Podcasts about trishul

Trishul and Bob are the President and Record Keeper for the Global Organization of Multi-day Ultrarunners (GOMU). GOMU was established to supplement the existing government bodies that only recognize records of certain ultramarathon events. Both Trishul and Bob have rich histories in ultramarathon, with 100s of official events to their names. We dive into their experiences as well as the growing needs when it comes to rules and record keeping that are specific to the needs of ultrarunning. A few topics we focused on include: pacing in ultramarathon, course certification, shoe tech, and certifying record performances. Endurance Training Simplified Series Zach's Low Carb Endurance Approach Series LMNT: drinkLMNT.com/HPO (free sample pack with purchase) deltaG: deltagketones.com Code: BITTER20 Maui Nui Venison: mauinuivenison.com/bitter Support HPO: zachbitter.com/hposponsors HPO Website: zachbitter.com/hpo  Amazon Store: amazon.com/shop/zachbitter Zach's Coaching: zachbitter.com/coaching Zach's Newsletter: substack.com/@zachbitter Find Zach: zachbitter.com - IG: @zachbitter - X/Tw: @zbitter - FB: @zbitterendurance - Strava: Zach Bitter  GOMU: gomu.org - IG: @gomu_org - FB: GLOBAL ORGANIZATION OF MULTI-DAY ULTRAMARATHONERS (GOMU)

In this episode, Scott Becker sits down with Ashwin Ramaswami, a candidate for Georgia State Senate District 48, and Dr. Trishul Kapoor, Pain Medicine Physician - Orthopedic Institute, Lehigh Valley Health Network. They discuss the intersection of healthcare policy, digital health innovations, and the critical role of state and federal initiatives in addressing rural healthcare challenges. Ashwin shares insights from his campaign and vision for modernizing healthcare, while Dr. Kapoor explores the future of telehealth and the ongoing physician shortage.

Om Sai Ram. With Baba's Blessings the most important book on Annasaheb Gawankars life is now available on Kindle as well as for pre order.The book is expected to ship before the end of April. We humbly request you to help spread the message of this important book of this jewel devotee of Babas. We have made this book available in sets of 10 books at cost price for devotees who would like to help distribute the books. So we whole heartedly encourage you to pre order them and help in Sri Sai Baba's Prachaar. Sai Baba and Anna (Kindle Edition on Amazon)https://amzn.in/d/8PylyFVSai Baba and Anna (Print Edition Pre-order)https://www.houseofsai.com/product-page/a-jewel-of-sai-devotionHeart to Heart - Gautam's Latest Bookhttps://amzn.in/d/4GobzwbWe thank you for your continued support, trust and understanding. Om Sai Ram.

This episode recorded live at the 20th Annual Becker's Healthcare Spine, Orthopedic + Pain Management-Driven ASC Conference features Trishul Kapoor, Fellow in the Department of Anesthesiology at University of Michigan Medicine. Here, he discusses the open door to innovation currently in the healthcare space, what he's currently most focused on, and more.

This episode features Dr. Trishul Kapoor, Senior Clinical Anesthesiology Resident & CSTAR Fellow. Here, he discusses his experience as a physician & entrepreneur, his innovative healthcare patents, advice for emerging founders, and more.

This episode features Dr. Trishul Kapoor, Senior Clinical Anesthesiology Resident & CSTAR Fellow. Here, he discusses his experience as a physician & entrepreneur, his innovative healthcare patents, advice for emerging founders, and more.

This episode features Dr. Trishul Kapoor, Senior Clinical Anesthesiology Resident & CSTAR Fellow. Here, he discusses his experience as a physician & entrepreneur, his innovative healthcare patents, advice for emerging founders, and more.

This episode features Dr. Trishul Kapoor, Senior Clinical Anesthesiology Resident & CSTAR Fellow. Here, he discusses his experience as a physician & entrepreneur, his innovative healthcare patents, advice for emerging founders, and more.

