David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile
David Spence, CPA, CFP, CLU, PFS

@palladiumdave

Tax Planning Services Coach. Investment Advice through Palladium Wealth Management, LLC, RIA. Securities offered through PKS Investments, Member SIPC, FINRA

ID: 1355101675

linkhttp://www.PalladiumWealthManagement.com calendar_today15-04-2013 19:05:10

4,4K Tweet

633 Followers

1,1K Following

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Are you on course to living a peaceful and tax-free retirement? Learn how to win with taxes and keep more of your money. Stop worrying and start knowing. 🌎 taxfreetutors.com #taxfreetutors #money #debtfreecommunity #retirementgoals #taxfree

Are you on course to living a peaceful and tax-free retirement?

Learn how to win with taxes and keep more of your money.

Stop worrying and start knowing.

🌎 taxfreetutors.com

#taxfreetutors #money #debtfreecommunity #retirementgoals #taxfree
David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Tax Free Tutors provides concise, valuable money management lessons with the intent to assist “students” in understanding a major threat to their financial well-being in the future. 🌎 taxfreetutors.com #taxfreetutors #rothira #taxhelp #taxes

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

“The only difference between death and taxes is that death doesn’t get worse every time Congress meets.” – Will Rogers. 🌎 taxfreetutors.com #taxfreetutors #personalfinance #retirementgoals #retirementtaxfree #retiringgoals

“The only difference between death and taxes is that death doesn’t get worse every time Congress meets.”
  – Will Rogers.

🌎 taxfreetutors.com

#taxfreetutors #personalfinance #retirementgoals #retirementtaxfree #retiringgoals
David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Don't know where to start? Here is how to open an IRA. Get your free video courses now and learn how to earn your tax-free degree in under 2 hours’ time. 🌎 taxfreetutors.com #taxfreetutors #rich #investment #money #investforretirement

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Want to earn your tax-free degree in under 2 hours? Don’t just dream about it! Start here, on your way to a better future. 🌎 taxfreetutors.com #taxfreetutors #debtfreecommunity #debtfree #taxhelp

Want to earn your tax-free degree in under 2 hours?

Don’t just dream about it!

Start here, on your way to a better future.

🌎 taxfreetutors.com

#taxfreetutors #debtfreecommunity #debtfree #taxhelp
David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Tax Free Tutors is a network of highly qualified, carefully vetted financial advisors dedicated to educating the general public and other financial professionals on the inevitable tax consequences 🌎 taxfreetutors.com #taxfreetutors #retiringgoals #income

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

How to retire tax-free? Watch our FREE 5-minute video courses and learn how to put your retirement on autopilot. Say goodbye to stress and anxiety in your retirement. 🌎 taxfreetutors.com #taxfreetutors #financialfreedom #investforretirement #retirementgoals

How to retire tax-free? Watch our FREE 5-minute video courses and learn how to put your retirement on autopilot.

Say goodbye to stress and anxiety in your retirement.

🌎 taxfreetutors.com

#taxfreetutors #financialfreedom #investforretirement #retirementgoals
David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Just 1 of the 7 tax-free Retirement Sources explained in our tax-free tutors courses, all at no cost to you. The smart way to save for retirement. 🌎 taxfreetutors.com #taxfreetutors #financialfreedom #retirementgoals #personalfinance

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

“In this world, nothing can be said to be certain, except death and taxes.” – Benjamin Franklin 🌎 taxfreetutors.com #taxfreetutors #retirementincome #taxes #financialgoals #retire

“In this world, nothing can be said to be certain, except death and taxes.”
 – Benjamin Franklin 

🌎 taxfreetutors.com

#taxfreetutors #retirementincome #taxes #financialgoals #retire
David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

This is ZEP-PARDY!  Answer: This SONG by this ARTIST gave us: " I don't know what to do and I'm always in the dark We're living in a powder keg and giving off sparks I really need you tonight." Question: "What is ____________ by ____________?"

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

I think they know both, Mike. But they also know they are handcuffed - if Congress won't do their job and cut spending and/or raise taxes. It's gonna hurt badly when there's no other option than doubling our taxes. Prepare now!!! lnkd.in/e4phVtps

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Tax prep vs. tax planning. Maybe his/her question was an opportunity to add value/expand the relationship. Explain that $5K is a big refund - maybe too big - and his friends are perhaps being even more wasteful. And why not use the refund to pay for a R…lnkd.in/gPCCNxEJ

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Before the memory of Tax Day fades away, are you going to do any real TAX PLANNING for next year? Not like changing your tax withholdings or estimated payments. I mean using today’s low rates to use ROTH IRAs and 6 other tax free income sources to outsm…lnkd.in/eg8J92qT

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Tax Time Fun Fact: If you take your current income, and adjust it for inflation, in ANY year from 1945 to 1985, your income taxes would be between 130% to 200% of what you are paying right now. Fun, right?! It’s a bit confusing, but trust me…lnkd.in/eWdZCK-G

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Ric Edelman has a great, short daily podcast that I follow. In today's 8-minute commentary (1st 5 minutes of it really), he explains what's going on with Social Security and that it means tax rates will "inevitable have to be incre…lnkd.in/eD2K55JX lnkd.in/ePtmHSvb

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

"It is time to recognize reality. America is a great nation, but it is in decline. We can and must reverse this trend . . . and hopefully, not in a crisis-management fashion due to a loss of confidence in U.S. fiscal and monetary policy . . . accompanied…lnkd.in/eJ9EuyfS

David Spence, CPA, CFP, CLU, PFS (@palladiumdave) 's Twitter Profile Photo

Register for the May 14, 2025 webinar at Noon EST to explore how Life Insurance Retirement Plans (LIRPs) can help you provide advanced tax planning solutions for your clients while growing your advisory business. us06web.zoom.us/meeting/regist…