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Dallas, Texas, United States
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Articles by Allen
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The Dark Side of 7 Saturdays a Week
The Dark Side of 7 Saturdays a Week
Picture this: You've spent 30+ years working your tail off, diligently investing, and dreaming about the day you can…
21
12 Comments -
Questions To Ask A Financial AdvisorMar 7, 2025
Questions To Ask A Financial Advisor
This list of questions is designed to help you see “behind the curtain” of our firm and others you might consider…
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3 Comments -
📦Unlocking the benefits of Amazon's 401(k) planJan 31, 2024
📦Unlocking the benefits of Amazon's 401(k) plan
With pensions going the way of the dinosaur, it's more important than ever to utilize your retirement accounts to their…
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4 Comments -
✈️ Understanding your Lockheed Martin 401(k) planJun 27, 2023
✈️ Understanding your Lockheed Martin 401(k) plan
Whether you’re a new hire or you’ve been with Lockheed Martin for decades, you may have questions about your 401(k)…
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9 Comments -
🚀Raytheon employees: Don't overlook these valuable benefits!May 25, 2023
🚀Raytheon employees: Don't overlook these valuable benefits!
Raytheon Technologies is a Fortune 100 company that offers a generous benefits package to employees. Medical, dental…
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11K followers
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Allen Mueller, CFA, CFP® shared this📢 It's MISCONCEPTION MONDAY! Today's topic - gift tax. You can give away as much as you want and never pay a penny in gift tax... ...if you stay under the lifetime exemption amount. Here's how it works 👇 ✅ $19,000 (the 2026 gift tax exclusion) is a paperwork threshold, not a tax threshold. ✅ If you gift an individual more than $19K in a calendar year, the excess over that amount is reported to the IRS on Form 709. ✅ This excess goes toward your lifetime gift and estate tax exemption - the total amount you're allowed to gift tax-free (including estate). 💰 The lifetime exemption is currently about $15 million per person or $30 million per married couple. _____ So unless you plan on lifetime gifts + residual estate value exceeding $15M (or $30M for a married couple) You're good! No gift or estate tax. 😎 𝙁𝙪𝙣 𝙁𝙖𝙘𝙩 #1 - a married couple can gift another married couple up to $76K in a year ($19K x 4) while staying within their annual exclusion. They may need to fill out a "gift splitting" form with the IRS. 𝙁𝙪𝙣 𝙁𝙖𝙘𝙩 #2 - Paying another person's medical or educational expenses is not considered a gift if paid directly to the institution. *Numbers above apply only to US citizens. **Some states have much lower estate tax thresholds ------------ 7 Saturdays Financial specializes in helping high performers retire with confidence. Due to high demand, we're running a waitlist for new clients. Our next onboarding window begins in May. If you'd like to be notified when intro meetings are available, visit 7 Saturdays Financial dot com and click "get started". **This post is general education, not financial advice**
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Allen Mueller, CFA, CFP® shared thisHave you heard of "the 4% rule"? It's a retirement drawdown strategy. Here are the basics: → spend 4% of your portfolio's starting balance annually → adjust the withdrawals upward for inflation every year → and you have a low risk of running out of money over 30 years It's a popular way to determine your retirement spending capacity. But there's a BIG problem... It's designed to handle a "worst case" scenario. 📈 What if investment returns during retirement are better than "worst case"? - Your portfolio will run up in value while your spending stays too low. 📉 What if returns are worse than history has ever seen? - You'll run out of money earlier than 30 years. 😬 -------------- If you look at historical simulations of the 4% rule, the "average" scenario resulted in a retiree ending up with nearly 3x their starting balance! 💰 and there's only a 10% chance they die with less than their starting principal. That means missed opportunities to travel early in retirement - while young and healthy. And foregone chances to "give with a warm hand" - when family or charities can use the money earlier. ------------- There's a solution to this underspending problem 👇 💡 Use a dynamic withdrawal strategy. We use "guardrails". It maximizes the amount you can take from the golden goose... 🪿 and reduces the odds that you kill it too early. ☠️ ⬆️ Guardrails provides higher income when your portfolio is doing well ⬇️ As long as you're willing to tighten the belt (just a little) when it's not The result is higher overall retirement income and a greater probability of plan success. What does that mean in English? 👉 More travel, more spending, more giving, and more living! ------------ Now... leaving a legacy for your family is a noble goal. But there's no prize for being the richest person in the graveyard. You built wealth. Retirement is the time to enjoy it. Make sure you've got a plan designed to avoid overspending AND underspending.