Need to know about AMT preference items, add backs, and exclusions? And how do AMT credits work?In this episode, Trishul convinces Aaron to wade deep into AMT. They discuss Alternative Minimum Tax preference items, exemptions, adjustments, and exclusions. Aaron provides an example of how the AMT exemption matters when exercising ISOs and why you may not get all of your AMT credit back in future years. Without a doubt, AMT is a complex beast. But with luck, this episode will turn a few unknown unknowns into known unknowns.Episode ReferencesGraystone Advisor: Exercise your ISOs in JanuaryAMT adjustmentsHow to calculate AMTWho benefited from TCJA?AMT income treshhold and exemption amountsThe Balance: What is AMT?Private Activity BondPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Episode 48 - Trishul Patel, CFP®, currently lives in West Palm Beach, Florida. He achieved financial independence before 40, and with his 100% virtual advisory business, he gets up every day to help others do the same. To get where he's at, he prioritized aggressive savings and identified the essential things in his life. Beyond finance and investing, Trishul is an entrepreneur and problem solver at heart. Creativity and curiosity have always been a part of him. He began soldering analog circuits at an early age and completed three degrees from Cornell University. Over his professional career, Trishul has designed large-scale financial applications for tier-one banks. He likewise managed an exotic options book for a private firm based out of South-East Asia, generating over $750 million in revenue in three years. Included in over two decades of investing, Trishul was a Portfolio Manager for a Hedge Fund, managing over $100 million in assets. Nothing inspires him more than discovering others who are following their dreams. He often feeds off the energy of those around him and will enjoy healthy debate and intellectual discourse, especially when it comes to topics that he loves and wants, such as investing. From his perspective, Trishul simply possesses an insatiable desire to learn, understand, and help others. These days, in addition to helping his clients accomplish their financial and investment goals, he enjoys blogging, podcasting, biking, and hiking with his wife and daughter. You can learn more about Trishul Patel by going to: https://investingforever.com/about-me/  WEALTH: Not getting enough clients? GO TO: www.CSIFG.com Book a FREE 15 minute Client Acquisition Consultation with Carter or one of his team members. HEALTH: Low on energy or overweight? Go towww.chemicalfreebody.com/enrichers and grab GREEN 85 Juice Formula or book a FREE 30-minute Health Strategy Session with Tim or one of his coaches. See omnystudio.com/listener for privacy information.

A well-designed asset allocation shouldn't need to adjust in response to inflation.In this episode, Aaron and Trishul discuss inflation. They go through factors that led to rising prices in 2021. And they relate potential impacts to consider. Our hosts then explore how stocks and bonds have performed over historical inflationary periods. You probably don't want to make any tactical changes to your portfolio to counteract recent inflation. So listen to the end to find out why.Episode ReferencesMMS #82. Are you overlooking this stellar asset class?S&P 500 by Calendar YearUS Inflation Rate by YearBuyers paying over sticker price for carsThe Fed - What is inflation?How does inflation affect exchange rates?How many decimals of pi do we really need?Investopedia: InflationInvestopedia: What causes inflation?Investopedia: Inflation's impact on stock returnsCPIHistorical inflation rate by yearBig Mac IndexVanguard Total Bond Market ETFThe Fed's dual mandateGold standardS&P 500 returnsInflation 2021Podcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Resolutions and blocking off calendar, and controlling time and your schedule. Don't forget 401k contributions, ISO exercises.In this episode, Trishul and Aaron talk about things they consider at the beginning of the year. They double-check savings rates based on raises and current 401k limits, and they evaluate the exercise of ISOs. They also evaluate many age-based topics, such as RMDs, QCDs, Medicare, and Social Security. But consider your big rocks first. It doesn't have to be a New Year's Resolution because a new habit can start at any time. So what boulders have you been neglecting lately?Episode ReferencesMMS #57. Be proactive in January to save big on these three thingsBuild Back Better Act: TimelineOneWheelHow to create a successful new year planWho is eligible for MedicareAge ReductionQCDsUGMA or UTMAPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Longevity and life expectancy assumptions in financial planning projections.In this episode, Aaron and Trishul discuss planning issues related to longevity and life expectancy. Retirement projections require an end date, but choosing one is an art rather than a science. The process requires assimilating incongruent datasets and incorporating human emotion. But then what happens if longevity continues to increase? Our hosts get a little wonky as they bring up FIRE, safe withdrawal rates, Medicare, and The Good Place.Episode ReferencesLife ExpectancyDeath vs DisabilityOdds of DyingSSA: Actuarial Life TableLife Expectancy: Singapore vs USJapanese Scientists Develop Aging VaccineSupercentenariansHuman aging process biologically reversedPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

The life lessons of skiing and snowboarding are different for kids and adults.How do skiing and snowboarding relate to teaching children grit? How do you learn to say 'no'? And where does "Zelda: Breath of the Wild" fit in with all this? In this episode, Trishul and Aaron discuss how winter sports and video games serve as examples of the balance between pushing through failure and knowing when to quit.Episode ReferencesMMS #6. The Difference Between Well-Being and HappinessMMS #93. How to give up and quit like a pro.MMS #8. Do You Actually Need More Stress in Your Life?MMS #17. How to Take Advantage of Your Lazy BrainMalcolm Gladwell: 10,000 Hours Rule ExplainedWikihow: Develop GritWikihow: SnowboardWikihow: SkiPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Our favorite episodes from Year 2.In this episode, Aaron and Trishul look back on their second year of podcasting. In the beginning, they focused on the process, recording one conversation at a time, and eventually, they established a consistent habit. To wrap up Season 2, our hosts recount their favorite episodes of the year. So which ones did you enjoy the most? Listen to the end to find out.Episode ReferencesMMS #52. 1st year retrospective: Our favorite episodes and what you missed.Trishul's Favorites from Year 2MMS #86. How does your True Tax Rate compare with the wealthiest Americans?MMS #72. How many people actually beat the market?MMS #61. The market's at an all-time high (again!). Now what?MMS #60. What's the best way to beat Bitcoin Madness? We uncover facts that nobody ever told you.MMS #59. Stock options are risky business. Here's when they can actually make sense.Aaron's Favorites from Year 2MMS #67. If you are in this lucky minority, the Biden Tax Plan will burn you.MMS #82. Are you overlooking this stellar asset class?MMS #77. What's the real limit on 401k contributions? It's much higher than you think.MMS #74. This hidden benefit of financial independence changes everything.MMS #73. Is direct indexing the future of investing?MMS #65. The most important financial advice for someone in their 20's.Podcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

