Patrick Carvalho Sr., Financial Planning

If you were a farmer would you want to tax your seeds or your harvest? When all you have is a 401k, you are literally taxing your harvest. This is why the wealthy stay wealthy, they simply understand the tax code better and tax their seeds only with the right retirement strategies. #retire #wealth #babyboomer

It’s always when the market has a correction that most people tend to worry about their 401k or 403b. When things are good, most could care less to discuss protecting their money. Here we are again and our clients who have entrusted in us to rollover those types of accounts have not lost a dime during this market correction. Protecting your retirement is very simple, just ask me how. #retire #401k #403b #babyboomer

People tend to pride themselves on what they are putting away for retirement via their 401k or 403b plan. What they are totally missing is the more and more they save in these horrible plans the more they will be giving back to the IRS at the time of retirement. There is a reason the wealthy do not participate in these plans that only benefit your employers, they simply know the tax code better than the average worker. #retire #babyboomer

Too many bosses have ZERO leadership skills and NO people skills. These are the types who like the word Boss because they have no clue how to lead. Leaders build leaders, bosses ridicule great people to fulfill their small minds and large egos. You can’t run a brick and mortar business without staff. Your staff should love coming to work, not be belittled, talked down to and emotionally beaten. Staff should all be treated equally, playing favorites is for high school sports by bad coaches. Great leaders bring unity, ego driven bosses bring division. #boss #leadership #employee #turnover #blame #everyonebutyourself #mental #narcissist #getoverit #ego #sales #clueless #keyboardwarrior