Forefront Wealth Planning

06/22/2026

Most people don’t think of themselves as AI investors.

But if you own a 401(k), index fund, or target-date fund, you may have more AI exposure than you realize.

That’s not a reason to panic. It’s a reason to look.

Read this week’s blog:

Most people do not think of themselves as AI investors.­ They think they own a 401(k). Or an index fund. Or a target-date fund. Or "the market."

06/15/2026

The Knicks finally winning was supposed to be pure joy.

And it was.

But the first person I wanted to call was my dad.

This week’s blog is less about sports and more about the moments we’re really working for — the small things that become priceless.

Money matters. Planning matters. But only because it helps create space for the people, memories, and experiences that matter most.

Read it here:

06/08/2026

Waiting for the Fed to make its next move? Your financial plan should not depend on perfect timing.

Our latest blog looks at how today’s rate environment can impact cash, debt, taxes, and investment decisions, and why planning matters more than prediction.

Read more:

While investors are focused on what the Fed might do next, households and business owners are still living with what rates already are.

06/02/2026

Tax return done? Good. Now turn it into a plan.

By the time a return is filed, the year it describes is already over. The decisions that created the result were made months ago. Sometimes years ago.

05/31/2026

Your net worth is NOT your self worth.

We all know people who have everything on paper and feel completely empty. And we know the people who are still building, who have nothing on paper, but walk in with more confidence than anyone in the room.

Money is a tool. Never a scorecard.

Before you make your next financial move, ask yourself who you’re actually making it for…
Because building wealth to impress people who aren’t paying your bills is the most expensive habit you’ll ever have.

Build for yourself. Build for your family. Build for your future.
That’s it.

📩 DM me or visit the link in bio.

05/27/2026

New Jersey has one of the highest minimum wages in the country at $15.92/hour.

And after taxes, rent, and groceries alone — a full-time minimum wage worker in NJ has roughly $216 left over each month.
$216. For utilities. Transportation. Healthcare. Clothing. Any semblance of a life.

We used New Jersey as the example because it’s home — but let’s be clear: this is not a New Jersey problem. This is a nationwide crisis with no state excluded. The numbers change by geography. The math stays broken everywhere.

The federal minimum wage is $7.25/hour. It hasn’t moved since 2009. Meanwhile the average American household spends nearly $73,000 a year just to cover the basics.

That’s no gap…that’s a freakin’ canyon.

And here’s the part that doesn’t get said enough: in order to semi-survive on minimum wage, you have to give 40+ hours of your week to a job that still leaves you in a deficit. There’s no time to take a second job without burning out. No time to take a class, build a skill, or pursue something better.
The system is literally designed to keep you stuck.

We can’t change the minimum wage. Nobody reading this can either. But what we can do is help you understand how to build a budget that actually works at any income level, identify opportunities to create new streams of income, and reclaim some of the time and freedom that feels impossible right now.

The goal isn’t just survival. It’s a life worth living. And that starts with a plan– no matter where you’re starting from.

🔗 Link in bio

05/20/2026

Most financial advisors will tell you to close your Robinhood account and move everything into a broader, more diversified index fund.

And honestly? That advice usually comes from the right place.

But what it misses is that the small account isn’t really a financial strategy. It never was. It’s the social side of money. It’s having something to say when everyone at the table starts talking about stocks. It’s feeling connected to what’s happening in the market. It’s human.

The advisor who tells you to get rid of it entirely is optimizing for your portfolio. What they’re not accounting for is your psychology. And in my experience, unmet emotional needs around money don’t disappear…they just show up somewhere else, usually more expensively.

Keep it small. Keep it completely separate from your real plan. And let it do what it was always there to do.

— Amit Chopra, CFP® · Forefront Wealth Planning
🔗 Links in bio

For educational purposes only. Not personalized financial advice. Advisory services offered through NewEdge Advisors, LLC.

05/17/2026

Fighting about finances is no different than fighting about the color of paint on the walls. At its core it’s about preference, values, and the ability to compromise.

Most marriages don’t fail BECAUSE of money, but because of what the money exposes.

→ Different values. Different upbringings. Different definitions of security, success, and what “enough” even looks like.

Money doesn’t create those differences…it just puts them on the table.

The couples I see thrive financially aren’t necessarily on the same page about everything. But they’ve learned to have the conversation. Openly. Honestly. And before it becomes a crisis.

Talk about money with your partner like it’s just another decision you’re making together…because it is!

📩 DM me or visit the link in bio.

05/11/2026

Imagine leaving $1.24 million on the table? 🥴

This is a tale as old as time…
So many people would rather figure out their financial plan themselves because “how hard could it be?”
AND / OR because they think hiring someone to do it for them is a waste of money.

And if you’re one of these people? I don’t blame you.
Finding someone, and even more importantly TRUSTING someone with your money, is not a light decision. And it CAN cost you if you choose wrong.

But the cost of not finding the right person can prove much worse.
The truth is— unless you have both passion and TRUE expertise in asset allocation, tax-efficient investing, behavioral coaching during downturns, and proactive planning around life events….
Odds are you’re leaving money on the table.

Wealth compounding isn’t magic. But it does require consistent, disciplined, and professional ex*****on.

& FUN FACT:
According to Vanguard’s 2025 survey of over 12,000 investors– advised clients don’t just end up wealthier. They also report more peace of mind and spend significantly less time managing their finances.

The question isn’t whether you can afford an advisor. It’s what it costs you not to have one.

Still want to figure it out on your own?
🔗 Book a free call — link in bio

Data: SmartAsset Lifetime Value of a Financial Advisor Study, January 2025; Vanguard Emotional & Time Value of Advice Survey, July 2025; Vanguard Advisor’s Alpha®, Kinniry et al., 2022.
Projections are illustrative. Not a guarantee of future results. For informational purposes only.

05/08/2026

The market drops and recovers on an endless loop. It always will.
Because it’s the inevitable cycle. But the 24-hour news cycle makes it worse— feeding you risks, rate drama, and AI anxiety on a loop until you do something you’ll regret.

The antidote isn’t ignoring the news but making sure you have enough in a safe bucket — cash, bonds, short-term savings — that the headlines can’t force your hand.