During Open Enrollment, make sure you opt-in to 401k, life, disability, and health insurance. You can figure out the details later.In this episode, Trishul and Aaron discuss common client concerns that surface during Open Enrollment Season. Each fall, you get inundated with plan documents from work. But now is a time when your seconds can save you hundreds or even thousands. Often, you need to opt-in to participate in your employer's health, disability, life, and retirement plan. Likewise, a company match on your 401k or a discount to your ESPP can even mean free money. So don't miss out before it's too late to act.Episode ReferencesEmployee Benefits GuideHMO vs PPOGroup Disability InsuranceFAQs for Cafeteria PlansHSA vs FSAPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

ISOs, NSOs, RSUs, and ESPPs all together.In this episode, Trishul and Aaron discuss alternative forms of employee equity compensation. In addition to ISOs, there are NSOs, RSUs, and ESPPs, and each one comes with different tax implications. Your employer can grant access you any combination of these plans. So then, how do you decide when to exercise and when to sell? You can choose to hold on to everything for the upside. Or you can sell everything as soon as possible to lock in your benefits. But most people end up somewhere in the middle, and that's where things get complicated.Episode ReferencesMMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.MMS #101. ISO University: It's IPO Time! So now what do you do with your ISOs?Graystone Advisor - When do I Exercise my Incentive Stock Options?Graystone Advisor - You Should Probably Exercise Your ISOs in DecemberGraystone Advisor - You Should Probably Exercise Your ISOs in JanuaryGraystone Advisor - How Do RSUs Work?XYPN: RSUsESOP and ESPPmyStockOptions.com: Holding Requirements for ISOsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

ISOs in late stage private companies and after going public.In this episode, Aaron and Trishul discuss what you can do with your ISOs to prepare for an upcoming liquidity event. At this point, investment risks are still high, so what's the best way to capitalize from here? First, you must consider the timing of exercise. Next, you need to evaluate if you will cash out or hold on for more upside. For most people, it is some combination of cashing out as soon as possible, exercising and selling in the most tax-efficient manner, and holding on to your options or shares for long-term gains.Episode ReferencesMMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.Graystone Advisor - When do I Exercise my Incentive Stock Options?Graystone Advisor - You Should Probably Exercise Your ISOs in DecemberGraystone Advisor - You Should Probably Exercise Your ISOs in JanuaryStock Compensation and TaxesISO vs NSO and 83b Election83b ElectionISO Disqualifying DispositionAMT PreferencesIRS: Underpayment PenaltyDrag Along RightsTag Along RightIRS: AMTAMT CreditPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

ISOs in the mid stage of a private company.In this episode, Trishul and Aaron discuss what you should look for when you've been at a private company for a few years. At this point, your ISOs may have climbed in value, so it's quite the balancing act. Not only do you need to factor in future investment risks, but also you need to analyze the impact of AMT. Furthermore, waiting to exercise can create a golden handcuffs scenario, which you want to avoid. Thus, it makes sense to exercise some ISOs each year. But don't exercise too many, or you'll end up with unintended consequences. Episode ReferencesMMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.MMS #33. If you have Incentive Stock Options, you need to listen to this episode.MMS #21. Why the VIX is useless.Graystone Advisor - When do I Exercise my Incentive Stock Options?Graystone Advisor - You Should Probably Exercise Your ISOs in DecemberISO vs NSO for 83b Elections$100k ISO Limitation83b ElectionISO Disqualifying DispositionMyStockOptions.comSlack IPOAMT Preference ItemsIRS Underpayment PenaltyPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

