Michael Reynolds, CFP®
@michaelrey.bsky.social
CERTIFIED FINANCIAL PLANNER™ (CFP®) Fiduciary Financial Planning & Investment Management. 🎙️ Host of Wealth Redefined®️: http://elevationfinancial.com/podcast
"The financial influencers tell me I should just invest in the S&P 500!"
😳
😳
February 3, 2026 at 8:13 PM
"The financial influencers tell me I should just invest in the S&P 500!"
😳
😳
When it comes to investing... 💰
Short-term views can be scary 😱
Long-term views can be reassuring 🧘🏻♀️
Short-term views can be scary 😱
Long-term views can be reassuring 🧘🏻♀️
February 2, 2026 at 3:08 PM
When it comes to investing... 💰
Short-term views can be scary 😱
Long-term views can be reassuring 🧘🏻♀️
Short-term views can be scary 😱
Long-term views can be reassuring 🧘🏻♀️
Managing risk can seem boring...
...until that "thing" happens.
...until that "thing" happens.
February 1, 2026 at 8:13 PM
Managing risk can seem boring...
...until that "thing" happens.
...until that "thing" happens.
Budgeting your money is great.
But don't forget to budget for time and energy.
Money is not everything.
But don't forget to budget for time and energy.
Money is not everything.
January 27, 2026 at 8:13 PM
Budgeting your money is great.
But don't forget to budget for time and energy.
Money is not everything.
But don't forget to budget for time and energy.
Money is not everything.
You can invest in something risky and still end up winning.
This doesn't necessarily mean it was a good decision.
This doesn't necessarily mean it was a good decision.
January 18, 2026 at 8:13 PM
You can invest in something risky and still end up winning.
This doesn't necessarily mean it was a good decision.
This doesn't necessarily mean it was a good decision.
When managing cash flow is an issue, budgeting can be extremely valuable.
Tracking expenses and gathering data is useful.
But don't let the tracking and tweaking become a "place to hide" – you still need to do the actual work of following the budget.
Tracking expenses and gathering data is useful.
But don't let the tracking and tweaking become a "place to hide" – you still need to do the actual work of following the budget.
January 17, 2026 at 8:13 PM
When managing cash flow is an issue, budgeting can be extremely valuable.
Tracking expenses and gathering data is useful.
But don't let the tracking and tweaking become a "place to hide" – you still need to do the actual work of following the budget.
Tracking expenses and gathering data is useful.
But don't let the tracking and tweaking become a "place to hide" – you still need to do the actual work of following the budget.
"Volatility is the toll we pay to invest." – Ryan Detrick, Carson Group
January 16, 2026 at 3:08 PM
"Volatility is the toll we pay to invest." – Ryan Detrick, Carson Group
The most common life insurance mistakes:
➡️ Failing to lock in life insurance when you're young
➡️ Relying on your job for life insurance
➡️ Not having enough coverage
➡️ Buying cash value life insurance
➡️ Failing to define contingent beneficiaries
➡️ Failing to lock in life insurance when you're young
➡️ Relying on your job for life insurance
➡️ Not having enough coverage
➡️ Buying cash value life insurance
➡️ Failing to define contingent beneficiaries
January 15, 2026 at 8:13 PM
The most common life insurance mistakes:
➡️ Failing to lock in life insurance when you're young
➡️ Relying on your job for life insurance
➡️ Not having enough coverage
➡️ Buying cash value life insurance
➡️ Failing to define contingent beneficiaries
➡️ Failing to lock in life insurance when you're young
➡️ Relying on your job for life insurance
➡️ Not having enough coverage
➡️ Buying cash value life insurance
➡️ Failing to define contingent beneficiaries
Financial planning doesn't mean sacrificing your current happiness for a better future.
It means organizing your financial life so that you can secure your future AND have a better life right now.
It doesn't have to be one or the other!
It means organizing your financial life so that you can secure your future AND have a better life right now.
It doesn't have to be one or the other!
January 14, 2026 at 3:08 PM
Financial planning doesn't mean sacrificing your current happiness for a better future.
It means organizing your financial life so that you can secure your future AND have a better life right now.
It doesn't have to be one or the other!
It means organizing your financial life so that you can secure your future AND have a better life right now.
It doesn't have to be one or the other!
According to my AI note taker, I had a lot of meetings this year!
December 9, 2025 at 8:13 PM
According to my AI note taker, I had a lot of meetings this year!
The latte factor is overblown ☕️
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
December 5, 2025 at 3:08 PM
The latte factor is overblown ☕️
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
Focus on big expenses 💰
And more importantly, increasing your income 💪🏼
Not all meaningful gifts come from stores.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
December 4, 2025 at 8:13 PM
Not all meaningful gifts come from stores.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
Babysitting for a stressed parent.
Cooking a meal for a friend.
Writing a thoughtful letter.
Planning a day together.
If you’re feeling financially stretched this season, remember: the most valuable thing you can give might be your time and energy.
A Donor Advised Fund (DAF) is a great way to "de-couple" the timing of the giving from its tax deduction.
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
December 3, 2025 at 3:08 PM
A Donor Advised Fund (DAF) is a great way to "de-couple" the timing of the giving from its tax deduction.
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
You can pull the tax lever in high-earning years and then decide later how to give.
And the money inside the DAF can be invested for long-term growth!
Happy Thanksgiving!
November 27, 2025 at 2:15 PM
Happy Thanksgiving!
Submitted without comment...
November 19, 2025 at 3:08 PM
Submitted without comment...
Examples of recency bias in investing:
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
October 30, 2025 at 7:13 PM
Examples of recency bias in investing:
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
😱 Emotional responses to recent events
🔎 Short-term performance focus
🏃🏻 Trend-chasing behavior
👎🏽 Neglecting historical data
🤠 Overconfidence in the latest information
All these can lead to poor investment performance.
Holidays can be a wonderful time, but can also be a stress on your budget.
Make a plan now to avoid getting in over your head during the holiday season.
Make a plan now to avoid getting in over your head during the holiday season.
October 11, 2025 at 7:13 PM
Holidays can be a wonderful time, but can also be a stress on your budget.
Make a plan now to avoid getting in over your head during the holiday season.
Make a plan now to avoid getting in over your head during the holiday season.
It can be scary when the market temporarily dips and your account value goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
October 10, 2025 at 2:08 PM
It can be scary when the market temporarily dips and your account value goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
But if you zoom out, you'll see that over time, the market goes up more than it goes down.
The best time to start investing was 20 years ago.
The second best time is today.
The second best time is today.
October 9, 2025 at 7:13 PM
The best time to start investing was 20 years ago.
The second best time is today.
The second best time is today.
Things you can't control:
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
October 8, 2025 at 2:08 PM
Things you can't control:
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
🚫 Market returns
🚫 Tax rates
🚫 Legislation
Things you can control:
✅ Savings rate
✅ Tax efficiency
✅ Spending
Financial planning doesn't sound very exciting, but the results certainly are!
October 7, 2025 at 7:13 PM
Financial planning doesn't sound very exciting, but the results certainly are!
Increasing your 401k little by little is a great way to eventually get to a really healthy savings rate.
October 4, 2025 at 7:13 PM
Increasing your 401k little by little is a great way to eventually get to a really healthy savings rate.