Julius Wealth Advisors, LLC

Today, Julius Wealth Advisors turns 5. Before JWA, I’d had success at large firms and small firms. I loved investing and personal finance. Yet I still felt empty. I couldn’t fully shape how people were served or address the gaps I kept seeing. Too much chest-puffing about investment performance. Too little education. People asking what their money meant for their lives and getting answers about their portfolios. I wanted families to understand their decisions and have advice that connected their investments to the rest of their lives. Eventually, I had to stop getting frustrated and do something about it. On October 1, 2021, I started JWA. I named it after my grandfather Julius, who stepped in when my family needed him most and introduced me to investing when I was 10. Integrity. Knowledge. Passion. His foundation then, the firm’s foundation now. To our earliest clients: thank you for giving JWA a chance. When you referred friends and family, you put your own name behind mine. That means a lot. To all our clients: thank you for your questions, conversations, and trust. Helping your families work through important decisions is why I started. To my wife and kids: long before I had a family, I wanted to build something for the family I hoped to have. You made that motivation real. Thank you for your love, patience, and support. I love you. The next five years? Build our team. Serve more families. Reach more people through The Big Bo Show: Wealth Building for High Earners. Keep our clients feeling known and cared for as we grow. If you’re sitting on something you want to start, I get it. I’ve long known life is hard. But the harder path can be worthwhile when you passionately believe in what’s on the other side. You don’t need the next five years figured out. Take the first step. I’m glad I gave JWA that chance. And I’m grateful to everyone who did as well. Here’s to the next five years and beyond! By Choice, Not Chance.

Today, Julius Wealth Advisors turns 5. Before JWA, I’d had success at large firms and small firms. I loved investing and personal finance. Yet I still felt empty. I couldn’t fully shape how people were served or address the gaps I kept seeing. Too much chest-puffing about investment performance. Too little education. People asking what their money meant for their lives and getting answers about their portfolios. I wanted families to understand their decisions and have advice that connected their investments to the rest of their lives. Eventually, I had to stop getting frustrated and do something about it. On October 1, 2021, I started JWA. I named it after my grandfather Julius, who stepped in when my family needed him most and introduced me to investing when I was 10. Integrity. Knowledge. Passion. His foundation then, the firm’s foundation now. To our earliest clients: thank you for giving JWA a chance. When you referred friends and family, you put your own name behind mine. That means a lot. To all our clients: thank you for your questions, conversations, and trust. Helping your families work through important decisions is why I started. To my wife and kids: long before I had a family, I wanted to build something for the family I hoped to have. You made that motivation real. Thank you for your love, patience, and support. I love you. The next five years? Build our team. Serve more families. Reach more people through The Big Bo Show: Wealth Building for High Earners. Keep our clients feeling known and cared for as we grow. If you’re sitting on something you want to start, I get it. I’ve long known life is hard. But the harder path can be worthwhile when you passionately believe in what’s on the other side. You don’t need the next five years figured out. Take the first step. I’m glad I gave JWA that chance. And I’m grateful to everyone who did as well. Here’s to the next five years and beyond! By Choice, Not Chance.

Two high earning families look like opposites. Family one earns a tremendous income and treats it as permanent. The bonus is spent before it lands. Their plan is, we make a lot, we will figure it out. Family two has built real strength, but every meaningful purchase triggers an alarm, even when the numbers say otherwise. One confuses income with capacity. The other confuses fear with discipline. They look like opposites. They are often making the same mistake. Neither can connect today's choices to tomorrow's outcome. They are flying blind. When the plan does not answer the question, the loudest emotion in the room often does. A plan helps close that gap. Not by telling you to spend, but by showing you the consequences clearly enough that you can choose. Watch the full episode: https://lnkd.in/gP-dYKEm By Choice, Not Chance.

Take a family earning $500,000, weighing a $20,000 trip. If taxes are covered, reserves are strong, savings are on track and the money was set aside for it, the trip can barely move the plan. If it means credit card debt, skipping estimated taxes or spending a bonus that has not landed, that is a different decision. Same income. Same trip. Completely different answer. “Can we afford it,” is not often a salary question. It is a planning question. Watch more: https://lnkd.in/gP-dYKEm By Choice, Not Chance.

The Drift Check Here is something that happens often to high earner: You set a plan. You start strong. And then life gets busy. Six months later, you realize you drifted. The savings slowed down. The budget disappeared. The "temporary" spending became permanent. That is not failure. That is just life without a system. The fix is simple: regular drift checks. Once a month, ask yourself: Am I still on track? Did anything change that I need to adjust for? What is one thing I can course-correct this week? You do not need perfection. You need awareness. ▶︎ If your financial life has drifted and you want help getting back on track: https://lnkd.in/e6JdNvyj

The Q4 Question We are entering the final quarter of the year. Here is the question worth asking: If you keep doing what you have been doing, will you be happy with where you end up in December? If the answer is yes, keep going. If the answer is no, you have three months to change the trajectory. Q4 is not too late. It is actually the perfect time to max out retirement contributions, review your tax situation before year-end, and finally have the financial conversation you have been avoiding. Do not let the year slip away. Make Q4 count. ▶︎ If you want help finishing the year strong: https://lnkd.in/eZ9YVh7r

Every family's financial plan runs on two clocks. The financial clock measures the cost of spending. The life clock measures the cost of waiting. Many high earners, and many plans, are much better at measuring the first. But at a certain point, the scarce asset in your family may not be money. It may be synchronized time. The window when your calendar, your kids' ages, your parents' health and your own energy all line up. Later is not neutral. Waiting has a cost too. It just never shows up on a statement. Ignore the financial clock and today's experience becomes tomorrow's stress. Ignore the life clock and you protect every dollar while the moments disappear. That is how you can lose either way. Watch the full episode here: https://lnkd.in/gP-dYKEm By Choice, Not Chance.

You may know what your portfolio needs to be worth at retirement. Here is a number no plan can calculate. How many more summers will your kids say yes to nine ballparks in twelve days? This summer, mine did. At the last stop, both of them were on the stadium video board in matching Buc-ee's onesies. Laughing. Loving it. That is what I believe money is for. You can save money for later. You cannot save a summer. Watch the full podcast here: https://lnkd.in/gP-dYKEm Watch more: https://lnkd.in/gP-dYKEm By Choice, Not Chance.

You may know what your portfolio needs to be worth at retirement. Here is a number no plan can calculate. How many more summers will your kids say yes to nine ballparks in twelve days? This summer, mine did. At the last stop, both of them were on the stadium video board in matching Buc-ee's onesies. Laughing. Loving it. That is what I believe money is for. You can save money for later. You cannot save a summer. Watch more: https://lnkd.in/gP-dYKEm By Choice, Not Chance.

The Safety Illusion A lot of high earners think they are being "safe" by: ▶︎ Keeping too much in cash ▶︎ Avoiding the stock market entirely ▶︎ Never looking at the accounts ▶︎ Waiting for the "right time" to invest That is not safety. That is avoidance dressed up as caution. Real safety comes from knowing what you own and why, having a plan for volatility before it happens, and building a system that does not depend on perfect timing. Playing it safe often means falling behind slowly. And calling it responsible. ▶︎ If you want to talk through what real financial safety looks like: https://lnkd.in/e6JdNvyj