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Allen Mueller, CFA, CFP® shared this📢 It's MISCONCEPTION MONDAY! Today's topic: Roth accounts. In many 401(k) plans, you can choose between traditional (tax-deferred) or Roth contributions. You also have the choice in IRA's. What's the difference? - Traditional: defer tax now, pay tax when you withdraw - Roth: pay tax now, tax-free when you withdraw Many people, including radio personalities, parrot... 🦜 Roth! Roth! Always Roth! Roth is always best! *SQUAWK!!!* But that's one-size-fits-all advice from someone who doesn't know the unique details of your situation. Would you take a prescription from a doctor who knows nothing about you? ------------- Getting the Roth vs. Traditional decision wrong can sometimes mean overpaying by 2-3x the tax rate! 🤔 In general - you want to pay tax at the lowest rate possible. KEEP IN MIND: 👉 Your working tax rate is determined by your salary/income. 👉 Your retirement tax rate can be engineered. It's determined by your living expenses and what your income sources are (Social Security, traditional withdrawals, Roth withdrawals, etc.) Many people retire in a lower tax bracket than when they were working. Factors to consider 👇 → Income (and tax bracket) now → Legacy and charitable giving goals → Do you expect any lower income years? → Income sources (and tax bracket) in retirement → Will you be retiring early... before age 59.5 or after? → Current balance of traditional / Roth / taxable assets → Time between retirement and RMD's (forced withdrawals) ------------- "But tax rates have to increase!" Yes, there's the possibility tax rates may go up between now and the time you retire. However - even if tax rates increase, your *personal tax rate* can still be lower in retirement. Are tax rates likely to go up by... (1.5x, 2x, 3x) ? There's also a possibility Roth accounts are taxed in the future. 🤷♂️ Control what you can control and do the math to see which is the best approach - 𝙛𝙤𝙧 𝙮𝙤u Winging it can be hazardous to your wealth! ------------ 7 Saturdays Financial specializes in helping high performers retire with confidence. Due to high demand, we're running a waitlist for new clients. Our next onboarding window begins in May. If you'd like to be notified when intro meetings are available, visit 7 Saturdays Financial dot com and click "get started". **This post is general education, not financial advice**
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Allen Mueller, CFA, CFP® shared thisThere is no "perfect" retirement portfolio. But there's a perfectly fine portfolio... for you. What's a great fit for one person might be totally inappropriate for another. They have different values, goals, timelines, risk tolerance, etc. You wouldn't expect an Olympic weightlifter to have the same training regimen as a marathon runner. They have different goals. Here's how you should choose your investments 👇 Purpose > Plan > Portfolio 1) Start with your purpose - do you want to gift to family or causes you care about? - how much will your desired lifestyle cost? - what's important to you and your family? - what are your big life goals? - how much will they cost? - when will they happen? 2) Develop a financial plan to reach those goals - what is your baseline income? (SS, pension, other income) - how much can you safely withdraw from your portfolio? - how will this change as your nest egg grows or shrinks? - how much of your expenses are essential vs. discretionary? - keep tax-efficiency in mind and withdraw from the right accounts in the right order 3) Then, develop an appropriate portfolio - investments should serve your overall plan - it shouldn't be solely based on your age - beware of "one size fits all" advice Be sure to spend some time defining your purpose and developing a plan before picking investments! ------------ 7 Saturdays Financial specializes in helping high performers retire with confidence. Due to high demand, we're running a waitlist for new clients. Our next onboarding window begins in May. If you'd like to be notified when intro meetings are available, visit 7 Saturdays Financial dot com and click "get started". **This post is general education, not financial advice**