What should you look for when you first receive an ISO grant?In this episode, Aaron and Trishul discuss what you should look for when you begin working for a pre-IPO company and receive a grant of Incentive Stock Options. AMT isn't a concern just yet, but your investment risk is significant. Between QSBS and 83b elections, there are a few critical actions you can take right away. But most of the time, a "wait-and-see" approach will work just as well.Episode ReferencesMMS #33. If you have Incentive Stock Options, you need to listen to this episode.MMS #21. Why the VIX is useless.Graystone Advisor - When do I Exercise my Incentive Stock Options?XYPN: Your Guide to Stock CompensationTaxes: ISO $100k limits, 83b Election, Rule 3921, AMT TaxISO vs NSO for 83b ElectionsISOs and 83b Election$100k ISO Limitation83b ElectionPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Pandora Papers: Round three of leaks behind the wealth for rich and famous.In this episode, Trishul and Aaron discuss the Pandora Papers. Similar to the Panama Papers leak from 2016, this new investigation further reveals how the wealthy and powerful use offshore tax havens to shelter trillions in assets. But how does this influence the average American? It turns out its impact on you and your family is more extensive than you think. This latest exposure illuminates a significant global issue, but highlighting a concern is only the first step in combating a problem.Episode ReferencesMMS: #37. How to get rich and never pay a dollar in taxes.ICIJ: Pandora PapersICIJ: Pandora Papers FAQReddit: Pandora PapersIreland increase in corporate tax rate affects Facebook, Google, ApplePanamaPapers.orgAnonymous TrustWiki: Panama PapersWiki: Paradise PapersWiki: Pandora PapersPressure mounts on leaders revealed in Pandora Papers leakHow Many Billionaires are There in the World?All of the World's Wealth in One VisualizationPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

How much money should you put in Robinhood and crypto?In this episode, Aaron and Trishul discuss how much money you should invest in crypto. Similar to investing in single stocks, there are some rules of thumb to consider. Do you already save enough for retirement? Is your emergency fund adequate? Does your lifestyle depend on this money? If you're well covered, then the added risk of that Bitcoin position might be worth it to you. Even so, Trishul introduces a great analogy to the dot-com bubble in the '90s. How do you know if you are buying Amazon or Pets.com? So don't forget the big picture here, as there's always an opportunity cost to consider when making any investment decision.Episode ReferencesMMS #2: Buying stocks can be fun, but don't fall into these common traps. A quick intro to investing outside of your IRA.MMS #60: What's the best way to beat Bitcoin Madness?Regulators RAcing Towards Rules on CryptocurrencyMiamiCoinDotCom Pets.comBitcoin ETF coming, but there's a catchCoinMarketCapGlobal GDPICO: Initial Coin OfferingOptimism BiasPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Biden tax plan is getting updated, but will it even pass?In this episode, Trishul and Aaron discuss updates to the Biden tax plan as it makes its way through Congress. Most of the changes target the top 1% of income earners. For example, there's talk of increases to income taxes, capital gains taxes, corporate taxes, and even estate taxes. But will any of this even make a dent in the pockets of billionaires? While Biden is trying to target income inequality, his plan does little to address wealth inequality. So Trishul outlines one radical idea that could change everything.Episode ReferencesMMS #67: Biden Tax Plan proposalMMS #77: Mega Backdoor Roth 401kMMS #86: True Tax Rate of wealthiest AmericansMMS #37: How the rich never pay a dollar in taxesMMS #38: The US tax system is screwing you overKitces.com: Analyzing Biden's New "American Families Plan" Tax ProposalProPublica: Peter Thiel's $5B Roth IRAProPublica: How the Wealthy Avoid TaxesAmerica's Billionaire's Pay an Average Income Tax of 8.2%WSJ: What Peter Thiel's Roth IRA Means for YoursBiden Backs Tax on Billionaires Unrealized GainsThermal RunawayDemocrats Seeking $3.5T DealTax BracketsHead of HouseholdPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

What's the trade-off between security and privacy? And does Google know more about you than you do yourself?In this episode, Aaron and Trishul discuss the trade-offs between security and privacy. Are you okay with "free" services like Google tracking everything you do online? Nobody out there has time to read all the end-user license agreements that we come across. After all, someone out there must be keeping internet companies in check. And for now, to even participate in modern society, you have to give up some level of privacy. Even so, listen to the end to see how a little vigilance in the right places can go a long way.Episode ReferencesInvesting Forever - Privacy PolicyEnd-user license agreement (EULA)What is Internet Privacy?Proof That (Almost) No One Reads EULAsWhy is Online Privacy ImportantDuckDuckGo Google Alternative SearchBest Browsers for PrivacyWhy use a VPNDid Edward Snowden Tell Us Anything We Didn't Already Know?Self-Regulatory OrganizationPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Hacking, phishing, and password managers, oh my.In this episode, Trishul and Aaron discuss modern lifestyle security risks. Between hacking, phishing, and scamming, cyber fraud has become increasingly sophisticated. These days, it's almost impossible to distinguish between a legitimate email and an attempt to steal access. They share a few of their learning experiences and how password managers and two-factor authentication help to protect themselves and their clients. Cyber fraud is not going away any time soon, so never forget to be vigilant whenever you're online.Episode ReferencesHalf of people plug in found USB drivesHow to Recognize and Avoid Phishing ScamsBernie Madoff8 Ways to Avoid Getting Scammed10 Biggest Hedge Fund FailuresPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

