Paul Dziepak - Financial Advisor

02/16/2022

Are you able 🧐 to figure this out without cheating?

30 days...

Someone is taking a step but increasing that one step exponentially each day.

Day 1... 1 Step
Day 2... 2 Steps
Day 3... 4 Steps
Day 4... 8 Steps
Day 5... 16 Steps..

With each day the steps double, it can be hard for us to grasp.

Our brains think linearly when the world around us changes exponentially.

This is exactly what makes retirement planning so difficult, there are so many moving parts that are changing exponentially over the years including investment returns and inflation.

Interested in possibly working together?

More on what that looks like here: https://pauldziepak.com

02/05/2022

Is the 🏠 Housing Market 🔥doomed🔥 to Crash in 2022?

There seems to be a common feeling I have been noticing about this, is there any legitimacy to it?

I would love to hear what you think, let me know what I am missing...

01/31/2022

Due to inflation and ever increasing food prices... The CDC has officially changed the "5-Second Rule" and is extended to "10-Seconds"
😆😀🤪

01/31/2022

😭 3 Most Common ways to 🔥RUIN🔥 your Social Security Income...

1. Filing at the wrong time.

Most people know that you can start receiving benefits as early at age 62, what you may not realize is how much it can increase by waiting (each month counts)!

2. Ignoring Spousal Benefits (Possibly includes you even if divorced)

3. Doing this one things can cause up to 85% of your Social Security income to be taxed!

If you need help navigating these decisions please reach out for a free consultation, 15 minutes on the phone could make a big difference. (Located in Michigan)

https://pauldziepak.com/

01/25/2022

🔥 Stock Market Fear is at a 12-Month High 👇

The S&P 500 just did something yesterday that has not been seen since October 2008!

Let's talk more about what is going on and what to do about it.

https://pauldziepak.com/

01/18/2022

Did the stock market really do that well in 2021?

The stock market index, specifically the S&P 500, is a basket of the largest companies in the USA. Usually 500 stocks (but not always).

Is this a fair way to measure the overall market? I think it becomes less and less accurate as the years go on, let me explain...

Stocks are not treated equally in the index, the larger the company the more weight it has on the overall index return.

So the market was up nearly 27% last year (2021) but, according to Goldman Sachs, it was only 5 stocks that attributed 32% of that performance! That is incredible! What if those stocks did poorly?

I am a financial advisor here in south eastern Michigan and if you like me to help you with your investment portfolio you can see more specifically what I do and how I have a unique fee structure here: www.pauldziepak.com

01/14/2022

How the Bureau of Labor Statistics hurts your retirement.

Could this January 2022 change impact your retirement? Unfortunately, if history tells us anything, there is a high likelihood of a negative impact on your future retirement lifestyle.

The Bureau of Labor Statistics is making a change starting in January 2022. They are making slight changes in CPI calculations.

This is how it can impact your retirement...

01/10/2022

GM is no longer the automaker with the most sales. GM has had that title every year since 1931, this year it's Toyota.

Toyota outsold GM in the US for the first time

01/05/2022

Stock Market Crash Coming in 2022?

👆That is a common search on youtube.

I outline a few ways you can avoid a possible stock market crash and why you may consider making some changes in your investment portfolio.

06/02/2021

Do you have to pay capital gains if you are selling your home for a profit this year?

I have been asked this question twice this week already. With home values at their highest ever, more people are considering selling but are unsure of the tax consequences.

Ask your CPA how this applies to you, but as a reference, you will likely not need to pay unless your profit is over $250k as a single filer or $500k when married and filing jointly.

Here is a quick article outlining more info...

Capital gains taxes on real estate and property can be reduced when you sell your home, up to certain tax limits, if you meet the requirements.

04/10/2021

The world is changing. Zillow has now turned it's "Zestimate" into cash offers on homes in 23 U.S. cities. They are calling it "Zillow Offers."

I see this changing real estate in a big way. If this catches on there will now be a floor on home pricing. Who would ever take an offer less than it's Zillow offer? Nobody.

Will Zillow now be able to control real estate prices?

CNBC: Zillow president says there's a great reshuffling happening right now.

Zillow president Susan Daimler says the housing market is hot right now with record number of people thinking about buying and selling their homes. He joins 'Closing Bell' to discuss the housing outlook for 2021.

03/18/2021

If you lend the government money today, they’ll give you 2.5% per year and return all of your money in 2051