ → Rapper → Marketer

Podcast strategy for finance, law, and coaching companies scaling to 7-figures and beyond. 
No marketers. No agencies. No freelancers. 
Just your podcast.

👇

Together, we'll build a system with your podcast. 

🎯 Who We Work With:

→ Law, finance, and online service companies that are tired of marketing agencies. 
→ Marketing teams who want a repeatable, low-lift content system.
→ Founders who would rather talk and let their team do the rest. 

🎙️ What You Invest In:

✓ A customized content strategy
✓ Custom YouTube, Podcast, and Email strategy
✓ Support for your team as they implement (we train them while you scale)

🙏 What You Get Today

Just a short call to discuss your podcast. 

https://calendly.com/podcastprinciples/discover

See you there.

– Ryan R. Sullivan

Founder

We help people launch top-1% podcasts with 0 paid promotion using a proven launch strategy tailored specifically to turn audience members into podcast fans.

Here are what some of our podcasters are saying: 

Mikhail Myzgin, VP of Marketing at Slice 

"Ryan is an excellent resource for anything about podcasting. His advice was spot-on, and his expertise helped us solve a problem we didn't know how to go about."

Calum Johnson, Marketing Manager at Public

"I reached out to Ryan because I wanted to start my own podcast & get some pointers from someone who had experience & expertise launching podcasts. The consultation call with Ryan was 100% worth it, Ryan has started a lot of podcasts & gave me great advice that would be difficult to find anywhere else."

Malik Handoush, Strategic Business Develop Coach

"As someone searching for guidance & direction on beginning a podcast, I decided to reach out to Podcast Principles for a consultation. Ryan surpasses any expectations you may have as he brilliantly identifies and assesses where you are and what you're trying to accomplish. His true superpower is in his listening skills where he will help you simplify and reach a point of clarity."

Ready to humanize your business or brand? 30 mins of free advice is cool too :) 

Let's talk - https://calendly.com/podcastprinciples/discover

Gabe Einhorn asked, 
"Can we make this video go viral?"
I felt my blood pressure rise.

My response: 

"I mean, I guess let's try!" 

Our first SAAS marketing video ever. 

For VryfID.

20,000+ impressions
200+ comments
200+ likes

In LinkedIn terms? 

That's viral 😂

Waiting to hear how many signups we got. 

HUGE thanks to Gabe Einhorn for hiring Podcast Principles to get this launch video out there! And of course, shouts to our editor Jose for putting the video together. 

VryfID lets renters and guarantors upload and store all of their documents in one secure profile, with identity verification built in, and then share everything with the broker or landlord through one secure link.

- The first 1,000 people who sign up at VryfID.com get 1 YEAR FREE when we launch.

NYC renters. Brokers. Owners.
This is for you.

#vryfID 
#viral

i turn your business into a podcast ➛ $5m in revenue | 500k downloads | 15m views for clients

"Do people actually charge their podcast guests??"
Yes, and they're evil...


Kidding 😂

Most of the time, they're smart. 

Only sometimes are they evil. 

Somebody in your industry 𝘪𝘴 charging $5000+ to be on their podcast. 

They’re not charging you for a guest spot.

They’re charging you for access to their audience.

They built an audience of your ideal prospects. 

So when you pay to be on their podcast, you’re getting direct access to potential customers who already resonate with the problem you solve.

Now, what you do with that access is up to you, but there's a world where walking away with a few deals could be a reality. OR this is simply a stepping stone to bigger podcasts and media appearances. 

The real value isn’t the podcast itself — it’s the audience you can earn trust with. 

#Podcasting 
#ContentMarketing 
#LeadGeneration

👇

PS: Would you ever pay to be on a podcast?

And then, I turned to Joe. 

"Have you seen this yet?"

Our Black Friday offer. 

His response?

"Jamie, pull that thing up." 

Yes, we have a black friday offer. 
No, I can't get you booked on Rogan.

But I can give away $13,750 worth of work for free.
For the first 5 people who claim it. 

Clients are seeing 10,000+ views/month with this. 

$13,750 worth of strategy, editing, and design. 

It’s all going down on my email list until they’re gone! 
 
Signup Here → https://lnkd.in/eQEEgeDt

Or don't if you don't like free stuff. 

#blackfriday

Last night, I sat in a room with 30 real estate investors.
Millionaires, lenders, wholesalers, and vendors.
The most asked question?

"How are you leveraging social media?"

Briana answered:

"We stopped every single other marketing activity except social media and SMS. There is no better ROI for us than social media. Nothing comes close."