When things aren't going well, when do you persevere and when do you throw in the towel?In this episode, Aaron and Trishul try to address the following question, "If things aren't going well, when do you make a change?" How do you overcome the emotional gravity of past actions to make good decisions moving forward? They discuss how impactful the status quo can be when framing a decision as an opt-in or opt-out. They also examine the disposition effect, prospect theory, and premortems. And sometimes, simply having a third-party opinion can help overcome behavioral bias.Episode ReferencesInvesting Forever - Famous Amos and Noble DanielDisposition EffectSelling Winners, Holding LosersBlack SwanHappy MoneyThinking Fast and SlowFreakonomics: Upside of QuittingThe Signal and the NoisePodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

What do you track? What do financial advisors track? What should you track?In this episode, Trishul and Aaron try to address the question, "How do I know if I'm doing well?" From an investments perspective, this has historically meant comparing the performance of an investment strategy to a benchmark. But for meeting life goals, tracking net worth, savings, and spending may be more impactful. And outside of finance, how does your behavior react to what you monitor and track?Episode ReferencesInvesting Forever - King of the HillInvesting Forever - One Lifetime of WealthHistorical Returns by Asset ClassInvesting Forever - Passive is the New Aggressive part 7Time-Weighted Return vs IRRDow Jones Industrial AverageMSCI All Country World IndexMSCI World IndexPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Why start your own business?In this episode, Aaron and Trishul discuss the recent trend of educated workers quitting their jobs to prioritize their life. They examine the question "What is the role of employment in your life?" both as it pertains to their personal choices and as it applies to conversations with clients. While it may feel like choosing to be less ambitious is choosing your life over your work, it may help to reframe your thinking as choosing to be more ambitious about your life instead of your career.Episode ReferencesMMS #15. George Kinder's 3 Questions (Life Planning)MMS #6. Difference between Well-Baing and HappinessMMS #7. The impact of friends, family, and community on happinessMMS #89. Are independent RIAs better?New Yorker: Why Are So Many Knowledge Workers Quitting?US Unemployment Rate4 Day WeekWorkers are Leaving Restaurant IndustryPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Fee-only advisors and all the other fees you may pay.In this episode, Trishul and Aaron discuss what it means to be fee-only and why they chose to make this commitment. AUM, hourly, and flat fees are just a few methods that all fall under fee-only. They discuss the evolution of financial services and why reputable advisors may still choose to sell financial products for a commission. They also explain why free financial services aren't always worth it.Episode ReferencesInvesting Forever - The Three Key Benefits of Sound Investment Management AdviceInvesting Forever - Where should you turn to for advice?Investing Forever - Follow the money.Graystone Advisor: What should I look for in a Financial Advisor?Schwab 10-K12b-1 FeesAverage Financial Advisor FeesPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Why Aaron and Trishul chose to go independent.In this episode, Aaron and Trishul highlight their career paths. They then discuss what led them to create independent advisory firms after joining the XY Planning Network. Trishul started by writing a financial blog before realizing he wanted to provide more individualized help. Aaron failed out of sales before joining another RIA as an employee for a decade. In preparing for partnership status, Aaron realized he wanted more control of how he wanted to help his unique clients. But in the end, it was lifestyle implications that led them both to going solo.Episode ReferencesInvesting Forever - The Three Key Benefits of Sound Investment Management AdviceInvesting Forever - Where should you turn to for advice?Fee Only Network: Trishul PatelFee Only Network: Aaron AgteFee Only NetworkXYPNXYPN: Aaron AgteFINRA BrokerCheckBroker-DealerRIAPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

The CFP® is the gold standard in financial planning for individual households.Trishul recently passed the CFP® exam. And so, in this episode, Aaron and Trishul discuss why the CFP® is so important. They discuss the Certified Financial Planner™ exam, continuing education requirements, the Code of Ethics, and the fiduciary standard. While the CFP® is not as academically rigorous as many formal post-graduate degrees, it is ideally suited for personal financial planning. Further, the breadth and depth of examination material help CFPs® uncover and transform planning-related unknown unknowns into known unknowns.Episode ReferencesAaron Agte, CFP ProfileInvesting Forever - The Three Key Benefits of Sound Investment Management AdviceInvesting Forever - Where should you turn to for advice?CFP Code of EthicsFind a CFP ProfessionalHow to Choose a PlannerCFP.netForbes: 10 Years of the Backdoor RothModified Endowment ContractPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

On today's podcast I am happy to be hosting Trishul Patel, Wealth Manager at Investing Forever Advisory.On today's podcast we talked about the F.I.R.E Movement, building residual income so you don't have to work and whether governments can just print money forever. Trishul Patel achieved financial independence before 40 and he gets up every day to help others do the same. He prioritized aggressive savings and identified the things that are truly important in his life.Trishul has been investing for almost two decades. Over his professional career, he has designed large-scale financial applications for tier-one banks. He likewise managed an exotic options book out of South-East Asia, generating over $750 million in revenue in three years and was a Portfolio Manager for a Hedge Fund, managing over $100 million in assets.Trishul Patel - LinkedIn - https://www.linkedin.com/in/trishul-patel/Twitter - https://twitter.com/mms_podcastPodcast - https://podcasts.apple.com/us/podcast/the-mind-money-spectrum-podcast/id1492349679?uo=4Website - https://investingforever.com/WTFinance - Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfnTikTok - https://vm.tiktok.com/ZMeUjj9xV/iTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Linkedin - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

