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Financial Planner helping families build wealth & retire with confidence.
🎓 Ramy Hindiyeh PhD | MBA. Stop guessing. Start growing. → quiz.finmentum.com

01/05/2026

For educational purposes only. Not financial, investment, or tax advice.

You don’t have a savings problem. You have a timing problem.

Most people invest what is left over at the end of the month. That is the problem.

Pay yourself first:
1. Invest before anything else
2. Pay your fixed bills next
3. Spend whatever is left

When you invest last, life always finds a way to spend that money for you. When you invest first, it is gone before you can touch it.

Automate it. Set it and forget it.

DM me if you want to know exactly how much to set aside first.

21/04/2026

Educational purposes only. Not advice.

Making over $100K a year and still investing like everyone else? Your playbook needs to level up.

The basics still come first. Max your 401k. Max your Roth IRA. Build your emergency fund. But once those are covered, you have room to think bigger.

A small slice of your portfolio, think 5 to 10 percent, can go toward higher-risk plays like private equity, real estate syndications, or thematic ETFs. The other 90 percent stays in boring, diversified index funds. That is the smart allocation.

Want a high-income strategy built around your goals? Book a free consultation. Link in bio.

15/04/2026

For educational purposes only. Not advice.

Most people use money to buy things. The wealthy use it to buy something different. They buy options. The ability to say no to the job that drains you. The ability to choose who you work with and when you stop.

That is what financial freedom actually means. Not a number in your account. A life you control.

Every dollar you invest is buying back your future. Start before you feel ready.

Ready to build yours? DM me.

12/04/2026

For educational purposes only. Not financial, investment, or tax advice.

When you hit 73 the IRS forces you to take money out of your retirement accounts every year.

Most people think they have to sell their investments. You don’t.

You can do an in-kind transfer, move your shares directly from your IRA to a taxable account. The IRS counts the value as your distribution. Your money stays in the market.

Most retirees sit in cash and miss out on years of compound growth. Don’t be most retirees.

Want a retirement strategy that keeps your money working? DM me.

10/04/2026

Educational purposes only and does not constitute tax or financial advice.

No Here’s the tax bracket nobody talks about.

In 2026, married couples filing jointly with taxable income under ninety eight thousand nine hundred dollars pay zero percent on long term capital gains. At the federal level.

Not fifteen. Zero.

And that limit counts your gains as part of your income. So the math matters.

But a retired couple with modest income could harvest tens of thousands in stock gains and owe nothing to the IRS on those gains. Your state will still take its cut. But the federal piece is zero.

The strategy is income layering. Start with your standard deduction. Add Roth withdrawals. They are tax free and do not push your taxable income up. Layer in Social Security carefully. Keep your total taxable income under the threshold, and your stock gains slide through the federal system at zero percent.

This works in every state. The federal savings are real no matter where you live.

I’m Ramy Hindiyeh, founder of Finmentum. DM me to build an income plan that keeps your federal capital gains rate at zero.

09/04/2026

Most people spend decades asking the wrong retirement question.

They ask: Do I have enough money?

The right question is: What am I retiring to?

Research shows roughly 1 in 3 retirees struggle to find purpose after they stop working. Not broke. Purposeless.

The money is only half of it. The other half is the identity crisis nobody warns you about.

What will you do on Tuesday at 10am? Who will you talk to? What will get you out of bed?

The happiest retirees I work with had a plan for their time before they had a plan for their money. They retired TO something. A project. A community. A second act.

Not just FROM something.

If you are within 10 years of retirement and do not have an answer to that question, DM me.

06/04/2026

Bob invested at the worst possible time. Every. Single. Time.

Dot-com crash. 2008 financial crisis. COVID.

He never sold.

Bob retired a millionaire.

The most important investing skill isn’t intelligence. It isn’t timing. It’s the ability to do nothing when everything tells you to panic.

DM me. Let’s build a strategy you can actually stick with.

03/04/2026

Most people hear “24% tax bracket” and assume the government takes 24% of everything they earn.

That’s not how it works.

The U.S. tax system is progressive. Each bracket only applies to the income within that range, not your total income.

If you’re single earning $150K, your effective rate (what you actually pay) is closer to 18%.

Married filing jointly? The 24% bracket doesn’t even start until $206K.

Your bracket is not your rate. 💡

DM me and I’ll show you your actual number.

31/03/2026

If you or someone you love has been diagnosed with ADHD, PTSD, anxiety, depression, autism, or another life-impeding condition, there is a savings account most people have never heard of that could change their financial future.

It is called a CalABLE account. Here is what makes it different:

- Contributions grow federal and state tax-free in most cases
- Withdrawals for qualified expenses (housing, healthcare, transportation) are tax-free
- Balances up to $100,000 do not count against SSI or Medi-Cal eligibility
- You can contribute up to $19,000 per year
- No California residency required, just a U.S. address

Starting January 1, 2026, eligibility expanded to anyone whose disability began before age 46. Millions of people just became eligible who were not before.

This account takes about 30 minutes to open and could be one of the most important financial decisions for someone with a disability.

For educational purposes only. Not investment or benefits advice. Every situation is different. Consult a qualified advisor or benefits counselor before making financial decisions.

DM me or visit book.finmentum.com to learn more.

27/03/2026

Most parents don’t know this account exists, but it could be one of the most powerful things you do for your child’s future.

$50 a week from birth. Left alone until age 65. That’s potentially $7.8M, built on compound growth over decades.

Here’s how it works:
- Open a UGMA custodial brokerage account in your child’s name
- Invest in a low-cost index fund
- Set up automatic weekly contributions and forget it

No income requirement. No contribution limits. The earlier you start, the more time does the heavy lifting. For educational purposes only. This is not investment advice; every family’s situation is different. DM me or visit book.finmentum.com to discuss what makes sense for you.

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