Zizzi Investments, LLC

Zizzi Investments, LLC Fee-only Investment Management, Financial Planning, and Retirement Plan Consulting.
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Had a great Father's Day weekend.Got some good rest, and spent a lot of time with the family.Also saw my second double r...
06/22/2026

Had a great Father's Day weekend.

Got some good rest, and spent a lot of time with the family.

Also saw my second double rainbow of the year while we were hanging out at the bonfire.

I'm not a technical analyst, but if I were, I'd have to say this is a pretty bullish signal for gold.

Two rainbows. Two arcs. Two confirmations. Two pots of gold somewhere at the end.

Frankly, the chart is setting up beautifully.

**Not investment advice.

A few months ago, when his estimated net worth was around $800 billion, Elon Musk posted this:"Whoever said money can't ...
06/15/2026

A few months ago, when his estimated net worth was around $800 billion, Elon Musk posted this:

"Whoever said money can't buy happiness really knew what they were talking about."

Friday, Elon tested a new level of wealth.

With the SpaceX IPO, estimates have pushed his net worth above $1 trillion.

My guess?

Money still isn't buying happiness at that level either.

For all of human history, we've been testing the hypothesis that more money will finally satisfy us.

It continues to fail.

Don't get me wrong. I'm a financial planner and investor. Money is an incredible tool, but it's just a terrible god.

It can reduce financial stress, buy back time, create experiences, be given away generously, and provide for the people you love.

But beyond a certain point, the things that actually make life meaningful aren't for sale.

A loving family.
Deep friendships.
Purposeful work.
Good health.
Peace that comes through faith.

A sense that your life matters and is connected to something bigger than yourself.

I've worked with enough wealthy people to know that happiness isn't something you finally arrive at when the account balance reaches a certain number.

Because if happiness could be bought, the wealthiest people in history would have already cornered the market.

The real challenge isn't accumulating more.

It's learning to enjoy what's already right in front of you.

Let's talk rockets.SpaceX is not trying to raise $1.8 trillion.They're trying to raise roughly $75 billion at a $1.8 tri...
06/11/2026

Let's talk rockets.

SpaceX is not trying to raise $1.8 trillion.

They're trying to raise roughly $75 billion at a $1.8 trillion valuation.

The valuation could still be 🦇💩 crazy. Time will tell.

But that doesn't mean it's going to blow a massive liquidity hole in the stock market.

Google just completed an $80 billion equity raise and the stock only moved a few percentage points.

One reported investor commitment was $10 billion from Berkshire Hathaway, a company sitting on nearly $400 billion in cash.

Not that they would, but Berkshire alone could theoretically buy the entire SpaceX IPO allocation multiple times over and still have cash left.

Now there are reports this morning that retail investor indications of interest alone are approaching $70 billion.

This has nothing to do with whether SpaceX is worth $1.8 trillion.

It's simply a math problem.

The argument that the market can't digest a $75 billion IPO doesn't make much sense.

Investors don't need $75 billion of new money to appear out of thin air.

They can reallocate existing capital.

Money market funds alone hold trillions of dollars. Institutions, pensions, endowments, corporations, and individual investors move capital between opportunities every day.

The real question isn't whether the market can absorb the IPO.

The real question is what investors might choose to sell in order to buy it.

This could be a cause for some of the recent volatility we've seen in megacap tech stocks leading up to the IPO.

One of my favorite parts of working with families is being part of educating their kids about investing.My parents opene...
06/10/2026

One of my favorite parts of working with families is being part of educating their kids about investing.

My parents opened a UTMA account for me when I was young, and it became a powerful teaching tool. It sparked my interest in the stock market and personal finance, and ultimately shaped my career.

Some advisors avoid UTMAs because they can impact financial aid and because the child gains control of the money at the age of majority.

I understand those concerns, but my experience has led me to a different conclusion.

When I graduated college, I still had a substantial balance in my UTMA thanks to scholarships. I could have spent it all at 22 on a sports car or anything else I wanted. Nobody could have stopped me.

Instead, because my parents had taught me the value of investing, I chose to leave it invested and make my own way.

Years later, the first time I significantly tapped that account was to help my wife and me make the down payment on our first home.

The money my parents had set aside years earlier ended up as a huge blessing to my future family.

To me, that's the real value of a UTMA. It's not just an account. It's an opportunity to teach your kids how to think about money, investing, and delayed gratification.

If my kids decide to blow all their money at 21, that's on them.

My job is to do everything in my power to make sure they're equipped not to.

And as my clients' kids get older, I enjoy having the opportunity to help do the same for them.

Ripping out the kitchen in our first home was pretty fun. Even the dishwasher had this pinkish color paneling on it.

Inflation is brutal.It's what feels so daunting to the next generation that hasn't yet had the chance to accumulate asse...
06/08/2026

Inflation is brutal.