What to think about before applying to college.In this episode, Trishul and Aaron discuss the planning that parents and students go through before applying for college. Aaron shares his experience as a high school student and how he funded all four years with scholarships. Trishul explains how he started saving two years before his daughter was born. They discuss grants, loans, and the Expected Family Contribution. There are so many resources available to help fund higher education that you need to start researching as early as you can.Episode ReferencesMMS #28. Is a million-dollar higher education worth it?MMS #23. Molly Laughter: How to conquer debt and still get ahead.MMS #81. Molly Laughter: Don't refinance those student loans until you listen to this episode.Fastweb scholarship search (What Aaron used to find so many scholarships)StudentAid.gov EFCFinancial Aid EstimateStudent Aid IndexExpected Family ContributionFinancial Aid SearchSallie Mae scholarship findHow to spot and avoid scholarship scamsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

ProPublica brings awareness to how the wealthy are not impacted by income taxes.In this episode, Aaron and Trishul discuss the ProPublica article that explored the True Tax Rate of the wealthiest Americans. The article examined income taxes as a percent of growth in wealth. The findings were nothing short of remarkable. Our hosts explore the fairness of ProPublica's methodology and further uncover our income tax system's regressive nature. They go through a thought exercise to unwravel the rationale behind taxing income, and relate how the current system contributes to wealth inequality. While any solution will be messy, there's no funadmental reason why we can't come up with something better. Unless of course we simply don't have the will to do so.Episode ReferencesMMS #27. Can a Universal Basic Income really pay for itself?MMS #37. How to get rich and never pay a dollar in taxes.MMS #38. The U.S. tax system is screwing you over. Here's what you can do about it.Warren Buffett resigns from Gates FoundationForbes 400Wealth InequalityProPublica: Why We Are Publishing the Tax Secrets of the .001%ProPublica: The Secret IRS Files: Trove of Never-Before-Seen Records Reveal How the Wealthiest Avoid Income TaxProPublica: How We Calculated the True Tax Rates of the WealthiestProPublica: The Secret IRS Files Short Form: A Quick Guide to What We UncoveredTop One PercentPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Investing in real estate isn't bad, but that doesn't make it good.In this episode, Trishul and Aaron explore real estate as an asset class. They discuss individual investment properties, non-traded REITs, and publicly traded REITs. Real estate investments include equity and fixed income components, and they can have a low correlation to stocks and bonds. But it is the leverage that mortgages provide that makes all the difference. Even so, do you really need real estate in your portfolio?Episode ReferencesMMS #13. Is real estate just a real pain?Asset Return Assumptions(VNQ) Vanguard Real Estate ETF - Performance(VMBS) Vanguard Mortgage-Backed Securities ETF - PerformanceReal Estate Investment Trust (REIT)REIT DefinitionREIT Dividend Tax RatePodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Even if the Yale Model works for endowments, you probably shouldn't follow it.In this episode, Aaron and Trishul discuss the Yale Model. With indefinite investment horizons, endowments typically gravitate towards illiquid investments, such as hedge funds, private equity, and venture capital. Trend following aims to take advantage of human irrationality. Long-short allows you to adjust and perhaps stamp out market risk. M&A takes advantage of price jumps when companies get bought out. Venture capital understands that most bets will lose money because the winners will make up for the rest. Unfortunately, smaller investors end up paying 3-4% a year in combined fees. Even so, the returns are worth it, right?Episode ReferencesDavid SwensenWhy You Should Still Invest Like YalePrivate EquityValue and Momentum EverywhereHedge Fund FeesFunds of FundsDo Funds-of-Funds Deserve Their Fees-on-Fees?Podcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Commodities probably don't help your portfolio the way you think they do.In this episode, Trishul and Aaron discuss how commodities may fit into an asset allocation. In theory, gold, oil, and even corn can be a store of value and provide opportunities for speculation. And with futures and the magic of margin leverage, it's possible to amplify returns. Further, according to asset allocation research, securities with low correlations and positive expectations can even improve overall risk-adjusted returns. Nevertheless, can we safely assume that commodities will generate positive inflation-adjusted returns in the future?Episode ReferencesTax Efficient Way to Own GoldSEC vs CFTCDerivative Contract MarketsFuturesShort FuturesTaxes on CommoditiesCommodity Trading Advisor (CTA)Podcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