The hosts, Briana and Steve, have done 800+ deals. 

The attendees pressed further. 

They wanted to know how. 

Briana goes into detail:

"I have tried PPC, ads, mailers, cold email, cold calls, SEO, Google ads, local groups, and networking over the past 5 years. Social media has the highest ROI for us."

She continues, 

"If you want to do it, you need a strategy. We have a content calendar. We know what types of videos we have to make each week to bring in leads." 

This social media thing is not going anywhere. 

Remember websites? It's like that, but bigger. 

And everybody knows they need to do it. 

#socialmedia 

PS: Is social media a nice-to-have or a need-to-have for your business?

I have a client who sold over 600 life insurance policies without social media. 4 years later, I can finally show you how they did it.

No selling in their content.
No cold calling or DMing.
No networking.

They started a podcast, but that's not the lesson. I found that these advisors know that money is just a tool. They also know who the right client is, down to how they speak, act, and behave. And they know, on a deeper level, that their clients don't want to talk about money. This creates a massive separation between advisors who get clients from LinkedIn and advisors who don't. 

I have 7 advisors as clients as of today. All 7 decided to stop talking about the market, stocks or investing.

And start talking about YOU. 

YOU = their ideal prospect 

Advising = advice = bad 🔴
Intrigue = curiosity = good 🟢

Advisors look at money as an asset. Regular people look at money as a burden. I call it anti-advising. They pin money as the villain, and give you ideas to make yourself the hero. Same movie, different script.

TLDR: 

Nobody wants an advisor. 
Everybody wants more money. 
Adjust your marketing accordingly. 

#financialadvisor 
#financialadvising 
#finance  

PS: Do you take financial advice from people on LinkedIn?

Every time I get on our monthly call, my business coach asks: “What are you grateful for?”

Last month, it was the ability to slow down.

What I thought was “slowing down” was just stopping the things I truly needed to do to keep progressing.

Fishing, golf and going to the gym are not leisure activities. They are work. The mind works even when you’re not working!

So don’t slow down, just keep doing everything you need to do to keep the engine running, including your “side hobbies” and extracurriculars.

They are curricular.

NOTHING worth doing is a “bonus.”

Everything works together to create you.

Here are many photos from the last few months that haven’t seen the light of day.

Happy Thanksgiving, and thanks for reading! 🦃

#grateful

#grateful

David and Paul launched a podcast after a friend suggested it. 46 months later, here are the results👇

• 427,000 views
• 155,000 downloads
• 75% of their leads from the podcast

We spent 2 months designing this. Dave and Paul had no PR, press, ads, or massive built-in audience, so the strategy here was key. While most life insurance podcasts sounded like a textbook, they brought a new format, personality, and energy. Now, 3000 people tune in every month.

So now the question for you:

"What does it cost if you 𝘥𝘰𝘯'𝘵 launch a podcast?" 

There's an opportunity cost to everything in business.

🎤 → Find the full episode in my comment below

And big thanks to Dave and Paul for joining me 🙏
_________________
#podcastprinciples

PS: Dave and Paul are seeing 15,000 views per month.

We want you do the same, but for free, so we're giving away $13,750 of free strategy, editing, and design. 

Want in? Just sign up here to receive the deal on Black Friday - https://lnkd.in/eQEEgeDt

If you can imagine speaking to an audience of hundreds or thousands of prospects every week, you can become a podcaster.

And most importantly, they trust you.

That’s the power of video podcasting. 

→ "So how does it work?"

𝗧𝗵𝗲 𝗖𝗼𝗻𝘁𝗲𝗻𝘁 𝗘𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺

4️⃣ Podcast Episodes Per Month
5️⃣ Clips Per Episode
1️⃣ Social Post Per Day

Simple.

You don't have to give yourself more jobs when the content can do the work for you.

Your clients already listen to podcasts; it might as well be yours! 

#contentstrategy 

PS: Would you start a podcast, or do you think it's already too saturated?

Jack Gallagher and I are on our way to work with Liberty One Wealth Advisors in Philadelphia for Content Strategy! Let’s go!

No alternative text description for this image

The average LinkedIn user has 25 video editors in their network. Here's how to hire the right one👇

Stop hunting for an editor.

Lure them in with content. 
 
🎯 Post videos consistently. 

Good editors will DM you, asking to edit your videos. Most of the people on our team came to me first with, “Hey, I edit. Want a sample?” Sample them, go from there. 
 
🤝 Work your network. 

Ask every podcast host you know: “Who’s producing your show?” Most producers juggle 5–10 podcasts. If they’re good, they can probably take one more.
 
