In this final episode of our Modular Financial Planning series, we’ll explore “portfolio optimizers”—strategies that add a bit of extra return potential to a well-diversified portfolio. These steps, like managing taxes, flexible trading, and securities lending, can enhance outcomes but aren’t essential if you’ve followed our previous nine steps. If you’re already saving, investing, and rebalancing consistently, you’ve done enough. For those seeking a little boost, these optimizers may be worth exploring with your advisor.

In this episode:
(00:00) - Intro
(01:09) - Portfolio optimizers
(03:54) - Reducing expenses
(05:00) - Tax management
(07:48) - Investment factors
(12:53) - Securities lending
(14:18) - Flexible trading
(16:04) - Conclusion and next steps

Get full show notes and links at https://mindful.money.

ABOUT MINDFUL MONEY:
Do you struggle with money? You’re not alone.

Money is a means, not an end. It’s a necessity of life for sure, but more money does not always guarantee a “good life”. Money enables many aspects of modern life, but as a dominant consideration, it becomes destructive.

The paradox is that more time and energy spent on personal finance does NOT create better outcomes. Unlike many other parts of life, we can’t create better outcomes by being smarter, spending more time, or putting in more effort.

Join Mindful Money author and experienced 40-year investor Jonathan DeYoe as he shares stories from artists, authors, entrepreneurs, and other advisors about how they mindfully minimize their need to think about money and get more out of life.

If you aren’t happy with your finances, feel like money takes more time than it should, or want to place your financial decisions into the broader context of your life, this show is for you.

Each episode will draw the line between the “enough” activities that the academics tell us are additive to family outcomes, and those “little bit more” efforts that take time and sap energy but do NOT improve outcomes.

MINDFUL MONEY RESOURCES:
Website: https://mindful.money
Jonathan DeYoe on LinkedIn: https://www.linkedin.com/in/jonathandeyoe
Mindful Money on X / Twitter: https://x.com/MindfulMoney_Ed
Mindful Money on Facebook: https://www.facebook.com/MindfulMoneyPlan
Mindful Money on Instagram: https://www.instagram.com/mindfulmoneyplan
Mindful Money on YouTube: https://www.youtube.com/@MindfulMoney

🎙️Podcast Production by Turncast: https://turncast.com.