Elijah Finn 
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Rewards as a Fiduciary Asset For the casual consumer, points and miles are a perk. For the disciplined financial strategist, they are an asset class—a form of non-taxable return on expenditure. However, the advanced practice known as Travel Hacking or Churning—the … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Unrivaled Power of Your 20s For young professionals aged 22–29, your greatest financial asset is not your current salary—it is time. Due to the mathematical engine of compound interest, every dollar invested today is exponentially more valuable than a dollar … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Strategy vs. Speculation The financial media often blurs the line between investing and speculation. Investing, by definition, is the methodical allocation of capital to assets expected to generate reasonable returns over years or decades. Speculation (e.g., Day Trading) is the attempt … Read more
As a former Portfolio Analyst at Morgan Stanley Wealth Management, I have seen many families struggle to balance providing for a child with special needs while maintaining government benefit eligibility. For veterans, this process involves specific military-related assets that require careful coordination. If you are a veteran with a disabled child, this checklist will help … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The HSA as the Ultimate Retirement Vehicle For eligible Americans, the Health Savings Account (HSA) is arguably the single best wealth-building tool available, often referred to as the “Triple Tax Advantage.” It is not merely a short-term savings account for medical … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Single Largest Threat to Late-Life Wealth For high-net-worth (HNW) Americans, the greatest financial risk in retirement is not market volatility; it is the catastrophic, non-covered cost of Long-Term Care (LTC). LTC is defined as assistance with basic personal needs (bathing, … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Turning Recurrent Expenses into Revenue For small to medium-sized businesses (SMEs) in the U.S., recurring operational expenses like fuel (gas) and office supplies are significant line items. A strategic business credit card doesn’t just defer payment; it transforms these fixed costs … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Low-Cost Index Fund War For the long-term investor, the war has been won: low-cost index funds are the most effective vehicle for wealth accumulation. The remaining battle is over expense ratios—the tiny fee percentage charged annually—and platform usability. The three … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Enemy is Not the Market, It’s the Mind In the long run, investment returns are driven by compound interest, low costs, and asset allocation. However, the short-term reality is that the largest single determinant of poor performance is the investor … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Your Filing Status Dictates Your Tax Bill The Tax-Filing Status is the foundation upon which your entire federal income tax calculation rests. It determines your Standard Deduction amount, which tax brackets you use, and which credits you are eligible to claim. … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Your Financial Foundation is Not an Investment Before a single dollar is allocated to a brokerage account, a 401(k), or real estate, your primary financial goal must be establishing a fully funded Emergency Fund. This capital is your financial armor, designed … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Leveraging Credit as Strategic Operational Capital For the CEO of a scaling business, a high-limit business credit card is not merely a payment method; it is a vital piece of the company’s financial architecture. Strategic use of commercial credit allows founders … Read more