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Allen Mueller, CFA, CFP® posted thisIf financial advisors can't beat the S&P 500, why bother hiring one? This question comes up fairly often among people who DIY their financial planning. But it's the wrong question to ask. Let's say an investor actually manages to pull it off — beating the S&P 500 by 1% per year, every year. 🔥 Impressive, right? Now, let's say they don't do any tax planning, and they overpay the IRS by hundreds of thousands of dollars in retirement. Or their portfolio is structured too aggressively, and a market crash causes them to run out of money at age 78. 👉 Did they win? Beating an index is the wrong scorecard. The S&P 500 doesn't know anything about your retirement plan. It doesn't care about your tax bracket, your spending needs, or whether you can sleep at night during a market crash. The real question isn't "did my portfolio beat the benchmark?" It's "am I on track to reach my goals without running out of money, overpaying taxes, or taking more risk than I need to?" Real financial planning isn't about beating the market. It's about building a retirement so good that you don't even think about the market. ------------------------- 7 Saturdays Financial specializes in helping high performers retire with confidence. Due to high demand, we're running a waitlist for new clients. Our next onboarding window begins in May. If you'd like to be notified when intro meetings are available, visit 7 Saturdays Financial dot com and click "get started". **This post is general education, not financial advice**
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Allen Mueller, CFA, CFP® posted thisFinancial advisors: "I can't stand all these spam calls! So distracting." Also financial advisors: "Time to hit the phones and get my cold calls in." 🤷♂️
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Allen Mueller, CFA, CFP® shared thisIs $2 million enough to retire in Texas? It is for most retirees. But here's the thing: having "enough" isn't the most important factor. The better question is: do you have a plan? In the blog post, I walk through a real-world example: 🔵 A couple spending $100K/year who needs 3.1%/year from their portfolio — comfortably below the 4% rule 🔵 Bump annual spending to $150K/year for more travel? Now they're at almost 6% 🔵 That's above the 4% guideline... but it can still be sustainable with the right approach This is where the guardrails strategy comes in. Your plan has to account for how your portfolio withdrawals will change as your nest egg grows and shrinks. A static withdrawal rate doesn't do that - but guardrails do. Rather than locking into a fixed number and hoping for the best, guardrails dynamically adjusts your spending based on portfolio performance. You get to spend more in the good years while keeping the plan on track during the bad ones. Research from Morningstar shows guardrails can support approximately 30% higher portfolio income. "Enough" depends less on the number and more on the plan behind it. New on the 7SF blog: 📍 Is $2 Million Enough to Retire in Texas? I'll drop the link in the first comment 👇
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Allen Mueller, CFA, CFP® posted thisHere's my favorite strategy for saving on a new car 👇 1/ Decide on exactly the make, model, color, and options you want. 2/ If you're a Costco or Sam's Club member, get a price from their website(s). If not, find a decent price elsewhere. 3/ IMPORTANT! Create a burner Gmail address unless you want to get buried with spam messages. 4/ Email every dealership in a 90-mile radius the car, color, and options you want. Tell them the price to beat. Make sure they're all copied so they know it's competitive. 5/ Wait for an attractive offer to come in. I did this a few years ago and, based on the variety of responses I received, I knew the Costco price was excellent - "I'm not going to lose that much on a Camry!" 🤣 "Whoever gave you that price is going to give you a bait and switch with financing!" 🙄 And then.... "Yeah I've got it on the lot. I'll beat that price by $500." 👍 Not bad for putting in an hour of work!
