Jeremy RIA @RetainerAdvisor

Fiduciary Financial Advisor. Retainer Fee. NO AUM FEES. No Commissions. No Account Min. Financial Plans. Advice Only. Christ Follower Phil 2:3-4. DMs Open financialplanguy.com Indianapolis, IN Joined March 2025

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Jeremy RIA @RetainerAdvisor

2 days ago

Amazing the correlation between the S&P 500 price and its Operating Margin. The majority of the current Operating Margin highs are being produced by large cap companies...

Jurrien Timmer @TimmerFidelity

2 days ago

Amazing the correlation between the S&P 500 price and its Operating Margin. The majority of the current Operating Margin highs are being produced by large cap companies...

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Jeremy RIA @RetainerAdvisor

2 days ago

QUALIFIED VS NON-QUALIFIED HSA EXPENSES A Health Savings Account (HSA) lets you use pre-tax dollars for qualified medical expenses which allow withdrawals without taxes or penalties. Below is a guide to HSA-eligible expenses per IRS Publication 502. QUALIFIED EXPENSES:…

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Jeremy RIA @RetainerAdvisor

3 days ago

It is interesting to note that the average lifetime bankruptcy rate in the US is ~5%. The average lottery winner declared bankruptcy ~5% of the time. Getting a windfall of money will not be a blessing if you don't employ good financial habits.

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Jeremy RIA @RetainerAdvisor

a week ago

QUANTIFYING LONG-TERM FINANCIAL ADVISOR FEES I spoke with someone a while ago who told me that they didn't have to pay their financial advisor. After doing a bit more digging, the person had their money with an advisor that charged a typical 1% Assets Under Management fee,…

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Jeremy RIA @RetainerAdvisor

2 weeks ago

RELATIONSHIP OF BONDS TO INTEREST RATES The value of bonds is inversely correlated to interest rates, such that when rates go up, the value of bonds goes down and vice versa. Another factor that goes into how much a bond's value will move relative to rates is its Duration.…

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Jeremy RIA @RetainerAdvisor

2 weeks ago

HOW WEALTHY SHOULD YOU BE?! Here's the formula for calculating your Expected Net Worth: (Age) - 22 x (pretax net income) divide by 10 x 1.(age) For someone who is 30 years old and making $100k, it would look like this: 30 - 22 x $100,000 / 10 x 1.30 =…

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Jeremy RIA @RetainerAdvisor

2 weeks ago

IF YOU TAKE THE STANDARD DEDUCTION ON YOUR TAXES, YOU NEED TO KNOW THESE DEDUCTIONS FOR 2025 A quick tax primer. Your Taxable Income is basically determined by: Your Total Income - Above the Line Deductions = Adjusted Gross Income (This is "The Line") - Standard or…

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Jeremy RIA @RetainerAdvisor

2 weeks ago

The Earnings & Valuation slide that Jurrien presents here, specifically, Operating Margin, is one of the keys to why this market continues to surge ahead despite some pretty juicy valuations. Operating Margins of the largest companies are at an all-time high despite Small and…

Jurrien Timmer @TimmerFidelity

2 weeks ago

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Jeremy RIA @RetainerAdvisor

2 weeks ago

Aggressively investing in high-dividend funds is often an inefficient way to grow wealth. SCHD is one of the most popular high-yield equity dividend ETFs and has been available since late 2011. Let's compare the total returns of a $10k investment into SCHD vs SPY (S&P 500).…

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Jeremy RIA @RetainerAdvisor

2 weeks ago

HOW TO WITHDRAW MONEY FROM RETIREMENT ACCOUNTS BEFORE AGE 59.5 WITHOUT PENALTY There are multiple options available to people, among the most common are: - Disability: Permanent and total disability, as defined by IRS. - First-time home purchase: Up to $10,000 lifetime limit…

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Jeremy RIA @RetainerAdvisor

2 weeks ago

HISTORICAL RESULTS OF 60/40 PORTFOLIO VS AN OPTIMIZED ALLOCATION The 60% stocks and 40% bonds portfolio allocation gained prominence in the 1950s and 1960s and then almost became the default allocation in the 1970s and 1980s by advisors and institutions due to its simplicity,…

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Jeremy RIA @RetainerAdvisor

3 weeks ago

THE TWO WAYS TO USE THE RULE OF 72 Many people know the Rule of 72 is used to determine how many years it will take an investment to double in value by dividing 72 by the expected rate of return. Example, if an asset is expected to have an 8% return then: 72 divide 8 = 9…

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Jeremy RIA @RetainerAdvisor

3 weeks ago

Like many I'm stunned & saddened by the murder of Charlie Kirk as he was answering a question regarding gun violence. Regardless of if you agreed/disagreed with his opinions, among his core principles was civil discourse and encouraging conversations with those that disagreed…

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Jeremy RIA @RetainerAdvisor

3 weeks ago

RULES FOR OWNING STOCKS There are multiple resources that cite owning at least 20 stocks as the minimum recommended number for an investor holding a portfolio of only stocks. Therefore, no individual stock position should represent more than 5% of your overall total investment…

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Jeremy RIA @RetainerAdvisor

3 weeks ago

As a landlord who has multiple properties, I have gone back and forth on how best to set late fees. I used to waive fees all the time, but then tenants started to take advantage of that because if there are no actual late fees, then the tenant has no reason to pay on time.…

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Jeremy RIA @RetainerAdvisor

3 weeks ago

WHY THE SORTINO IS BETTER THAN THE SHARPE RATIO AS A RISK-ADJUSTED METRIC In short, because it better defines risk. Both are risk-adjusted metrics; however, each defines risk differently. The numerator in the formula for each is the same: Avg Return - Risk Free Rate…