Natalia Ivanova, Financial Advisor, Founder and CEO at NewGen Wealth

This past weekend, I celebrated my bachelorette with amazing people I love dearly. This post is less about finance and more about values.

As an immigrant who arrived with $500 and built a fulfilling life through hard work and investment, here’s my unfiltered advice:

Money without experiences and wonderful people in your life has little value.

To have truly remarkable experiences, you need money.

Dream big. I had, and still have, visions of various milestones in my life and planned for them—financially planned, that is. An immigrant starting with $500 had to plan carefully to turn dreams into reality.

You can dislike wealthy people all you want; having worked in finance, I’ve seen it all and know that resentment will get you nowhere. Instead, learn from and interact with intelligent people, and build genuine connections and friendships. After all, being alone isn’t enjoyable.

To me, financial planning is about building a fulfilling life, not just investing and budgeting. If you feel you need guidance, consider scheduling a free consultation. Remember, you’re not alone, and sometimes we all need a little help and support.

is a registered
investment advisory firm. I help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

I have been actively saving towards my bachelorette this past year.

My goal is to have the best experience in some most popular and iconic places in Ibiza, SPAIN with closest friends.

This could “cost” my net worth ~$200,000+ by the time I am 65 if I invested the money instead.

But this experience will more than pay for itself in memory dividends.

As Dan Haylett said at - having too high of a net worth will result in a retirement of missed opportunities & regrets.

Don’t wait until “retirement” to truly experience your life.

You may have a lower net worth in the future, but you’ll have a happier life.

At I first help you define why money is important to you and create a unique, inspiring money vision for your family.

From there, we guide your tactical & strategic financial decisions so you move closer to your ideal life, while also making sure you enjoy the ride.

is a registered
investment advisory firm. I help professionals and entrepreneurs to build their wealth foundation.

Nobody can predict where you will be in 30 years. Live in the moment and plan for options in the future so you can easily pivot as life and priorities change. Embrace every opportunity to grow and adapt, and remember that every challenge you face is a stepping stone to your future success.

Here is the optionality I was able to build over the past 10 years: When I got my job at Morgan Stanley, I was determined to be the best, to know the most, and to dive deeper than any other client service associate. When I started looking to move to New York and sought job opportunities, getting interviews was not a problem. However, the minute they heard my accent, which was thicker then and became more pronounced as I grew nervous, there were no follow-ups.

But I created options for myself. I reached out to one of these hiring managers who hadn’t responded but had said they liked me. I told them I would be in NYC for an interview and asked if they had time for me to stop by. She gladly agreed! At that point, I lied 🤥 I had no other interviews lined up just yet.

Then I called three other managers, telling the truth, that I have an interview and each one said yes stop by. A week later, I had four job offers.

I created options for myself out of thin air. I knew I had so much to offer, and I also knew that they were hesitant to hire a foreigner. Just like that, I became part of one of the team who are one of the largest producers in NYC.

The same principle applies to your financial plan, with one key difference: you can’t imagine numbers to make more numbers. However, you can build a tax strategy to avoid paying thousands, and invest intentionally so that you not only grow your portfolio but can also take advantage of future opportunities. Just as I did when I left Morgan Stanley and started my own wealth management firm. My first year, I was okay, largely because of my portfolio. By creating that portfolio 8 years ago, I created options for myself and executed on one of them.

If you want to discuss strategies for navigating your options, connect with me.

Earlier this week, CrowdStrike announced an update of its Falcon product, saying it would provide
“unprecedented speed and precision” to detect security breaches. The disruption was triggered by a software update from CrowdStrike, affecting customers using Microsoft’s Windows operating system.

This incident led to widespread flight cancellations, banking service interruptions, and media broadcasting failures across multiple countries.

Prominent security consultant Troy Hunt has termed it the largest IT outage in history, drawing parallels to Y2K concerns.

CrowdStrike’s CEO confirmed it was not a cyberattack and stated that the issue has been identified, isolated, and a fix deployed.

Disclosure: The mention and brief analysis of the stock provided here are for educational purposes only and do not constitute financial advice.

