Advising high earners and their families since 2004. Securities offered through LPL Financial, Member SIPC https://nitter.cf/t.co/OqkdUmCGPx
Greater Boston, MA
Joined December 2009
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I'm Julian B. Morris. Clients call me JB 👋
I write about what money does to people: RSUs 📊, retirement ⛵, family 🫂, legacy 🌳. Plus Boston takes and dad jokes nobody asked for 🙃
CFP® | ChFC® | CLU® | Investopedia Advisor Council
(Info only, not personal advice)
You moved to Wellesley for the schools. Now you're paying private school tuition too. That's paying for school twice 🏫
Your property taxes already cover a great district. The second check mostly buys a sweatshirt with a crest on it 😅
Married people should merge the money 💍
Separate yours-and-mine accounts turn every date night into splitting the check 🧾
When someone turns 40, I ask if their back hurts yet.
In your 40s you throw it out picking up a sock. And the disability plan at work usually caps the payout and skips your bonus and RSUs 😬
Check what you'd actually get. Then bend at the knees 🧦
Everyone says you have to own a home. I don't buy it 🙋
A teardown in Newton or Needham runs $1-2 million. Renting near work and investing the difference is a perfectly good plan.
Plenty of people in those towns are house rich and eating cereal for dinner 🥣
Watches aren't an investment. They're jewelry ⌚
Nobody cares about your Patek or your AP except you 🙄
Five years on a waitlist for a Submariner doesn't make it a portfolio. That's the Fisher-Price My First Rolex 🧸
1/3 Clocks went back last night and you got an extra hour 😴
There are 60 days left in the year. Any year-end money move that needs paperwork won't get done the week between Christmas and New Year's.
2/3 Give the charity stock you've held more than a year, not cash.
They get the full value and nobody pays capital gains tax on the growth.
Stock transfers take days, and every brokerage gets buried in late December 📨
Three Amazon boxes on the porch 📦
You say they're not yours. Your spouse says they're not theirs. The dog didn't order 48 AA batteries 🔋
Go through the card statement together once a month 💳
Tonight Dad takes 30% of the Kit Kats off the top 🎃
Congratulations, your kid just learned about withholding 🍭
When the first real paycheck shows up, sit down with them and go through the pay stub line by line 👻
Take the big trips in your 50s, even if it pushes retirement back a year ✈️
Your knees won't be in better shape for the Amalfi stairs at 72 🦵
Book it 🗺️
Six framed Brady jerseys in the basement 🏆
Still not putting in enough to get the full 401(k) match 🧢
Raise your contribution until you get every dollar of it. It's free money 🏈
Trying to beat the index is a waste of your time 🏁
The goal is retiring when you want to, with the bills paid ⛵
Own the whole market and leave it alone. That gets most families there 🥱
December is truck season for business owners 🛻
Spend $80,000 to save $25,000 in taxes. Great deal. For the dealership 🔑
Buy it if the business needs a truck. Otherwise you're down $55,000 and you own a truck 🤷
Every April someone in Kendall Square finds out 22% and 35% are two different numbers 😬
Your company withheld 22% federal on your RSUs. Your bracket is 35% 🔢
Bump the withholding on your last few paychecks of the year ✏️