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Allen Mueller, CFA, CFP® posted thisSomeone will spend your money. - you - your beneficiaries, or - the government How much do you want each to spend? 👉 Plan accordingly! ------------ 7 Saturdays Financial specializes in helping high performers retire with confidence. Due to high demand, we're running a waitlist for new clients. Our next onboarding window begins in May. If you'd like to be notified when intro meetings are available, visit 7 Saturdays Financial dot com and click "get started". **This post is general education, not financial advice**
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Allen Mueller, CFA, CFP® liked thisAllen Mueller, CFA, CFP® liked thisLast week I asked how advisors are handling the U.S. Treasury obligation state tax exemption (the deduction that doesn’t show up on the 1099 but can mean thousands of dollars in state tax savings for clients holding funds like SNSXX, SGUXX, IEF, IEI, and others in taxable accounts). The response was incredible. Advisors, tax professionals, and fintech founders showed up with real answers, tool recommendations, and insights to help me make sense of it all. I don't like identifying problems without providing solutions or a path forward, so I wrote a white paper on what firms that custody at Charles Schwab can do (the power of niching showing out again!) I've included: + Step-by-step instructions for pulling the Schwab firm-wide positions report and filtering for impacted accounts + A side-by-side comparison of two community-validated tools: Fin Pods AI and MFPCO, including pricing, security, and when to use each + A 10-step annual CRM workflow template ready for Advyzon, Wealthbox, or Slant. + Sample client email language for communicating the exemption to impacted households This started as a question, became a community effort, and now it’s a resource anyone can use :) 💌
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Allen Mueller, CFA, CFP® liked thisAllen Mueller, CFA, CFP® liked thisThis might sound crazy, but what if the worst-case scenarios don't exactly play out? What if we continue solving interesting problems with our creative energy? Afterall, humans have pretty long history of solving things. It's entirely possible we work together and end up prosperous in the long term.
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Allen Mueller, CFA, CFP® liked thisAllen Mueller, CFA, CFP® liked thisI first created this visual wayyyyyy back in early 2024. (which, at this point, feels like about 25 years ago) At the time, I found myself wondering: if this portrays financial planning 1.0, 2.0, and 3.0, what does 4.0 look like? I think it's starting to take shape. Financial planning 4.0 will be defined by AI enabling smart, forward-thinking advisors to handle the top two layers of the pyramid faster, better, and deeper than ever before-- freeing them to focus more time and attention on the foundation. But it's not just about having more time for the qualitative work. We now have the opportunity to use AI to build bespoke tools that enable deeply impactful conversations at the intersection of money, values, and meaning. If you're the kind of person who loves numbers but REALLY loves getting to know the people behind them, I'm convinced there has never been a better time to be(come) a financial planner.
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Allen Mueller, CFA, CFP® liked thisAllen Mueller, CFA, CFP® liked thisISOs vs NSOs: The tax math isn't as straightforward as it seems. ISOs offer the appeal of long-term capital gains treatment—15% or 20% instead of 37% ordinary income—if you exercise and hold for a year. But the spread between your strike price and current valuation gets added to your AMT income at exercise. One tech professional I worked with exercised $200K in ISOs and faced a $45K AMT bill before the shares were even liquid. NSOs are taxed as ordinary income at exercise, which sounds less favorable. But you avoid the AMT trap entirely, and your tax liability is clear upfront. The right choice depends on your strike price, current valuation, and cash flow to handle an AMT bill without forced liquidation.
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If you don’t understand the capital stack, you’re playing CRE with half the playbook missing. Senior debt: cheapest capital, most control. Mezz debt: fills the gap, but costly. Preferred equity: hybrid, flexible, powerful. Common equity: most risk, biggest upside. Each layer carries its own risk and reward. Once you see the stack, you’ll stop thinking about $200K duplexes and start thinking about $20M complexes. Always remember - great deals aren't found, they're created!
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Mike Bell, CFA
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I'll repeat what I said yesterday "Economic data is now very stale. Focus on where you think the data is going not where it is now". There was a decent acceleration in cyclical job growth in March. It was notable that government jobs overall increased with only a 4k decline in Federal jobs being offset by gains in state and local government employment. But government job cuts were never the main risk to the economic outlook. Unfortunately, this rise in cyclical jobs tells us nothing about what the jobs numbers will look like in the coming months, post tariffs. Driving through the rear-view mirror is dangerous (when not reversing) at the best of times, in times like this where there are now massive potholes in the road ahead, it could be very unwise indeed. The tariff announcement increases the risks of a recession in the coming months, particularly in Europe and the UK but also in the US.
