Joshua Krafchick

10/01/2026

When Your RSUs Vest at an All-Time High.

Great timing can feel exciting
But what happens after your RSUs vest matters just as much
Taxes diversification and your overall financial plan all come into play

PS
369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions
As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/27/2026

Nasdaq Record Highs and What They Mean for Investors.

The Nasdaq hitting a record high can sound like a signal to do something with your investments
But a record high only tells you where prices have been, not where they are going next

It does not automatically mean you should buy more
It also does not mean a market crash is around the corner

Headlines are designed to grab your attention, not give you personalized financial instructions

Before letting a market headline influence your next move, come back to your goals, timeline, risk tolerance, and the reason you are investing in the first place

Your financial plan should drive your decisions, not the headline of the day

PS
369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions
As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/21/2026

Company Stock Can Create Concentration Risk.

Owning company stock can feel personal, especially when you helped build the business and that equity became a meaningful part of your financial life

But when your income, career, benefits, and investments are connected to the same company, your overall financial picture may be more concentrated than you realize
That does not mean owning company stock is necessarily good or bad

The appropriate level of concentration depends on factors including your goals, timeline, tax circumstances, liquidity needs, and tolerance for risk

Diversification may help reduce certain risks, but it does not eliminate investment risk and may have tax or other financial implications

Comment STOCK below and I’ll send you a free educational resource about company stock and concentration risk

PS
369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions
As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/15/2026

09/14/2026

Selling your home could be a mistake.
Dave Ramsey says selling your home and renting can be the wrong move for some people
But that does not mean owning is always better
Owning can offer stability
Renting can offer flexibility
The better decision depends on your cash flow, lifestyle, timeline, and goals
That is why personal finance should actually be personal
Would you rather own or rent?
PS
369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions
As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/12/2026

Understanding the U.S. national debt.

The national debt gets a lot of attention because the number itself is massive

But looking at the debt alone does not tell you everything about the health of the US economy

One important measure is how government debt compares with the size and growth of the economy over time

Economic growth, interest costs, federal spending, tax revenue, inflation, and productivity can all affect how sustainable government debt may be

That is why economists often look at measures like the debt to GDP ratio instead of focusing only on the headline number

The US national debt is still an important economic issue, but big numbers need context

Understanding the relationship between government debt and economic growth can give you a clearer picture of what those headlines actually mean

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/11/2026

You may have seen headlines saying Americans could get $5,000

But could is the important word here

This is a proposal, not money that has been approved or guaranteed

There are still steps that would need to happen before anything like this could become reality

So when you see a big financial headline, read past the number and look at what is actually being proposed

The headline gets attention

The details give you the real story

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/05/2026

Finance should feel easier to understand.

Managing your money can feel complicated when no one takes the time to explain what is actually happening

You deserve guidance that is clear, thoughtful, and built around your goals

That means understanding the process, knowing your options, and having someone help you think through the decisions without simply telling you what to do

At 369 Financial, our goal is to make the financial side of your life easier to understand so you can make decisions with more confidence

Your financial plan should fit your life, not the other way around

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/04/2026

Financial planning should make life feel simpler.

It’s not just about numbers

It’s about having a clear plan, knowing someone is paying attention, and feeling more confident about the decisions in front of you

At 369 Financial, we help organize the moving pieces so your finances feel less overwhelming and more intentional

Because a good financial plan should do more than look good on paper

It should help bring clarity to your life

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators