Innovative. Tactical. Personal. Risk Alert.
Money Management
Financial Planning
Retirement Income Planning
To Retirement & Beyond :)
Fiduciaries, so our interests are aligned.
Transparent Fees, tiered, not blended.
Independent & Honest, not wall street'ers.
Financial Planning using statistics, not a napkin.
Portfolio Audit, get a 2nd opinion.
Innovative, not stale & outdated.
Tactical Abilities to help weather storms.
Very Personal, not a big impersonal firm w/ high turnover.
Risk Alert, offering some strategies w/ downside protection.
How different are we really?
Is Traditional Investing Stressing You Out?
Losing sleep over inflation?
Worrying About Running Out of Money?
Uncertain If You'll Outlive Your Life Savings?
We do life with our clients.
For Life.
To Retirement & Beyond :)
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Feel Better
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Spend more time smiling
Types of People We Can Help
Let's see if you're a good potential fit...
⚠️ IF YOU THINK YOU'RE A GOOD FIT, CLICK BELOW! ⚠️
HOW WE MAY CHANGE YOUR LIFE IN
IN JUST 1 MEETING
Meetings via Zoom in the comfort of your own home
So How Can ATX Financial Planning Help Me?
Money Management
Financial Planning
Retirement Income Planning
Estate Planning
IRA Planning
Legacy Planning
Insurance Planning
Educational Planning
Is your current advisor:
Innovative
Tactical
Very Personal
Risk Alert
Flip The Script
Time To Think
Innovative
Financial Planning
Online Access
Statistical Analysis
Financial Road Map
Social Security Optimization
Budgeting
Account Aggregation
Estate Planning
Stop wasting time with financial spreadsheets!
Instead, let aggregation software do the work for you...
Use this account aggregation software to track what you own, what you owe, how much you're worth and how much you spend.
Simplify your life with this net worth statement tool, viewable as an app on your phone.
Learning Section
Decide Where To Live In Retirement
Assess Your Cash Flow
Social Security Retirement Benefits
Win More By Losing Less
Withdrawal Rates
Medicare for retirees
Social Security Quick Reference
Sequence of Returns
Dollar Cost "Ravaging"
Interest rates drive bond returns
Student of the Market Jan 2024
Fees:
⚠️ GET A FEE ANALYSIS NOW! ⚠️
ADDITIONAL ARTICLES, HEADLINES & LINKS
Beyond the 4% Rule:
Financial Planning Software
Start your financial planning journey using our complimentary software.
Kiplinger
In the 10 years ending 2023, 10 year Treasury bonds had an annual return of just 1.5%
How presidential elections affect the stock market
⚠️ BOOK A CUSTOMIZED DISCOVERY CALL TODAY! ⚠️
Our Team
Mike Massey -- Financial Advisor & Managing Director
Dallan Maas -- Financial Advisor
Angela Nguyen -- Client Service Manager
Yes, most people do. But when is the last time you had a 2nd opinion? Do you know exactly how much you're paying in fees? Are they using any tactical funds, and how have they done for you? Are they using any strategies that offer calculated downside protection? How much international exposure do they have relative to technology exposure, for example?
Me neither. But, as I've aged and become wiser, I have learned one crazy valuable lesson: cost is only important in the absence of value. If two things have identical valule, then choose the cheaper one probably. But if two things have different value, then cost is only one consideration. If you're a DIY investor, do you have complete confidence and the tools at your findertips to: run statiscial analysis on the probabiliy of success and failure in retirement; compare funds tax efficiency ratios, historical drawdowns and sequence of returns risk; analyze various tactical investment strategies?
Understood. But just because that was the advisor that your dad chose, do you have 100% confidence that it's the best advisor for you? Why would you not at least get a 2nd opinion to evaluate fees, strategy, innovative thinking, risk strategies and more?
How much time did you spend planning your most recent vacation? 5 hours, 10 hours, 15 hours? We've seen stats that people spend 20-30 hours planning a vacation! So don't you think you can spare an hour to discuss something far more important than a 10 day vacation?
Perhaps, but you'll have a hard time eliminating one of the greatest enemies of investors. EMOTIONS! Emotions are one of the greatest enemies of investors, and I would argue enemy number one. Emotions cause people to get blinded by their greed, or by their fear. Having a coach can really help with those emotions. Did you know that the top golfers have private coaches, the top entrepreneurs have coahces, and the highest paid CEO's in the world have coaches? Why do they have coaches? Because they're willing to make an investment to have a coach to help guide them and help with priorities, goals and yes...poor emotions inclinations or responses.
Do you have 100% confidence level that you're current strategy cannot fail? How much of your portfolio is in funds that can move completely to cash? How much of your portfolio has downside protection built into the ETF itself? What's the statistical probably, meaning the percentage chance of failure based on your current financial plan?
Very well. This isn't a beauty contest :)
Social Security Optimization
Don't Wait Any Longer!
Book and attend a meeting with us, and after our meeting we will create a SOCIAL SECURITY OPTIMIZATION REPORT for you at no charge.
We think you will find this to be extremely valuable becuase it's unique and specific to your situation, rather than some generic one-size-fits-all article.
⚠️ I NEED A CUSTOMIZED SOCIAL SECURITY OPTIMIZATION REPORT ⚠️
Get a Second Opinion.
We can review your current portfolio!
If you have a meeting with us, then we can create the following for you, at no charge:
Contact Us
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Copyright © 2024 | ATX Financial Planning LLC Privacy Policy
Advisory services are offered through ATX Financial Planning LLC, an Investment Advisor in the State of Texas. Insurance products and services are offered through Legalorian LLC dba The Portfolio Protection Store, an affiliated entity. ATX Financial Planning LLC and The Portfolio Protection Store are not affiliated with or endorsed by the Social Security Administration or any other government agency. Whenever you invest, you are at risk of loss of principal as the market fluctuates. Past performance is not indicative of future results. Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.
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When you follow a link to one of these sites neither ATX Financial Planning LLC, nor any agency, officer, or employee of the ATX Financial Planning LLCwarrants the accuracy, reliability or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk.
Sources A1 re Inflation: Source for 3.8%: Development of inflation rates in the United StatesSource A1 re Inflation: https://www.worlddata.info/america/usa/inflation-rates.php. Inflation source for 7.05%: Inflation and CPI Consumer Price Index 1970-1979, https://inflationdata.com/articles/inflation-cpi-consumer-price-index-1970-1979/ . Inflation Source for 8.5%: Development of inflation rates in the United States, https://www.worlddata.info/america/usa/inflation-rates.php
Source A3 in Disclaimer: Probability of 65-year-olds surviving to select ages. Source: The Insured Retirement Institute, Fact Book, 2020.
Source A4: Returns & Drawdown Source: Volatility Opportunity Guide, Significant Intra-Year Drawdowns Are Common, https://www.calamos.com/insights/volatility-opportunity-guide/significant-intra-year-drawdowns-are-common/#:~:text=A%20drawdown%20is%20the%20peak,not%20available%20for%20direct%20investment. Bond drawdown source: Morningstar.com YTD performance as of 10-24-22 for the AGG ETF (iShares Core US Aggregate Bond ETF) and the TLT ETF (iShares 20+ Year Treasury Bond ETF).
* Value: Social Security Analysis Optimization Report added $140,000 in additional lifetime income per household in 2020 (https://www.lifeyield.com/lifeyield-social-security-pricing/); Mike Massey doesn't bill hourly with this business, but in another business he typically chages $500 or $600 when he bills hourly; Portfolio Vizualizer is a software that we use for quantifying historical drawdown risk of variuos allocations and this software is often purchased for $468 annualized by financial professionals.