It's easy to be pessimistic about bonds, but they are actually necessary for your portfolio.In this episode, Aaron and Trishul go in-depth on why you need bonds. Despite low rates of interest and their limited ability to outpace inflation, bonds are essential in all but the most aggressive of portfolios. By understanding the mechanics of coupons, par value, credit quality, and duration, you can start to understand why bonds are a sensible low-risk, low-return investment. When stocks tank, there may be a flight-to-safety, which can drive bonds up. But the biggest benefit of fixed income comes during withdrawals, where bonds can mitigate your sequence of returns risk when it matters most.Episode ReferencesiShares Total US Bond MarketBND PerformanceYield To MaturityDurationKitces: Bond Tent mitigates Sequence of Returns RiskPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Molly breaks the the do's and don't's of student loans.In this episode, Molly Laughter joins Trishul and Aaron for an all-encompassing look at student loans. With Covid forbearance ending soon, what are some of the options you have in front of you? She explains Direct vs FFEL loans, income-driven repayment plans, and consolidation vs refinancing. Depending on your income, employer, family, and desires, there are many paths available to you. But don't get too far until you digest these key points from Molly.Episode ReferencesMMS #23. Molly Laughter: How to conquer debt and still get ahead.Laughter Financial WebsiteStudent Loan PlannerTaxes and Student Loan ForgivenessStudent Loan Debt Forgiveness InsolvencyPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Why being neutral on growth vs value may actually be speculating.In this episode, Aaron and Trishul do a deep dive on asset allocation. The percent of stocks vs the percent of bonds in an investment portfolio. They explain how an all-stock portfolio is less risky than you think, while an all-bond portfolio is even riskier than you may believe. Losing money is only one type of risk. But if you understand all the other risks involved, you then get to decide which risks are the most important to your situation.Episode ReferencesMMS #43. Is your asset allocation putting your retirement at risk?MMS #42. Investment strategies evolve, but is your portfolio stuck in a foregone era?Investing Forever - Why invest in one thing over another?Investing Forever - Efficient Market HypothesisInvesting Forever - Risk, EverywhereInvesting Forever - Why buy-and-hold can save you bigHarry MarkowitzPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Step-by-step instructions for implementing your own tax-loss harvesting strategy.In this episode, Trishul and Aaron try to design an algorithm for a do-it-yourself tax-loss harvesting program. They illustrate the benefits of harvesting with specific equity ETFs. They then debate how often to check for losses and how to maintain asset allocations after realizing a loss. They also propose how to get back to your original portfolio while avoiding wash sales. And if you want to make this all work well, don't forget to track individual tax lots instead of average cost basis.Episode ReferencesMMS #68. Don't get burned by what you don't know about cost basis.MMS #69. Uncover the unknown unknowns of cost basis to unlock real savings.MMS #73. Is direct indexing the future of investing?Cost Basis: Tracking Your Tax BasisInvestopedia: Cost BasisInvestopedia: What Determines Your Cost BasisCost Basis for Real EstateInvestopedia: Bid-Ask SpreadInvestopedia: Tax-loss harvestingInvestopedia: RebalancingWash Sale RuleVanguard Advisor AlphaPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

With modern administration measures, pension plans can be an executive's dream come true.In this episode, Aaron and Trishul discuss the other type of retirement plans, defined benefit plans AKA pensions. They start with the history of pensions and the emergence of ERISA. By calculating the benefit based on age and income, employers can fund significantly more on a pre-tax basis than defined contribution plans such as 401k's. They discuss the cons during the accumulation phase and the pros during the distribution phase. By understanding the math, both employees and employers can make better decisions related to pensions.Episode ReferencesHistory of the PensionWhat is an ERISA Bond?IRS: Defined Benefit PlanInvestopedia: Defined Benefit PlanUnfunded Pension PlanQualified vs Non-Qualified Benefit PlansPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Retirement plans are really complex...maybe more complex than they should be?In this episode, Aaron and Trishul discuss a variety of the most common retirement plans. In exchange for substantial tax benefits, investors need to navigate a myriad of rules and restrictions. Aaron and Trishul discuss small business plans, including SEPs, SIMPLEs, and Solo 401k's. They then dig into bigger business plans, including 401k's, 403b's, 457's, and TSP's. By the end, you'll understand how non-Roth after-tax voluntary contributions can allow you to shelter close to $60k a year through a Mega-Backdoor Roth conversion.Episode ReferencesMMS #30: How to unlock the power of the Roth IRAIRA Rollover ChartSmall Business Retirement PlansIRS Rollover ChartCOLA Increases401k vs 403b vs 457IRS comparison of 457 and 401kNondiscrimination TestPros and Cons of rolling over your 401kIndividual KBackdoor RothPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