The chart source: The Motley Fool & Y Charts

is a registered
investment advisory firm. I help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

In a society where discussing one’s financial status often remains taboo, understanding where you stand on the wealth spectrum can be intriguing. While most shy away from openly discussing assets, getting a sense of how net worth stacks up against national averages provides curiosity satisfaction and a critical assessment of economic standing and future financial planning.

According to Kiplinger, by 2025, entering the top 2% of America’s wealth will require a net worth of approximately $2.7 million, marking the threshold for elite economic status. Last year, the Schwab Modern Wealth Survey revealed Americans believe it takes $2.2 million to feel wealthy.

The distribution of wealth across America varies significantly. The wealthiest 1% boast a net worth of $11.6 million, diminishing progressively to $1.17 million for the top 5%, and $970,900 for the top 10%. For the broader populace, the median net worth of all families is notably lower at $192,900, with a mean net worth of $1,063,700, indicating substantial wealth concentration at the upper echelons.

Net worth is a comprehensive measure of your financial health. Do you know where you are at?

is a registered
investment advisory firm. I help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

As the November election nears, investors are likely to be more attuned to the potential ramifications of the election for businesses, the economy and capital markets. Even though candidates expected to be at the top of the ticket are well known, there are a number of unanswered questions about how policy could impact markets based on election outcomes.

Big questions: How have election outcomes affected market performance in the past and how might potential scenarios play out in the 2024 presidential election?

The answer to the first question you can see on a picture shared in this post.

The composition and control of Congress resulting from the 2024 election is still up in the air but is another aspect of this year’s election cycle that bears consideration. It also makes sense to keep an eye on which sectors are most likely to be affected by the potential for key policy changes. Despite the constant headlines revolving around elections, investors are well served to remain focused on factors such as economic growth, interest rates, inflation and corporate earnings when making portfolio decisions.

we help young professionals and entrepreneurs to build their wealth foundation. We also help adults who experienced financial setbacks in life.



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Images Source: Carbon Finance

Starbucks Is A Bank

Are you landing interest free loans to Starbucks ? 👀

Source pic.1: GS Investing
Source pic 2: Tim Adler at X.

is a registered investment advisory firm. I help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

Nvidia’s stock split means you’ll get nine additional shares for each share of Nvidia common stock you own at the market’s close on Friday, June 7.

Nvidia shares have been uptrending since well before the company’s split declaration, however, skyrocketing about 27% in the past month, as well as roughly 121% since the start of this year.

Investors should keep in mind that their shares of NVDA stock will still be worth the same amount of money following the stock split as they were prior to it. For example, if you owned one share of NVDA worth $1,200 prior to the split, following the split, you will own 10 shares of NVDA worth $120 each, or $1,200 in total.

Two psychological factors to keep in mind tho:

1) is that the price is perceived to be more ‘affordable’ and thus of greater interest.

2)is that, which is more important and a more powerful motivator for investors, the new low price is perceived “to be” cheaper than the pre-split price, and investors view this as an opportunity to buy the shares ‘on sale’ with the expectation that the price will return to its pre-split level.

This notion makes no sense logically, but every study done on the topic shows that investors don’t act rationally.

Many traders take advantage of this known bias in an effort to capitalize on the foolishness of other investors 🤷🏻‍♀️ keep in mind, this does not always work for them.

So… are you going to buy more NVDA?

is a registered
investment advisory firm. I help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

One of the biggest challenges young investors with debt face is overcoming their debt. This can have a significant impact on their investment returns, future newt worth and even prevent them from investing.

I am often asked whether clients should pay down their debt, invest, or do both. If you are asking yourself the same question, I can help you answer it and guide you through a repayment strategy. I can also tell you when you should start investing.

Get out of debt faster & save money.

What you get:
✅Repayment Strategy
✅Expert Guidance
✅Analysis of loan payment vs investing balance
✅A sound budget
✅Forgiveness and discharge program analysis

| help young professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.


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Tired of hearing “Invest in the S&P”?

Wait, there’s another way. 10 years in the S&P won’t get you that million you dream of. In fact, if you invested $100,000 10 years ago, you’d only be up about $29K today.

But with a personalized, active investing strategy, 5-10 years can be transformative.

