Tyler Shamblin - Wealth Advisor

05/15/2025

Start a new job recently? Don’t forget these financial to-dos:

1️⃣ Check if you’re W2 or 1099.

This is so simple.
But the consequences are worth thousands.

If you’re W2 and you make $100,000, your payroll tax is $7,650.
If you’re 1099, it could be up to $15,300.

I’m assuming you don’t want to owe the IRS a surprise $7,650 extra than you expected.

Self-employed = you pay payroll tax for employEE and employER

2️⃣ Learn your employee benefits.

- Do you need to find a better home for your 401(k)?
- Does your new health plan not offer HSA?
- Are you losing a substantial amount of life insurance?
- What happens to your old company stock?

Simply by reviewing your old/new company’s benefits, you can take advantage of some opportunities.

3️⃣ Recalculate your savings/investments.

You may be sticking to a plan like “Invest 15% of my income for retirement.”
Well, what if 15% of your income just became a bigger number?

This goes with the adage “pay yourself first.”

4️⃣ Spend $100 to celebrate you.

You’ll make the $100 back somewhere.

Treat yourself.

Go see a sports game. Or a show.
Get your nails did.
Buy some new shoes.

I’d love to see you experience your wealth.
Not win the “richest person in the cemetery” competition.
(But do get back to the financial plan, obviously.)

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If you changed jobs recently, your financial future by nature will change too.

Do you trust yourself to cover all your bases?

Would you prefer to have someone make sure all your gaps are covered?

If it’s the latter, you can get on the right track by:
- Sending me a message.
- Visiting my firm’s website.
- Checking out my profile for more financial content.

12/03/2024

Guess who was humbled by a 1-year old this morning 🙋🏻‍♂️

In the middle of this constant grind to build a business…

To deliver value to clients…

To fulfill a vision for my family…

I find my 1-year-old doing the thing I haven’t done in weeks.

She’s reading her own Bible.

(Pointing at the animals on Noah’s Ark and making noises, but still.)

Trust me, as a very long-term planner, I understand wanting to leverage resources to create your ideal life.

It’s kind of my job to help you with that.

But don’t forget that we’re stewards of what God gives us.

It’s important to:

• Buy term life insurance
• Invest in diversified assets
• Focus on growing income over reducing expenses

But it’s also important to:

• Talk to God
• Listen to God
• Apply what He teaches

And that starts with reading Scripture.

Our spiritual responsibility isn’t mutually exclusive from our financial responsibility.

Thanks to Ivy for the reminder!

10/17/2024

Did you know that the Dallas Cowboys have never won the World Series?

Now before you go all “nice observation, Sherlock” 🧐 on me, there’s a reason this matters.

Some of you are passing on certain investments because they haven’t had good returns compared with other funds…

…BUT some of those funds aren’t even playing the same game!!

When you’re comparing investments, it’s important to make sure you’re comparing apples to apples.

In finance, we call comparison tools “benchmarks.”

Examples:
- S&P 500 (large US stocks)
- NASDAQ (large US growth stocks)
- Russell 2000 (small US stocks)
- MSCI EAFE (foreign developed stocks)
- Bloomberg AGG (US bonds)

These fancy finance terms are basically measuring sticks for how a fund is doing.

If you had a Small US Stock fund, you’d compare it to the Russell 2000.

‼️ Here’s where some of you mess up.

Some of you compare every investment you own to the S&P 500.

That’s like judging the Dallas Cowboys for not being good at baseball.

They aren’t even playing that game.

So they shouldn’t be measured by that metric.

When you’re building your investment portfolio, make sure you’re measuring success with the right tools.

——

I help people with a lot more of their finances than just investing.

But investing is still an important piece.

If you want an investment plan that can work, aligns with your goals, and is easy to understand…

💬 Send me a message OR
👤 Click on my face to learn more about how I can help.

10/10/2024

Why is Trust so important in hiring a Financial Planner? I'll let Seinfeld explain:

Jerry & George have been taking their cars to a mechanic, Puddy, who they feel is the most honest in the business.

Jerry & Puddy get into a fight, and Jerry has to take his car to someone else.

Only problem: the new mechanic's prices seem astronomically high.

Jerry confides in George, thinking the new guy is trying to screw him.

