Jon Luskin, CFP®✓

I’m a financial planner specializing in working with do-it-yourself investors. I’ve worked with 441 households since launching my firm. Here’s what many do-it-yourselfers miss 👇

RT @JonLuskin: Keeping costs low is an investor's best bet. Anyone who says otherwise has a high-fee product to sell you. Smart investors stay focused on keeping costs low. #investing Source:

Financial planning is no different from many other businesses; efficiency is important. And that’s why I lean on my Template for Financial Advisors to quickly and easily provide detailed answers to typical client questions. Learn more about my financial planning process, and get your copy of the 2026 Template for Financial Advisors. Link below in the comments. 👇

Insurance is a “Bad Deal” When you buy insurance, you are statistically likely to lose money. You’re either unlikely to file a claim or receive benefits for less than you paid in premiums. Put differently, insurance is not a good deal in a mathematical sense. But that’s not why we buy insurance. We don’t purchase it to come out ahead against the insurance company. Instead, we buy it to guard against risks that could derail our long-term financial plans.

RT @bogleheads: What do Gene Fama, Jack Bogle, and Arnold Schwarzenegger have in common? David Booth shares stories from DFA's early days, the evolution of index and factor investing, and more on the latest Bogleheads® on #Investing podcast. Rick Ferri (@Rick_Ferri) hosts. Listen 👇

Put all your insurance on auto pay. I worked with someone who didn't have auto pay on their disability insurance, and then got disabled. 😭

Financial planners must cover a broad area of topics: -#Investing -#Taxes -Insurance -Social Security -Estate Planning -Cash flow -And so much more! How is one supposed to remember every single possible strategy every time it may apply? By having a cheat sheet! That’s what the Template for Financial Advisors is: almost everything I know about personal finance in a single document. That’s what I check against each household that I work with, making sure that I don’t miss anything. Learn more and get your copy of the template to help you quickly provide detailed answers to common client questions. Link in the comments. ⬇️

RT @bogleheads: What's in your index fund? Rick Ferri (@Rick_Ferri) talks about index fund methodology at the 2025 Bogleheads® conference. Watch the whole session and all sessions from the 2025 conference at the link below 👇

RT @JonLuskin: As a financial planner, I ask the households I work with to send me a lot of information. Sometimes, they do. Sometimes they don’t. Oftentimes, it’s somewhere in between. For example, sometimes I’ll get a pay stub – but not necessarily an employer benefit guidebook. That paystub alone can tell me a lot—especially if I’m missing that employer benefit guidebook.   With a paystub, I can figure out if they're or their employer is paying for:   -cheap disability insurance (where an individual policy should likely be purchased)   -accidental death and dismemberment (generally, a waste of money)  -legal benefit assistance package (sometimes, a great way to get estate planning done cost-effectively)  -child life insurance (also, generally a waste of money)  From there, I can provide guidance on the above.  If you’re looking to learn more about my process, check out the 2025 Financial Planning Template for Advisors – link in the comments 👇

RT @bogleheads: William Bernstein and John Rekenthaler sit down to discuss what really matters for long-term investors—from the Magnificent 7 and diversification to bonds, international stocks, and increasingly complex investment products. Watch the whole session. Link below in the comments 👇

RT @JonLuskin: I put a value on simplicity. For example, my 529 is at Schwab – not because they offer the lowest cost 529. (They don’t.) All my other money is at Schwab. I want as few accounts (logins) as possible. That means paying a few more basis points for added simplicity.

Every financial plan I complete makes the next one a little easier. When a client asks a question that isn't already addressed in my template, I answer it. Then, I save that answer for the future. After hundreds of engagements, I can deliver detailed financial plans in 8–12 hours. Learn about my financial planning process, get access to the whole webinar, and get your own copy of the newly updated 2026 Template for Advisors. Link in the comments. ⬇️

There’s more than one way to put money in an IRA. And, I’ve got all that covered – and more – in the Template for Financial Advisors. Learn about my financial planning process, get access to the whole webinar, and get your own copy of the 2026 Template for Advisors. Link in the comments. ⬇️

RT @JonLuskin: You've got this high-fee, tax-inefficient mutual fund in your taxable account.

“Buy the dip” isn’t a guaranteed strategy. The bottom of the next dip could still be higher than today’s price. That’s why #investing should be based on your goals, not market timing. If you’ve got cash earmarked for long-term growth, waiting on the sidelines usually doesn’t make sense. The odds are in your favor if you invest and let time in the market do the work. #investing

RT @JonLuskin: I don't have any tattoos. But, were I to go get one, I might get: "There's no perfect portfolio. There are plenty of perfectly-fine portfolios." ~Mike Piper, CPA (@michaelrpiper) #investing

Use Autopay, Especially for Insurance With life, we get busy. Nowadays, I couldn’t imagine having to set aside mental bandwidth to remember to pay every bill. For me, I put practically every bill on autopay, including insurance. Moreover, using a bank account for autopay, while it forfeits some credit card point optimization, doesn’t carry the risk of your credit card expiring, subsequently causing a missed insurance payment. Yes, sharing your bank account number carries some risk, with the worst-case scenario being hackers accessing a checking account. That can be inconvenient. Yet, that inconvenience won’t make or break your retirement plan. The opposite is true if you don't pay the right insurance bill on time.