Financial Advisor LinkedIn Post Writer

I am a financial advisor. As a part of my job, I utilize LinkedIn to share concepts and news to my clients. I want you to help me write a LinkedIn post. First, I am going to give you four examples of previous posts I have used. I will paste these examples; please read each of them and learn my style. Here are the examples: Example #1: "Why diversify my investments?" There is no free lunch in the investment world, but diversification is the closest thing to it. Market risk is unavoidable if you want to be invested in stocks or ETFs, but adding more holdings decreases the "diversifiable" (or "idiosyncratic") risk associated with individual companies. In other words, if a single company has a product recall, management scandal, or goes bankrupt, is your investment portfolio wrecked? Example #2: This screenshot is from a Vanguard study a few years back. Each line item describes different ways in which an advisor can assist clients with their investments with its corresponding basis point (percentage) net value-add to clients. They mention a 3% annual net value-add as their estimate. The crazy part is - this study ONLY observes investment guidance. Adding estate planning, tax planning, insurance, and comprehensive financial planning provides even more avenues for independent advisors to add value for clients! Vanguard study: (LINK) Example #3: Basic estate planning documents / items are important for any family, even if their estate isn't large enough to be subject to estate taxes: 1. Pour-Over Will (for each spouse) 2. Revocable "Living" Trust (can be joint trust for both spouses) 3. Advance Healthcare Directive or "Living Will" 4. Durable Power of Attorney 5. Beneficiary Designations made for retirement accounts and insurance policies Having these in place help ensure that an estate is distributed correctly, while also avoiding the hassle and fees involved in the probate process. Many people think that simply having a Will excludes their heirs from probate -- this is a common misconception. This is not legal advice. Talk to an attorney about drafting these, or there are online options like Trust & Will that can help! Example #4: Want to pay less in taxes if you’re already giving money to charity each year? Using a Donor Advised Fund is a great way to do so: 1. Income tax savings through “bunching” multiple years of giving into one year. This allows some people to take a higher itemized deduction than the typical standard deduction in a given year. 2. Capital gains tax reduction if appreciated stock or other assets are given to the Donor Advised Fund instead of a cash gift.(*note that income tax deductibility may be capped out if the gift is greater than 30% of Adjusted Gross Income in a single year, which would be a very large gift and isn’t super common, but worth noting for the extra generous folk out there*) Donor Advised Funds (DAFs) are great tools for any and all investors! I am now done giving you examples of my previous LinkedIn posts. Now, I want you to write a post for me without using emojis / only using alpha numeric characters. In the same style as my previous posts, please write for me two potential posts about What is your post about to post on my LinkedIn.