George: "Well, of course they're trying to screw you. What do you think?
That's what they do. They can make up anything. Nobody knows. 'By the
way, you need a new Johnson rod in there.' 'Oh, a Johnson rod. Yeah, well,
you better put one of those on.'"

The frustration about mechanics taking advantage of customers who don't know any better...well, it's not unique to car shops.

Finance may be daunting and confusing for you.

It may seem like the more you try to learn, the more you don't understand.

That's why it's important that you trust the Financial Planner you hire to do the hard finance stuff.

And that's why when I work with my clients, I make sure to EDUCATE them on topics they don't understand.

I think my clients could vouch for me--I try to explain anything that isn't clear at beginner level language.

(Which was especially challenging in a recent conversation about non-qualified stock options with a tricky vesting schedule at a privately held company.)

Let me be your David Puddy.

If you think you're getting hoodwinked, bamboozled, swindled.....then message me and I'll help translate Financial-ese to you.

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"Why should I trust you?"
💻 Visit my bio at my firm's website. I'm a human with feelings, just like you.

Want proof that I'm here to educate & serve first?
✉ Comment "GUIDE" and I'll send you 9 Common Mistakes When Retiring Early -- your fast track to learning how to be financially independent ASAP.

10/07/2024

How to fix college sports (coming from a former D-II walk-on safety/punt returner):

Have you been following the Wild West that is college sports right now?

One of the latest developments is a QB quitting on his undefeated* team because an NIL deal went wrong.

And this story is just the tip of the iceberg.

More and more players are sitting out games in the middle of the season.

I wonder if there’s a solution that benefits BOTH the schools and the players.

⛹️‍♂️ The players want to benefit financially for their hard work.

🏫 The schools want security that the players will produce what they recruited them to do.

MY PROPOSAL:

Using my financial planning brain, the boosters/schools/whoever is paying the kids should open a non-qualified deferred compensation package (NQDC).

The players get paid based on fulfilling certain obligations, such as playing a certain number of games.

They still get their money, but they have to produce something.

And being a contract, the schools can’t back out of paying if the players fulfill their roles.

——

💡 And if you’re a business owner, you can use this same strategy.

If you have a key employee that you want to pay well, but you also want him/her to perform the duties to a certain level or work a certain amount of time…

…the NQDC plan is meant to help serve both parties in this respect.

—

What do you think?

Is it finally the players’ time to cash in?
Or is structure desperately needed in college athletics?

10/06/2024

Can you be a Christian and be wealthy?

I’ll probably wrestle with this question my entire career.

But let’s go to the source.

📖 Luke 12:16-21

A parable about a man who has stocked up so much money that he says, “alright let’s party until I die.”

But Jesus says that day was his last. Everything he worked for was for naught.

📖 Matthew 19:16-22

A rich man approaches Jesus and asks what he must do for eternal life. The man swears he’s followed all the moral law.

Jesus tells him to sell his possessions and give them to the poor, and the man walks away discouraged.

Was Jesus saying money = bad?

I don’t think so.

Based on context, both men put their trust in money, not God.

They loved the security they found in money more than they loved the God who gave it all to them in the first place.

So if you’re a believer and wondering what to do about money:

1) Work hard (to earn money)
2) Manage your money wisely
3) Give money generously
4) Listen to God when He asks you to change your course in life

All of these are biblical commands.

“Don’t have a lot of money” is not, however, an explicit biblical command.

——

No sales CTA today.

On Sundays, expect to hear more faith & finance content from me. 🙏🏻

Because of my career, I’ve spent a lot of time learning the role that God wants money to play in our lives.

Message me if you want to have a conversation about it. ✌🏻

10/03/2024

I finally got my wife interested in global economics. And it's super sweet/funny how it happened.

I get this text out of the blue this morning:

👩 "Have you heard about this strike on imported goods?"

To which I responded that:

- The USA has been running a $70B trade deficit
- Net exports being positive boosts our GDP
- Temporarily this isn't a bad thing

And she said...

👩 "Well my mom said toys are something that we import and it's about to be Christmas time."

OOPS. I forgot.

Just like with my clients, my wife doesn't care how much I know.

She cares about "how does this affect me personally?"

We both agreed to do our Christmas shopping for our daughter early as a result.

She didn't care about:
- Her 401(k)
- Her brokerage account
- Her money being susceptible to a global economic issue

She DID care about:
- Our 1-year-old girl having a Christmas present.