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Paul Stanton
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Landman is back. And beneath the drama is a multi-billion-dollar real estate play that most investors don’t understand. Here’s how to make money as a Landman: A landman's job: secure oil and gas rights from landowners. They negotiate leases that give oil companies the right to drill. In exchange, landowners get: • Upfront bonus: $500-$7,500 per acre • Delay rentals: $5-$25 per acre annually • Production royalty: 18.75%-25% of gross revenue The landman's commission? Roughly 10% of the lease bonus. The aggregation play: Oil companies don't want 40-acre parcels. They want 640-2,000 acre blocks for shared infrastructure. The aggregation premium is real. Scattered 1,000 acres might lease for $2M. That same acreage, if contiguous, could command $4-5M. Example: A Texas landman aggregated 1,500 acres in Reeves County in 2018. Paid $2M. 6 months later, sold to a major operator for $5.6M: near-3X arbitrage from aggregation value alone. Aggregation premiums range 20-100% depending on geology and operator interest. The OpCo-PropCo structure: PropCo holds mineral rights and leases: • 20-30 year royalty streams • Trades at 4-8X annual cash flow OpCo manages the leasing operation: • Upfront commissions • Operational fees (2-5%) and override interests Two revenue streams: immediate fees and long-term royalties. The financing angle: Smaller aggregators use hard money at 12-18% interest. When oil drops below $50/barrel, leveraged positions face distress. That's when private equity and family offices circle. During shale booms, mineral funds earned IRRs of 25-40% on aggregation flips. As of 2025, over $1.5B of PE capital is chasing mineral rights deals annually. The takeaway: Controlling scarce land creates leverage in capital-intensive industries. Same principle applies for: • Logistics sites near ports • Data center land in AI corridors • Resort land in emerging destinations The asset that matters most is always the one in limited supply. Control the dirt. Leverage the operators.
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Raj S.
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💼 Shell Posts $4.3B in Q2 Earnings, Launches $3.5B Buyback. Despite softer oil and gas prices, Shell delivered $4.3B in Q2 earnings, beating market expectations. Backed by $11.9 billion in cash flow, the company announced a $3.5 billion share buyback, reinforcing confidence in its long-term strategy. From LNG Canada’s first cargo to deepwater project expansions, Shell continues to strike a balance between capital discipline and strategic growth, demonstrating resilience in a volatile market. #Shell #Earnings #Energy #OilAndGas #Buyback #Investing #Sustainability #Markets
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In August, Dakota tracked $19B across 171 commitments from 41 pension funds and endowments. Largest Allocators Florida State Board of Administration – $6.4B New Mexico State Investment Council – $2.3B Virginia Retirement System – $1.8B Where the Money Went Private Equity: $4.2B (30.4%) – Buyouts dominated ($3.1B across 34 funds) with allocations ranging from lower middle market to large buyout strategies. Private Credit: $5.7B (17.5%) – Opportunistic credit ($2.1B) and direct lending ($1.2B) continued to draw attention, highlighting demand for flexible yield. Private Real Estate: $4.1B (22.8%) – Opportunistic and value-add strategies led with $3.4B Real Assets/Infrastructure: $2.6B (11.7%) – Infrastructure dominated with $2.4B, showing strong allocator interest in long-term, inflation-linked assets. Venture Capital: $1.3B (13.5%) – Spread across 23 funds, indicating allocators are still selectively backing innovation. Largest Single Commitments • CPP Investments – Japan DC Partners I (Real Estate): $1.33B • Florida SBA – Florida Gulfcoast Partners Multi-Asset Credit (Private Credit): $900M • Florida SBA – Tidewater Partners MAC Fund (Private Credit): $900M • LifeSight – Schroders Greencoat Renewables LTAF (Real Assets): $605M Key Takeaways 1) Private credit led the month at $5.7B, with opportunistic strategies and direct lending driving activity. 2) Opportunistic/value-add real estate is still hot, accounting for $3.4B in August commitments. 3) Infrastructure allocations remain steady, with more than $2.4B deployed into long-duration, inflation-hedging assets. July vs. August Context Total commitments rebounded to $19B in August, up from $9.7B in July (but still below June’s $36B). Private credit surged (from $1.7B in July to $5.7B in August). Venture capital held steady, with selective allocations continuing at ~13% of commitments. Allocations were again more balanced across asset classes, reflecting a diversified allocator mindset. For asset managers and consultants, August shows allocators leaning into private credit and opportunistic real estate while maintaining consistent exposure across private equity, infrastructure, and venture.
