CJ Follini, Publisher
Welcome back, Noyackers!
Youāre a senior product manager in Austin earning $185K. Your 401(k) just crossed $140K. Wins, right? Your advisor calls every three months about ārebalancing,ā but never much more. Your āsmallā betsāsay a private credit note and a real-estate platformāare doing real work while your biggest, most tax-advantaged account? Itās justā¦ fine.
You deserve better than generic. The advisor market has already movedānow itās your turn to catch up.
What's changed?Ā
Women-led and women-forward practices have come to the forefront. And it matters even if you're not a woman.Ā Team based advising is on the rise. A lone wolf advisor might not fit your situation anymore. And personalization is becoming more widespread.
The split, in plain English: on one side are legacy shops doing quarterly calls and one-size-fits-all portfolios. On the other are modern, multi-specialist teamsĀ with true tax + equity comp coordination and actionable personalization.
Red flags your current advisor isnāt built for your life
Theyāve never proactively mapped your equity comp (83(b), AMT, 10b5-1, diversification timing).
Your āplanā looks identical to a pre-retireeās.
They canāt explain a state-to-state move in tax terms.
All the oxygen goes to fund selection, not to planning.
Theyāve never asked about your next career step or entrepreneurial ambitions.
If you checked two or more, itās time to audition a different operating system.
šļø The Noyack Expert Series
This week we sit down withĀ Brigid Shulte of New America's Better Life Lab to discuss how gender has played a role in the shifting landscape beyond financial advising and into your career growth expectations and everyday lives. We also speculate on what the next shift might be and what policies America needs to take us there.
This Week's Wealth ResourcesĀ
Use our Advisor Fit Checklist to make sure your financial advisor truly understands your stage of life and puts your interests first.
Walk into your first advisor meeting prepared and confident with our step-by-step template to organize your goals and questions.
Discover whether a team practice or a solo advisor is the right fit for your financial journey with our clear side-by-side breakdown.Ā
Until next Sunday,
āCJ & The NOYACK Team
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