I’m Natalia, a registered investment professional specializing in intentional investing, far from cookie-cutter ETF models.

I help clients design portfolios that work for them.

Let’s talk about how to turn your investment dreams into reality. Schedule a free consultation today!

I help young professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

Level Up Your Finances in 2024!

Valid on all products and services.
Valid until January 7th.

Discounted prices:

✨First-Time Investor Package - $200
✨Student Loan Management- $288
✨Personal 401(k) Review - $96
✨Portfolio Rick Analysis/Review - $400

Life/wealth Coaching:
✨Building your first $100,000: $60 first month, $75 afterwards
✨Building your first $500,000: $166.40 first month, $208 afterwards

✨Comprehensive Wealth Planning: 20% off the first year. The first year fee is fixed. E.g. if you have $500,000 your fee is 1% or $5,000. The first year we lock the fee at $4,000. Your monthly payment will be $333 during the first 12 month. After that back to 1% of assets under management(AUM).

Please do not hesitate to contact me with any questions.

I help professionals and entrepreneurs to build their wealth foundation. I also work with adults who experienced financial setbacks in life.


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Thank you so much to all our clients who take the time to leave us a google review it really means the world✨

⭐️⭐️⭐️⭐️⭐️

Regulatory Disclosures:

These reviews were given by current clients. The clients were not specifically told what to say in their testimonial statement. No client of NewGen Wealth Creation was compensated for providing testimonials. Outcomes are personal and specific to each client, and one client’s results do not guarantee identical outcomes in the future for another client.

Unwrap the gift of financial empowerment this Christmas! 🎁✨

From the NewGen Wealth Team, Merry Christmas!

Enjoy 20% off your next financial planning review—whether it’s a first-time investment, student debt, or a comprehensive plan.

Let’s ensure your portfolio is ready to conquer 2024! 🌟 Turn on story reminders for an exclusive promo code to access our top-notch financial services.

Shop here: www.nwcwealth.com/shop

I help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

For most of us, the term FDIC coverage is nothing new. It’s been around since the Great Depression, when the federal government established the Federal Deposit Insurance Corporation to insure a portion of bank savings against loss.

While many consumers today don’t give it much thought, FDIC insurance limits are becoming more important with high interest rates and when consumers look more toward bank-based saving options like high-yield savings accounts.

Understanding FDIC coverage and structure your funds so they are protected should be an important step when organizing your finances.

Contact me to review your finances. ✅

| help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

When it comes to banking, you may be primarily concerned with getting the best rates on savings accounts or finding a checking account with minimal fees. But it’s important to remember that the FDIC is there to protect you and your deposits in the “not so rare event” of a bank failure.

There are 5 bank failures in 2023 only!

You may be asking yourself: What do I do if I have more than $250,000?

Good news - there are a number of ways you can expand your FDIC coverage beyond $250,000. It will take a little extra organization between different categories — but it’s well worth it to get the coverage you need.

Keep an eye for my next FDIC post to learn how to optimize the coverage.

| help professionals and entrepreneurs to build their wealth foundation. I also help adults who experienced financial setbacks in life.

📊 This chart shows the U.S. monthly pending home sales index from March 2001 to October 2023.

Mortgage rates in October rose sharply, with the average on the 30-year fixed loan briefly soaring over 8%.

Rates have since pulled back but are still above 7%, and supply is still tight.

The Realtors noted that sales of homes priced above $750,000 have been increasing simply because there is more supply on the high end of the market.

we help professionals and entrepreneurs to build their wealth foundation. We also help adults who experienced financial setbacks in life.

Are you feeling it? 😂

We talk about millennials lagging behind in household wealth, but I don’t think people fully comprehend how far behind they lag in building up housing wealth in particular.

In 2019Q4 Fed DA data, the millennial generation holds approximately zero net real estate wealth.

And the worst: about 12% of all millennials workers could not cover a $400 emergency expense.

Sometimes, all you need is to ensure that your retirement plan, such as a 401(k) or 403(b), is properly invested, has low fees, and aligns with your financial goals and dreams. I can help you review your retirement plan, investment options, and 401(k) fees.