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Amanda Larson, MBA
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Money stress doesn’t go away with higher income. It just takes on a different shape. I work with a lot of engineers and oil & gas professionals who are doing objectively well. Strong salaries. Maxed-out 401(k)s. Solid savings. Responsible decisions. They’re not worried about paying bills. But in a cyclical industry, they do wonder how stable their whole lifestyle really is. Income tied to one employer. Investments heavily exposed to public markets. A lifestyle that never felt reckless, but expanded gradually. College, aging parents, taxes… all taking a slice. They’re not asking, “Am I making enough?” They’re asking, “How much of this depends on everything going right? And what happens if something shifts?” It's not anxiety. It’s awareness. And awareness is where disciplined investing starts. If any of this feels familiar, you’re not behind. You’ve just reached the stage where the balance in your portfolio needs to be intentional.
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Mike McGlone
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Is $5.90 Copper 2025 Akin to 2008's $147 Crude Oil, $4 Gasoline? Spiking US-traded copper shows eerie similarities to the peaks in crude oil and gasoline prices from July 2008. It was 17 years ago that the Great Recession was fueled by the national average gasoline price surpassing $4 a gallon for the first time. Copper approaching $6 a pound may mirror WTI crude's $147 per barrel apex in 2008. Full report on the Bloomberg terminal here: https://lnkd.in/dYxqWmKq {BI COMD} #copper #crudeoil #stockmarket Bloomberg Intelligence
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Michael A. Gayed, CFA
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Amid a thinning of undocumented farm labor, Raymond Robertson, a labor economist at Texas A&M’s Bush School of Government, who has advised U.S. agencies on trade and labor policy, predicts produce prices could spike as much as 100% by early next year as inventories clear and new contracts begin.
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Sahil Kapoor
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Jeffrey Levine
Focus Partners Wealth • 11K followers
If I see one more post or article about a "loophole" in the tax code that "allows you to save tens of thousands of dollars on your tax bill," that ends up being about Bonus Depreciation or a Section 179 Deduction, I am going to absolutely lose my mind. Now, don't get me wrong; for the right business owner in the right situation, these accelerated depreciation methods are pretty awesome. And it's entirely true that, compared to regular straight-line depreciation, electing to use Bonus depreciation and/or a Section 179 Deduction can lower your taxes in a meaningful way. But... First of all, these aren't loopholes. They're straightforward applications of the tax code being used exactly as intended. Second, almost none of these posts/articles mention that the increased tax deductions/lower taxes today come, all things equal, at the expense of lower tax deductions/higher taxes in the future. So, in many circumstances, accelerated depreciation is really more a time-value-of-money play than anything (which, of course, has value, but not AS much as getting a tax break that would otherwise never be available). Third, and most importantly, on their own, accelerated depreciation methods don't allow individuals to "save" anything, because to use them, they require the PURCHASE of a qualifying asset. The cost of buying that asset will exceed any potential tax savings from Bonus Depreciation/179 Deduction. In the end, accelerated depreciation methods are probably best thought of in a manner similar to that of a sale at the store. If you were planning to buy something already, or were on the fence, then the sale can make now a pretty compelling time to make your purchase. But if you weren't already thinking about the purchase, you probably shouldn't let the fact that it's on sale change your decision. I mean, even if I see cat food on sale for 90% off, I'm not buying it. I don't have a cat. Thank you for coming to my Ted Talk.
