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Alex Neri CFP

Financial Partner at Cultivate Financial Planning
Host of Roadmap To Retirement Podcast

11/03/2025

Client- How much should I be saving in my retirement accounts?

Alex- How much are you saving in your retirement accounts?

Client- 5%

Alex- Let's try 6%

What's the right answer? It depends.

An in-depth analysis using all my fancy software MIGHT tell you that the OPTIMAL savings rate to reach your stated goals is 20%ish.

If so, then 20% is one of the right answers.

BUT if you can't actually afford to save 20% and stick with that as a plan... then who cares?

If your plan is going to be to suddenly start saving 4 times as much, show me what changed.

Maybe something did change. Maybe you made the last payment on your car or student loans.

Maybe you moved in with a significant other and don't need to make a rent payment anymore.

Maybe you got a fat raise.

If not, let's make a small increase that we can actually stick with and then do it again in 6 months.

10/30/2025

From building a career to seeking fulfillment—how does the purpose of work change over time? 🚀Tune in to learn how understanding your passions can transform your work-life experience. How can that balance be beneficial in retirement?

Thank you Tom Harris for coming on to talk about your retirement journey so far and your thoughts on the "work-life balance" - listen to the full conversation on Apple Podcasts, Spotify or click the link below: https://blubrry.com/3715998/

10/28/2025

Enrolling in health insurance for 2026? READ THIS FIRST

Do hooks like that work?

I see them all the time. Only read this if you want to.

I talk about HSAs a lot with clients and here's why:

1. Triple tax advantaged. Pretax going in, tax deferred growth and tax free coming out if used for health care expenses. Win.

2. The money is yours. If you leave your employer or don't use it by the end of the year, it's still your money. Win.

3. "But Alex, I never go to the doctor. I'm very healthy and don't need it." Good for you. Someday you probably will need it. If you win the health Olympics and never need it, you can someday pull it out and just pay ordinary income tax and you basically have a 401k. Win.

If you have a high-deductible health insurance plan and you are not putting the max into your HSA, I would like to know why.

09/25/2025

Curious about how advisors handle referrals when they’re at capacity?

Bill Cates - Referral Coach shares insights on scaling businesses & maintaining discipline. Discover the art of creating win-win client relationships and listen to the full episode on Apple Podcasts, Spotify or use this link: https://lnkd.in/gdGT7Sfh

Thank you, Bill, for taking the time to have a conversation with me about financial decision-making, nurturing referable relationships, and your new book, “The Hidden Heist.”

09/18/2025

Is getting a mortgage at 6-7% still a smart move?

Tune in to learn how this could be an opportunity for investors. Hear our thoughts on first time home buying and downsizing with retirees. Thank you, Julie Ohmann REMAX for taking the time to come on and talk about the housing market and financial advice with real estate.

Listen to the full episode on Apple Podcasts, Spotify or follow the link below: Is getting a mortgage at 6-7% still a smart move?

Tune in to learn how this could be an opportunity for investors. Hear our thoughts on first time home buying and downsizing with retirees. Thank you, Julie Ohmann, Realtor for taking the time to come on and talk about the housing market and financial advice with real estate.

Listen to the full episode on Apple Podcasts, Spotify or follow the link below: https://lnkd.in/gkQHzCBh

08/28/2025

Do you know your tax bracket? Do you care? - You should.

Let's make it a story about a guy named Sam.

Sam is a young and ambitious recent college grad. Sam gets his first job making 50k.

What tax bracket is Sam in? Did you say 22%? WRONG.

Sam gets a standard deduction of 15k bringing his taxable income to 35k. Sam is in the 12% bracket. - Why does Sam care? Well, it might be important for Sam to save into his Roth IRA/401k rather than the pretax 401k.

Let's do another example. It'll be fun? This time our story will center around a young lady named Sam.

This Sam went to college for a long time and is now Sam, PhD. and gets a great job offer out of school and she will get paid 300k to do smart people stuff. It doesn't matter what. Her job starts on November 1st.

What is her tax bracket? Did you say 35%? WRONG

She's only going to have income for two months this year. 300k*(2/12) = 50k - Both Sams make 50k and are in the 12% tax bracket his year. If I'm Sam PhD. I'd be taking full advantage of this and maxing out my Roth 401k by the end of the year and maxing out a Roth IRA before April 15th. All while eating Romen Noodle. I can wait until January 1st to be rich.

One more:

Sam and Sam PhD meet at a tax planning workshop. Nothing says romance like taxes. They fall madly in love and decide to get married on New Years Eve. What tax bracket are the Sam's in for 2025?

Now they have a combined income of 100k for 2025. You've caught on by now and probably nailed this one. - They now get a standard deduction of 30k, bringing their taxable income to 70k. They still get to be in the 12% bracket. At least for this year.

08/27/2025

"I'm retired now, should my portfolio be more conservative?"

Maybe! Maybe not!

One mistake we see is retirees being too conservative. They've been told their entire adult life, that as they get closer to retirement they need to "lock in" those gains.

So, they default to a 60/40 portfolio and that's where their money sits. If they have a million dollars, that's 600k in stocks and 400k in bonds.

Now, consider our buckets:

- Short-term- money you'll spend in the next 5 years

- Mid-term- money you'll spend in 6-9 years

- Long-term- money you won't touch for at least 10 years

If we are in that 60/40 portfolio and have 400k in our short-term bucket, that means we're spending 80k per year plus SS and maybe a pension.

Is our plan really to spend 40% of our assets in the next 5 years? That can be right, but if it's not, it might be time to make some adjustments.

08/25/2025

Exciting news! 🎉

We've just added new topics and locations to our lineup!📍️ Check out the Cultivate Financial Planning Website to explore our fresh additions and discover the perfect fit for your financial goals.

Whether you're looking to invest, save, or simply get a better grasp on your finances, we've got you covered! 📈 Register now and secure your spot for the topic that'll benefit you the most! 💡

Visit website here: https://cultivatefinancialplanning.com/

07/24/2025

We’re planning upcoming podcast episodes and would love your thoughts! What questions do you want answered or topics you’d like us to dive into?

Comment below and let’s make this a conversation you’re part of!

Address

1 Fishers Road Suite 180
Pittsford, NY
14534

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

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