It's what feels so daunting to the next generation that hasn't yet had the chance to accumulate assets.

In an economy built on inflation and an expanding money supply, owning assets isn't optional if you want to preserve and grow wealth.

You can either complain and fall further behind. Or you find a way to live on less than you make and start investing.

Since 1971 when we went off the gold standard, $100 invested in the S&P 500 grew to roughly $32,000 with dividends reinvested.

Productive assets, businesses, of which the stock market is simply a passive form of ownership, have produced the strongest long-term returns.

Meanwhile, a dollar today has only about 12% of the purchasing power it had in 1971.

Real assets such as real estate, gold, and silver have also outpaced inflation over the long term.

What this chart doesn't show is that both stocks and real assets have gone through decade-long stretches of disappointing returns.

That's why going all-in on any single asset class can be risky. Diversification works well to preserve wealth and smooth spending.

For the real estate crowd, leveraged rental real estate has often produced returns comparable to the stock market. But I consider this an active or productive business.

Not the easy "passive income" strategy many promote online.

We've helped several real estate professionals improve outcomes by adding liquidity, diversification, and tax planning alongside their rental real estate holdings.

They're not competing strategies.

For many investors, they work best together.

In one post - Robert Kiyosaki doesn’t touch stocksIn another post - He advocates for a strategy of buying a stock and se...
06/06/2026

In one post - Robert Kiyosaki doesn’t touch stocks

In another post - He advocates for a strategy of buying a stock and selling covered calls on it.

So which is it?

This is why you shouldn’t trust marketing influencers who make their money off engagement farming and don’t actually follow their own advice.

Lying to people but calling it marketing is still just lying to people.

06/05/2026

The most interesting number to me in the jobs report this morning:

A 22,000 decline in employment in financial activities. By far the biggest loser.

The sector is now down 107,000 jobs since its peak in May 2025.

That category covers multiple industries, but it's interesting to see this decline while the stock market continues to push higher.

May 2025 also happens to be around the time many large brokerage firms and insurance company stocks peaked.

My view is that there are two forces at work.

First, higher interest rates continue to squeeze margins on deals that were financed with cheap debt.

Second, firms are beginning to realize that AI will expose how little value some parts of the financial services industry actually provide.

Not all of it, of course. I think great advisors, planners, and operators will remain valuable.

But a lot of administrative work, product distribution, and information gathering is becoming increasingly commoditized.

Stepping back, the overall May jobs report was another strong one.

March and April payroll numbers were both revised higher.

The data continues to suggest we are nowhere near a recession when it comes to employment.

Combined with ongoing capital spending on AI infrastructure and higher oil prices, the picture still looks more like inflationary growth than economic contraction.

The future is never certain, but historically stocks have tended to perform well in this type of environment.

Brandon Turner, a popular real estate influencer, and former social media star of the Bigger Pockets podcast, lost $15,0...
06/02/2026

Brandon Turner, a popular real estate influencer, and former social media star of the Bigger Pockets podcast, lost $15,000,000 million of his investors money in a real estate deal that went south.

He wrote a post disclosing the details of how the deal went south and now it's removed from his accounts, but the damage is real.

There is no such thing as investing with "no money down" or "low money down."

It even says it in his book title. "Creative strategies using OTHER PEOPLE'S MONEY."

The money has to come from somewhere.

There is always risk involved.

Number one rule of investing.

Understand what you are buying before you invest.

05/22/2026

I sat on a Trump accounts webinar this week for CE credit and still the same conclusion as before.

Setting up an account makes sense to be able to receive these three free types of contributions:

- $1000 pilot contribution for newborns (born 2025-2028)
- Gifts from outside donors (like the one the Dell family pledged)
- Employer offering a contribution

However, other forms of savings options for kids still offer more advantages in most cases.

- 529 Accounts
- UTMA (Custodial Accounts)
- Brokerage account in the parents name
- Custodial Roth IRA if they have earned income

I love the concept of helping parents to jumpstart investing for their kids, but other account types still win out in most cases.

If you are self-employed and relied on the now expired enhanced ACA credits, I'm curious to hear how it has changed your...
05/21/2026

If you are self-employed and relied on the now expired enhanced ACA credits, I'm curious to hear how it has changed your healthcare strategy??

For this year, this is the planning startegy for our family below.

The ACA cliff for a family of five in our area is $150,600.

By maxing two pre-tax 401k's and a family HSA the gross income number can rise to $208,350 without factoring any other deductions.

For next year we will most likely be looking to go off the healthcare exchange and move to a health sharing plan or direct plan.

For reference, if we paid full cost for our current exchange plan the premiums would be $26,803 and the deductible is $12,800.

I have dual citizenship in Italy, where health insurance is very low cost, but so far I haven't convinced my wife that early retirement to an olive farm or vineyard is the right move for us.

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Mechanicsburg, PA
17050

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Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 12pm

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+17179619456

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