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Silas Mähner 🌎🔍
ErthTech Talent • 21K followers
Finding a new mineral deposit costs around $218m in the US -- Durin is cutting that by 50-75% Discovering these mineral deposits requires a team of 3, highly paid engineers and geologists. Usually they operate one rig -- Durin wants to see that same team operating up to 5 autonomous rigs. This, paired with the data collection they believe they can extend the life of each rig massively and rule out different areas faster. These two things together would massively reduce cost AND time to find these mineral deposits -- the hardest part about building a new mine. If you'd like a peak into the future, check out today's episode with Ted Feldmann, CEO and Founder of Durin Mining. Aside from theri tech, he shares insights around... -- The tailwinds for mining in the US -- How to raise from climate and non climate VCs alike -- How they have attracted an incredible team in a short period of time And much more. Listen to / watch the full episode on Substack today! (link in the comments) 👇 PS: shoutout to ErthTech Talent for making this show possible -- reach out to them (me haha) if you're a clean tech startup who needs the right talent, and you don't want to pay an overpriced search firm. #durin #mining #criticalminerals #miningexploration #automation
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Sam Silverman
Silverman Capital • 27K followers
Every operator needs a share class for larger checks. If you don't have one, you are leaving money on the table. Here's why: If you don’t build an economic class of shares for $500K–$2M+ checks, you’re making it impossible for capital aggregators, SPVs, and fund-to-fund allocators to back your deals and still earn within their business. Why you need to build this in: - Bigger checks require better economics - allocators can't deploy into your deal if there's nothing in it for them. They need economics (fee share / carry share / enhanced equity class) that makes the effort worthwhile - Sophisticated investors put a value on terms and structures -One $2M check beats twenty $100K checks - higher likelihood of getting the deal done How it changes your business: - Raise velocity - the difference between closing in 2 weeks vs. 2 months often comes down to one anchor investor - New distribution channels - SPVs, fund of funds, family offices, RIAs can now all participate - You stop looking like a small operator and start looking like a firm that understands how capital works Bonus: You can do away with the 14 side letters you created to get your deal done with share classes that cover the exact same thing AND increase your transparency Operators who nail it aren't just good at finding and operating deals They're good at making it easy for capital to say yes to working with them ✚ Follow Sam Silverman and subscribe to the newsletter for deal strategy, fund structuring + the Mechanics of Money inside private markets
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Otavio (Tavi) Costa
Azuria Capital LLC • 61K followers
Mining stocks are likely overreacting today, in my view. Put loosely, these companies are effectively printing money at current gold prices. Yes, mining stocks have performed incredibly well recently, but the aggregate free cash flow of the Philadelphia Gold and Silver index has surged 11x. In short, fundamentals have far outpaced the rally, leaving these stocks even more undervalued than before.
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Gaurav Didwania
Qode • 4K followers
India is importing less Russian oil. And the numbers explain why. Imports peaked in November and dropped sharply in December. From ~1.84 million bpd to ~1.15 million bpd. That’s a ~35% fall in one month. This wasn’t accidental. In August, Donald Trump threatened a 50% tariff on Indian exports, with 25% directly linked to Russian oil purchases. Oil became part of trade negotiations. Soon after, Reliance Industries, India’s largest private refiner, confirmed it has stopped receiving Russian crude and expects zero deliveries in January. What does this imply? • Reduced use of discounted Russian crude • Higher sourcing costs for export-oriented refiners • Private refiners adjusting faster than state-owned ones • Energy buying decisions now tied to trade talks What happens next? If a US–India trade deal progresses, Russian oil imports may stay capped or fall further. If talks stall, Imports could stabilise at lower levels rather than reverse. Either way, oil is no longer just an energy decision. It’s now part of the trade equation. The question is: Will India trade cheap barrels for tariff relief?
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Joe Smith, CFA
Parti Pris Investment Partners • 3K followers
Direct indexing and portfolio personalization without a risk model is like nutrition without a label — you don’t really know what you’re serving clients. As a portfolio manager, I see risk models as essential tools for advisors (but are still underutilized). They don’t add noise — they create clarity. By showing where portfolios are truly exposed, they give you the confidence to move beyond generic models and deliver direct indexing and personalized portfolios at scale (all while balancing out the tax implications). When you understand the factors driving risk — equities vs. bonds, sectors, rates — rebalancing isn’t just maintenance. It’s a chance to guide clients with intention, align portfolios with their goals, and prove the value of personalization. 👉 Risk models aren’t just about measuring risk — they unlock the strategies that set your practice apart.
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