Real Retirement Strategies for High Earners (Investment, Savings & Tax Planning)
Let’s talk about something the financial advisor industry doesn’t want to acknowledge. The “traditional” retirement planning advice—save 10%, buy a diversified index fund, and wait until you’re 65—hasn’t worked for most Americans since the 1990s. It’s a playbook written for a different economic era. If you are a high-income professional, a business owner, or in […]
Financial Independence for High Earners: The Brutally Honest Retire Early Guide
Early retirement isn’t about beach photos and hammock ads. It’s about control. If you want the option to stop working at 45 or 50, you can’t follow “average” retirement planning and hope it magically gets you there. What Early Retirement Really Means Traditional retirement planning assumes you stop working in your mid‑60s, collect Social Security, […]
Why “Average” Isn’t Good Enough: The Real Truth About Active Stock Portfolio Management
If you read the financial news, you’ve heard the same advice a thousand times: “Just buy the index.” The narrative is simple. Markets are efficient, stock picking is a fool’s errand, and you’re better off buying a low-cost ETF that tracks the S&P 500 and forgetting about it. For the average investor with a modest […]
Growth Stock Strategies for Early Retirement Planning
Let’s be honest about the standard advice for early retirement. If you read enough blogs or listen to enough podcasts, you’ll hear the same script over and over: “Buy dividend aristocrats, stack cash, and play it safe.” On the surface, it sounds responsible. It sounds prudent. But if you’re a growth-oriented investor trying to retire […]
Is Your Financial Advisor Setting You Up for Mediocrity?
I’m a Certified Financial Planner and founder of an investment advisor firm managing millions in client assets. How do I manage our client’s portfolios? It’s the opposite of what most financial advisors preach. Here’s the uncomfortable truth: conventional investing advice isn’t designed to maximize your wealth. It’s designed to protect advisors and collect fees. That […]
The $4M Mistake Most Tech Professionals Make
A few years ago, a Senior Engineer at a big tech company came to me with a problem. He was 42, earning $380K annually, and had accumulated $1.2M across various accounts. His goal? Retire by 52 with enough to maintain his lifestyle. What he really wanted was to travel with his wife in his 50s, […]
What Every Pre-Retiree Needs to Know About Investing Today
The investment landscape has shifted dramatically over the past few years. For decades, passive investing dominated financial advice—buy index funds, hold forever, and trust the market to deliver returns. But as we move through 2025, pre-retirees face a different and changing environment. If you’re within ten to fifteen years of retirement, the investing style you […]
Five Portfolio Mistakes That Can Derail Your Retirement Timeline
Planning to retire early? Join the club. But here’s the thing—wanting early retirement and achieving it are two different things. The gap between goals and reality often comes down to some key portfolio mistakes that could push your retirement date back by years. At Paraiba Wealth, we specialize in working with pre-retirees. Here are five […]
How to Build a High-Conviction Growth Portfolio in the AI-Powered Era
In an investment landscape dominated by artificial intelligence, the question isn’t whether to embrace concentrated, high-conviction strategies—it’s how to do so intelligently. If you’re managing your own portfolio or working with an RIA that builds individual stock portfolios, understanding high-conviction growth investing has never mattered more. What High-Conviction Investing Means High-conviction investing means concentrating capital […]
Real Companies or Stock Baskets? Here’s What Every Investor Should Know
Imagine walking through a farmer’s market. You see bins brimming with fresh apples, oranges, and berries—each fruit clearly labeled and priced. Now picture a “mystery basket” of mixed fruit where you aren’t exactly sure what’s inside or how fresh it is. Which feels more appealing? That “fruit vs. basket” scenario shows us an important lesson […]