What you get:
✅Expert guidance
✅Investment analysis
✅Fee analysis
✅Rebalancing recommendations
✅Retirement planning tools & resources

we help professionals & entrepreneurs to build their wealth foundation. We also help adults who experienced financial setbacks in their life.

By offsetting the capital gains of Investment A with your capital loss of Investment B, you could potentially save $7,000 on taxes ($20,000 × 35%). Because you lost $5,000 more than you gained ($25,000 – $20,000), you can reduce your ordinary income by $3,000, potentially lowering your tax liability an additional $1,050 ($3,000 × 35%), for a total savings of $8,050 ($7,000 + $1,050). You could then apply the remaining $2,000 of your capital loss from Investment B ($5,000 – $3,000) to gains or income the following tax year.

Pro Tip 1: You need to complete all of your harvesting before the end of the calendar year, Dec. 31.

Pro Tip 2: When undertaking portfolio rebalancing, it is crucial to incorporate a tax-loss harvesting strategy to minimize tax implications. Rebalancing within taxable accounts can trigger taxable events, often resulting in significant realized gains that necessitate tax payments.

Thoughtful rebalancing is essential in any scenario, and the implementation of a tax-loss harvesting strategy serves as an effective means to seamlessly manage the rebalancing process while mitigating tax burdens.

May your tax loss harvesting be plentiful 🤗

🤝 we help professionals & entrepreneurs to build their wealth foundation. We also help adults who experienced financial setbacks in their life.

This material is for educational purposes only and does not provide individually tailored investment advice.

Remember I posted a reel asking you not to panic?

So, Michael Burry is now down 42% on his “$1.6 billion” S&P 500 and Nasdaq short if he is still holding it.

Burry spent $26.5 million to build the ‘big short’! It is important to note that, while the combined notional value of the two positions was a whopping $1.6 billion, Burry spent only a minor portion of that figure to build his new big short.

Here is my reminder, yet again, don’t base your investment decision on loud news. Invest strategically.

Check out the full article in my story.

we help professionals & entrepreneurs to build their wealth foundation. We also help adults who experienced financial setbacks in their life.

WOKE UP TO 500 OF YOU!

THANK YOU SOOO MUCH!

I'm left speechless by your support. Just a year ago it was 0! If you had asked me last year when I first launched my business, when I thought I would hit this number, I would have never guessed that there would be this many of you before the year's end.

THANK YOU.

I used to be wary of social media, but now I see how special it is. I have met so many wonderful people who have become friends and it is my go to place to find services and professionals to work with.

It means so much to me to know that my business means something to someone, 500+ someones to be exact 🧡

I wouldn't be here without your support!

you

You could have literally cost yourself over a million dollars!

In 2015, with my meager income, opening a Roth IRA was a breeze - I could buy with $5,500 (now the contribution limit is $6,000)
AMZN for approx. $30 a share!

Fast-forward to 2021 I could have $1,044,000 in my Roth IRA Tax-FREE.

If you are young. You should open Roth IRA while you can and start intentional investing for your future.

I help professionals and entrepreneurs to build wealth by utilizing wealth management strategies that save them thousands in fees, debt interest and taxes.

This material does not provide individually tailored investment advice. To discuss your situation please contact me directly.

Retirement is often seen as a time to relax and slow down. But for many intelligent men and women, retirement is a time to break free from the constraints of the traditional workforce and pursue their passions.

If you're one of these people, then you need a wealth management partner who can help you achieve your financial goals and live your best life in retirement on your terms.

, we specialize in helping intelligent men and women break free and create the retirement they've always dreamed of. We understand that retirement and the way to it is not about slowing down, it's about living life to the fullest.

Allow me to provide a brief overview of my background and professional experience.

With over 7 years in wealth management, I have served as a portfolio management associate (managing 1.9 billion in AUM), syndicate coordinator, and financial planning specialist for business owners.

As a fully registered financial representative, I currently run a successful independent financial firm.

I have also created over 1000 retirement plans. Currently, I work with Individuals who are interested in creating passive income strategies, plan for early retirement and travel-loving lifestyle.

learn more at 👈🏼