Golden Road Advisors

05/01/2026

A founder sold the first tranche of his business last year. Two more tranches are coming, and roughly $5.5M of capital gains with them. Most of the work to soften that bill should already be happening. In his current portfolio, almost none of it is. Full piece in the comments.

04/20/2026

If you're earning $150K+ and still "researching" your student loan repayment options — this is for you.

The landscape shifted dramatically in 2025. SAVE is gone. PAYE is being phased out. ⏳ New deadlines are locking in (and locking out) decisions for decades.

The time for analysis paralysis has passed. You need a strategy now.

👇 In the post below, we explain why.

Student loan repayment plan changes have made crafting a strategy essential for everyone, but the math differs for high earners. Learn why.

04/15/2026

Imagine this: Two people. Same income. Same Tuesday. Same memo from a PE firm, telling them their role was going away.

One had choices. One didn't. Why?

The difference wasn't discipline or ambition. It was what each of them had built alongside their careers - years before they needed it.

We wrote about it. 👇

It's hard to focus on contingency plans when things are going well. But here's why all high earners need a financial exit strategy.

11/26/2025

Is third grade too early to learn about smart money management? What about fifth grade? 📚

Last week, I had the chance to find out while participating in the Great American Teach-In at Grady Elementary School (a public school in the Tampa Bay Area’s Hillsborough County).

In each class, I presented the kids with the following challenge:

“Your team has $200 saved up - from birthdays, holidays, and chores. I'm going to show you things you could buy. Your team decides: BUY or PASS. Your tracker writes down what you buy and subtracts it from the $200.

But here's the catch. At the end, something will break, and you'll need money. Let's see which team is ready!"

Then I called out a list of items the kids could buy, with prices - some necessities, some playthings, and some name-brand items that “everyone” had. 🛍️

When the shopping spree was over, I told the kids they needed $50 for an emergency. Those who had enough left to afford it survived; those who couldn’t did not.

That led to a lively discussion about spending decisions, where I coached the kids to ask themselves these three questions before buying anything:

💰Do I actually need or want this, or do I just want what everyone else has?
💰Is the expensive version really better, or am I paying for a brand name?
💰Will I still be happy I bought this in a month?

Believe it or not, this is the kind of conversation I have every day with families seeking financial guidance. Those who spend money to impress others are rarely happier for it. Instead, they ALWAYS stress about money. Those who buy what they actually need and want, without worrying what others think, typically have enough saved for emergencies and the fun stuff they really care about.

It is NEVER too early to learn this lesson, especially as we head into the holiday season!

08/29/2025

When your financial decisions are rooted in purpose—whether it's family, legacy, or impact—the strategy becomes clear. It’s not just about growing wealth… it’s about knowing what you’re growing it for.

Let's work together to create a plan that will embrace life's transitions and help give you the financial confidence to keep moving forward.

08/28/2025

“What should I be focusing on five years before retirement?”

It’s a question we’ve been hearing a lot lately - and for good reason.

This phase isn’t just about counting down the years. It’s about fine-tuning the details to help ensure you’re ready for what’s next.

Here's what we've been walking our clients through in recent conversations.

08/25/2025

08/22/2025

A balanced perspective is what connects all three parts of your strategy.

Your comfort zone, your exposure to risk, and your long-term strategy should all work together. That’s how informed decisions are made.

Need help understanding your options? Let's have a conversation.

08/20/2025

Scams are getting more sophisticated and even the most financially savvy can be targeted.

We’ve seen clients approached by schemes that seem legitimate but are designed to manipulate emotions and create urgency.

If something feels off, pause and verify. A second opinion can make all the difference. When in doubt, reach out. We are here to be a resource.

08/18/2025

Wealth is more than what you leave behind, it’s how you prepare the next generation to carry it forward.

From trust structures to open conversations, the goal is simple. Guide, don’t just give.

Need help? Reach out today for guidance.