Archive - Advizmo’s Substack

Be careful selling stocks to time the market. The math proves why this is difficult to do and make money

Capital gains taxes mean the market needs to drop 6-13%+ just for you to break even. And you still need to perfectly time buying back in.

18 hrs ago •

2:27

What To Sell When Rebalancing Your Portfolio: The Tax-Smart Approach

Why selling the wrong positions when rebalancing can cost you thousands in unnecessary taxes and how to avoid these expensive mistakes

Nov 1 •

1:59

October 2025

Worried About a Market Drop? It's Time to Rebalance

How to strategically adjust your portfolio when market concerns arise—without trying to time the market

Oct 30 •

1:55

Year-End Tax Planning Guide To Save $3,000-$10,000 Before December 31st

A comprehensive guide to retirement contributions, tax-loss harvesting, RMDs, and other critical year-end financial moves.

Oct 28 •

0:50

Your First Paycheck Just Hit: Here's Every Account You Need (In Order)

The essential financial foundation for new grads and young professionals.

Oct 27 •

3:47

What to Do Before December 31st | Year-End Financial Planning 2025

Nine tax optimization strategies that could put thousands back in your pocket—but only if you act before 2025 ends

Oct 24 •

4:51

Should You Sell During a Market Dip? Tax Loss Harvesting Explained

Stop trying to time the market. Start optimizing your taxes. Tax loss harvesting can save you thousands while keeping you fully invested.

Oct 23 •

2:25

I'm Worried About the Stock Market. What Should I Do?

Three behaviors when markets feel uncertain (and why panic is your biggest enemy)

Oct 20 •

0:57

Personal Finance TikTokers We Recommend

Looking for personal finance and investing micro-learning on TikTok?

Oct 19 •

Should You Use Credit Cards? A Practical Guide to When They Help (And When They Hurt)

The Golden Rule For Credit Cards. Pay your credit card bill in full and on time. Every single month.

Oct 17 •

2:46

Why You Should Start Investing Today (Even With Just $10)

The stock market has averaged 10%+ returns over the past century. Your checking account? Basically 0%. Here's why waiting to invest is costing you…

Oct 13 •

2:29

Investing for Beginners: Where to Start and What to Buy

A simple guide to taking your first steps in investing—from choosing a platform to picking your first ETF

Oct 9 •

2:57

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