🧪 Give a test, not a thesis. 

Share 3–5 minutes of raw video. 

Ask for:  

• a clean edit  
• a title and thumbnail idea  
• 2 short clips with captions  

Turnaround in 48–72 hours. 

You’ll know fast.
 
✅ Good: Proactive, asks questions, offers a sample.  
❌ Bad: Misses the first deadline, uses AI for captions
 
Bottom line: publish, attract, filter, hire.  

Let your content pull the right people to you.
 
#hiring

People say podcasting is saturated, and then post on a platform with a billion users.

We all know what is actually saturated ⤵

▶  LinkedIn
▶  YouTube
▶  Facebook
▶  Instagram
▶  Tiktok

If podcasting as a medium is saturated, that means all social media is too. And you're still here. 

We all wish we were making content on YouTube when there were only 3 million users. 

That's how it feels with podcasting right now.

Only 500,000 active podcasts. 

It's just the beginning. 

Get in! 
___________
#podcastprinciples

YouTube is giving away views like candy. 
And the best part is, it's 100% free. 

Your first 20 videos are on us. 

(see photo for client results)

If you're waiting to start and finally want to get some views, we'll help you. 

How to get started: 

For Black Friday, I’m giving the first month 100% free to 5 people who commit to 3 months.
 
90 days is all it takes to hit that 10,000 views per month mark, and we'll help you get there. 

All you have to do is sign up using the link in the first comment. 

Get in there! 

#blackfriday 

PS: Every single screenshot here is from today, 11/26. These are real, 100% organic non-GMO results. 0 paid ads, just strategy and consistency.

YouTube for Business Owners - Stats

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®

If you stopped buying 109 $5 coffees a day you’d have $200,000 saved in a year for a $1 million home.

Easy as that people…

pashman-financial-llc

schooloffinances

Reset Your Password | LinkedIn

li_at

JSESSIONID

Sales Navigator

Talks about #money, #wealth, #investing, #personalfinance, and #financialplanning

Helping Founders and Executives Plan for Early Retirement and Exit

I put $100,000 down on a $500,000 home.

But my mortgage is $5 per month. Here’s how:

→ I put 20% down on a $500,000 home.
 → Then I got a 19,500 year mortgage to bring the payment down to $5.

Boom. I just replaced my $5 coffee with a mortgage.

Why aren’t more Millennials doing this?

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.

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*

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!

"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.

Make too much income for a Roth IRA? 
 
Here's how to get around it (legally) 
 
First, what's the problem? 
 
The Roth IRA is a great vehicle for tax-free growth. 
 
But there are income limitations. 
 
For 2025, those limitations are as follows: 
 
$150,000 for single filers 
$236,000 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.

A 👏 401k 👏 IS 👏 NOT 👏 A 👏 SCAM 👏

Here are some interesting facts about it:

- Has higher contribution limits than an IRA
- Provides a match via an employer
- Does not have income limitations
- Can offer a Roth component
- Can provide a Mega Back Door Roth

But you're probably thinking...

"My money is trapped in here forever!"

Not really. 

Why you won't generally get penalized until you are 59 1/2, there are exceptions to this:

But there are exceptions to getting funds out early penalty-free:

- Roth Conversion Ladder
- 72(t) Withdrawals (SEPP)
- Financial hardship (if allowed)
- Qualified Reservist Distributions
- Medical expenses
- Rule of 55
- Disability
- Death
- Etc.

In other words, you can take your money out with exceptions and specific strategies.

It can be an excellent vehicle for financial independence. 

Do you have a 401k?

If you bought a home for $500,000 with a 20% payment ($100,000) on a 50-year term, you would pay over $1.5 million in total payments by the end of the term. 

Quick piece of advice:

Lower payments do not always mean better outcomes.

With the proposal of a 50-year mortgage, be cautious.

Don't let your forever home turn into a forever trap.

Would you ever get a 50-year mortgage?

Today: Shirt worth $100

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

 What a steal.

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.

We’ve been raised on broken financial advice: 
 
- Don’t buy $5 coffee 
- Keep everything in the bank 
- Don’t be reckless with any investments 
 
Instead should be this: 
 
- Buy what you value 
- Allocate your money based on your goals 
- Take risks that are aligned with who you are 
 
There’s a reason they put the word “personal” in front of finance. 
 
It’s supposed to be tailored to YOU.  
 
Do what works for you.

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

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Max Pashman, CFP®

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The Battle

Ryan R. Sullivan

Max Pashman, CFP®

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Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Ryan R. Sullivan's LinkedIn Performance

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