CCybulski, CFP® @cybulski_c

Former journalist current Financial Planner and CFP® helping business owners and equity compensated folks who need a plan, process, and partner. chisholmtrailfinancial.com Joined July 2023

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CCybulski, CFP® @cybulski_c

4 weeks ago

Check out my latest video on how inherited IRAs can become a headache! youtu.be/NijJIGXlNw8?si… via @YouTube

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CCybulski, CFP® @cybulski_c

a month ago

So much or retirement can't be quantified. Check out my latest video on the Intangibles of Retirement Planning youtu.be/MEuScEcwMeM?si… via @YouTube

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CCybulski, CFP® @cybulski_c

2 months ago

You have to understand HOW each Account Type works if you want to avoid some major mistakes. Check out my latest video. youtu.be/9jHFN6Tey9U?si… via @YouTube

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CCybulski, CFP® @cybulski_c

2 months ago

Where are so many people going wrong with their Roth conversions? Watch my latest video. youtu.be/i585jW2zvCk?si…

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CCybulski, CFP® @cybulski_c

2 months ago

I just started a YouTube channel. Would appreciate you all checking it out! youtu.be/3D9xZ9NmHFI?si…

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CCybulski, CFP® @cybulski_c

9 months ago

Admin tried to set a 1st appointment for Friday at 3pm in the office. I said it’s not happening. Zero chance they show and made it virtual. Was I vindicated?

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CCybulski, CFP® @cybulski_c

10 months ago

Wife is seeing all this A&M midnight yell garbage and asks, “what’s the 12th man?” I told her it’s the crowd. She’s been laughing for the last two minutes.

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CCybulski, CFP® @cybulski_c

10 months ago

Happy thanksgiving to all you bums out there who don’t get to throw dirt into a ditch today.

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A college education is more about showing you can work. It shows dedication, focus, Perserverance etc. You don't need to go to an Ivy league school; however, there are many careers where prestige matters.

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CCybulski, CFP® @cybulski_c

11 months ago

"Top 5 reasons people hire me: 1) you do not want to do it yourself anymore 2) Life has changed and things are more complicated 3) You don't have time 4) Anxiety over investments or where you are in life 5) Need to bring a spouse up to speed."

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CCybulski, CFP® @cybulski_c

11 months ago

When I became a financial advisor I was told to sell products. "Ask for the sale!" is what was drilled into my head. The industry is very different now. People want comprehensive planning service -Investment mgmt -Tax strategies -debt mgmt -Risk mgmt

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CCybulski, CFP® @cybulski_c

11 months ago

It’s days like today why you stick with twitter.

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CCybulski, CFP® @cybulski_c

11 months ago

People often forget that your contributions to a Roth IRA can be withdrawn at any time. You paid taxes on this already. It's the growth that cannot be withdrawn penalty-free until 59.5.

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CCybulski, CFP® @cybulski_c

11 months ago

Money market funds may be the feel-good story of the year, but they come with a cost. The real rate of return is your after tax and inflation-adjusted return. Remember, these interest rates fluctuate over time too.

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CCybulski, CFP® @cybulski_c

11 months ago

When the market gets rough, rerun to your retirement plan numbers. Does a down market blow it up or are you fine?

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CCybulski, CFP® @cybulski_c

11 months ago

What I've found with most retiring boomers is that they will continue working if they can become "lifestyle" workers. People who travel, spend time with family, have hobbies…and also have a job. It's something few in that generation have had.

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CCybulski, CFP® @cybulski_c

11 months ago

Don’t overcomplicate investing.

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CCybulski, CFP® @cybulski_c

11 months ago

"Disciplined spending, focused saving, and diligent money management" are the traits most millionaires share according to "the Millionaire next door."