And we can apply the SAME APPROACH to your personal financial plan.

Do you have headlines you're concerned about?

Let's figure out what's beneath the surface, then put a plan together.

📨 Send me a message to start a conversation!
👤 Visit my profile to learn more.

09/23/2024

"Pleasure's advertising agency is better than its manufacturing department."

WOW.

These were my pastor's words yesterday as we start a new sermon series on stewardship.

(And since my life mission is to help people steward the resources given to them, I was especially tuned in.)

Here's what that statement means:

If you are chasing pleasure with no long-term purpose, you'll find many of your efforts to be futile.

It's like hearing a great pitch from a salesperson then being underwhelmed with the product.

- A Rolls Royce can get your from A to B just like a Honda
- The Ritz-Carlton and Motel 6 both give you a place to lay your head
- A steak from Ruth's Chris vs. Kroger could've come from the same cow

Hear me out... there's nothing wrong with the luxuries ^ on that list.

But if your financial plan is about:
- Attention
- Status
- Power
- Some unresolved insecurities from high school where you feel it your life mission to impress people at your next class reunion...
..you will one day wake up and ask yourself, "why am I doing this?"

I've had the pleasure of writing many financial plans.

The clients who find success the fastest have a strong, LASTING purpose that drives them.

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My messaging inbox is open if you need to feel like what you're doing with money is worth your time & energy.

09/19/2024

Need to just get this off my chest today.

Decreasing inflation doesn’t mean prices are coming down.

It means prices are still rising but slower.

DE-flation means prices are coming down.

If you drive a car forward at 50 mph then slow down to 25 mph, you’re still moving forward.

It’s only when you put the car in reverse that you head a different direction.

And before you say “let’s bring on deflation, I’m sick of these prices,” note this—deflation starts when demand decreases because people aren’t spending money. When people don’t spend money, corporate profits suffer. Low profits for companies drives stock prices down. Not to mention, if companies have less money because people aren’t spending, then they’ll have less money to pay employees, leading to higher unemployment.

Ideal situation is about 2-3% inflation, not significantly higher or less than that.

So yeah, there’s your short crash course in economics.

09/18/2024

Who hates paying taxes? 🙋‍♂️

What if I told you that the right financial strategy could help you retire and pay Uncle Sam as little as possible?

Read my latest blog post to find out how:

Brian David White Century Financial LLC Tyler Shamblin - Wealth Advisor

No one wants to pay more tax than they're required. What if you were taxed at 0% of your income?

08/24/2024

Was the Atari on your birthday wish list as a kid? If so, you may want to read this:

You may have done a fantastic job putting away money in a 401(k) plan, IRA, and brokerage account.

But do you have a plan for:

- Your long-term tax bill
- How much $$ to take out
- Which accounts to draw first
- A long-term healthcare situation
- Transferring money to your loved ones
- What day to start your Social Security income
- How much investment risk is appropriate for you
- Maintaining your peace when the world looks chaotic

Your financial plan may have graduated from:

Step 1: Save money.
Step 2: Pick a fund.
Step 3: Let it rip.

So, where do you stand?

——

Just now realizing that the Atari is almost 47 years old?

Want to make sure you go into retirement with no regrets?

Here’s what you can do:

💬 Send me a message.
💻 Visit our website.

⭐️ My firm and I can help you retire ASAP… and STAY retired.

08/23/2024

Annuity companies don’t want you to play pickleball. Here’s why:
Playing pickleball helps you physically, mentally, and socially—all things that potentially lead to longer life.

So if you’re looking to live a long fulfilling life, consider adding a social sport like tennis or pickleball to your routine.

But don’t expect to make friends with institutions who pay guaranteed lifetime income:

- Annuity companies
- Pension fund managers
- Social Security Administration

They retain more money if you die sooner.

(Think about it… the longer you live, the more in total they have to pay!)

Which means…

❕ If you plan on living a long life, you need to have a plan to pay for your own retirement.

These other institutions are under a lot of pressure to pay income to people who are living longer.

And the longer you live, the less they can afford to guarantee to you.

So play pickleball to live a long life.

And put together a solid personal investment strategy & financial plan to ENJOY your long life.

See you on the courts!

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Want to learn how to find the right balance between guaranteed income & growth potential for your money?

✉ Send me a message
💻 Check out my firm's website

We help people retire as soon as possible, and STAY retired.