All the different flavors of financial advice.In this episode, Trishul and Aaron discuss the value of financial planning beyond just investments, such as taxes saved, utilizing retirement plans, and insurance analysis. They go over the pros and cons of working with an advisor who also sells the recommended insurance and investment products. This brings up the history of financial advice and the difference between fee-only, fee-based, and commission-only. No compensation structure is free of conflict or misaligned incentives. Even so, understanding the nuances involved can help you find an advisor that will put your interests first.Episode ReferencesMMS #75. How credible are the purported benefits of financial advice?Investing Forever - Fiduciary OathInvesting Forever - Where should you turn to for advice?RIABroker-DealerAgentFINRA Qualification ExamsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Methodology on studies on the tangible and intangible benefits of working with a financial advisor.In this episode, Aaron and Trishul examine research that tries to quantify the value of financial advice. High client retention rates imply that clients are happy. But how do you measure the value of advice? Past studies may have overstated the behavior gap. But recent studies provide additional insights beyond this singular metric. So don't forget about asset allocation, rebalancing, asset location, and tax-efficient investing. And beyond investing, perhaps it's the benefits from sound financial planning that make the biggest impact on happiness and well-being.Episode ReferencesInvesting Forever - The Three Key Benefits of Sound Financial AdviceInvesting Forever - The World's Most Expensive HobbyVanguard: Advisor's AlphaKitces: DALBAR study overstates behavior gapA Simple Explanation for DALBAR's misleading resultsDo Knowledgeable Investors Need a Financial Advisor?Average Stock Holding Period on NYSEPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

These differences between Financial Independence and Retiring Early always get missed.In this episode, Trishul and Aaron explore the benefits of Financial Independence unrelated to Retiring Early. Some people no longer work for money, some maintain their status quo, and others enjoy increased security and control. Even so, all these perks do not necessarily require Financial Independence. And there's no need to wait until retirement either to shift in your mindset. So perhaps the benefit of working with a financial advisor is to turn the fear of future unknowns into the comfort gained from knowing you are on track to live your best life.Episode ReferencesMMS #1. What's the big deal about FIRE?The Power of Purpose and Meaning in LifeA hobby may stave off depressionCoast FIREConfessions of an Overnight Tech MillionaireFinancial Independence without Retiring EarlyThe Benefits of Feeling in Control as We Age7 Reasons to Keep Working After Financial Independence5 reasons to keep working after financial independencePodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Direct Indexing is the ideal combination of tax-loss harvesting and low fees.In this episode, Aaron and Trishul focus on the things you can control when it comes to investing. Asset allocation, low fees, and managing taxes. Tax-loss harvesting when an investment is down can help you grow your net worth more effectively over market cycles. But it works best when you use many securities so that when some things are zigging, others are zagging. Direct indexing is the culmination of low fees AND tax-loss harvesting at the individual stock level.Episode ReferencesSEI Direct IndexingKitces: Direct IndexingIndices 2020Betterment: Tax-Loss HarvestingWealthfront: Tax-Loss HarvestingTax Efficiency of ETFs vs Mutual FundsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Some do outperform the market, but how many, and how do you find these people?In this episode, Trishul asks Aaron "How many people actually beat the market?" By focusing on the process and methodology of how they would even try to answer this question, they go through a variety of hypotheticals. Investment horizon matters. There are also investment risks, personal risks, and career risks to consider. They compare active managers to professional gamblers to examine how what may have worked in the past for an individual may not work in the future at scale. Listen to the end to see why there is probably less than a 1% chance of consistently outperforming a benchmark over long periods.Episode ReferencesMMS #2. Buying stocks can be fun, but don't fall into these common traps.Investing Forever - Passive Is the New AggressiveInvesting Forever - It's all about fees.Investing Forever - Luck vs. SkillVanguard Advisor AlphaThe Wyatt Earp EffectPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

It is easy for mortgages to be confusing. Learn how to compare the many choices available.In this episode, Aaron and Trishul discuss mortgages and refinancing. With closing costs, points, interest rates, terms, Loan-To-Value, owner-occupied vs non-owner-occupied, recourse vs non-recourse, and fixed vs. ARMs, it is difficult to make a true apples-to-apples comparison across different mortgage options. They discuss what to look for and what traps to avoid, to not only find the mortgage that makes the most financial sense but one that best fits your lifestyle.Episode ReferencesMMS #66. Brittany Mollica: Master your credit score.7 Tricks When Refinancing a Mortgage30 Year Fixed Mortgage Rate ChartCPIRecourse vs Non-RecourseARMConforming Loan LimitsWhat are Jumbo LoansRefinance RatesPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

The median household pays more taxes in Texas than in California.In this episode, Trishul and Aaron explore different state and local tax rates across the country. In addition to state income taxes, they look at property taxes, sales taxes, and excise taxes on goods such as on gas, alcohol, and tobacco. While income taxes are consistently progressive in the states that actually charge an income tax, most of the other taxes are regressive when compared to income. The overall impact is that taxes end up disproportionately burdening the poor, which has led to greater inequality over time.Episode ReferencesWho Pays?State Income Tax BracketsStates with Highest and Lowest TaxesNew York State Tax ProfileCalifornia State TaxSales and Use Tax RatesExcise TaxFinnish Speeding Ticket Based on IncomeTaxation of Muni BondsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.