Topinka Financial

Topinka Financial A personalized approach to managing wealth. https://linktr.ee/topinkafinancial Securities offered through Raymond James Financial Services, Inc.

Topinka Financial is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. Member FINRA / SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Important Disclosure Information: http://raymondjames.com/smicd.htm

05/18/2026

Entrepreneurship is exciting, challenging, and unpredictable all at once.

Starting is hard. Scaling is harder.

But don’t let that deter you — the challenges are what shape the journey, and pushing through to the other side is what makes it all worth it. Growth doesn’t happen in comfort zones.

05/14/2026

Before making a big move, spend time in the area, evaluate the financial impact, and make sure it aligns with your retirement goals.

05/11/2026

Fast answers, real insights—because investing is more than just one-liners.

05/06/2026

Mike’s early days in the business?
Straight into the deep end.

Training?
A two-question script and a list of leads.

Expectation?
300–400 cold calls a day.

Reality?
Talking through things he was still learning in real time.

Big takeaway?
You’re not supposed to know everything at the start.

Mike’s lesson:
Success comes from jumping in, figuring it out, and getting better with every call.

04/30/2026

Is 6 months of expenses really enough?

It’s a decent baseline—but it might be outdated.

• Emergency fund: ~3–4% of your tangible assets
• Income protection: 1–2 years of your income gap

Because job loss often hits when markets are down—you don’t want to sell investments at the worst time.

Plan smarter, not harder. DM “PLAN” for an income gap worksheet.

04/23/2026

Most people don’t realize this…
You can actually make too much to contribute to a Roth IRA.

As your income grows… the rules change.
Make sure your strategy does too.

04/20/2026

New Podcast Out Now!

Recognition like this doesn’t happen individually—it’s earned collectively.Proud to be included on the Forbes Best-In-St...
04/10/2026

Recognition like this doesn’t happen individually—it’s earned collectively.

Proud to be included on the Forbes Best-In-State Wealth advisors, but even more proud of the team that shows up every day with discipline, integrity, and a commitment to doing what’s right for our clients.

Grateful to be surrounded by such an amazing group of people.

04/06/2026

Quick question…

Do you know the right number of stocks in a portfolio?

Too few → concentration risk.
Too many → diluted returns.

Some studies suggest once you get past ~50–100 stocks, diversification benefits flatten.

More investments doesn’t always mean better investing.

Full Podcast Out Now!

04/01/2026

Volatility picking up? That’s not unusual.

Markets often see periodic pullbacks throughout the year—it's part of the cycle. The bigger question: is this normal market movement, or something more systemic?

With a well-structured plan built around your goals, short-term volatility may feel less disruptive. The focus should be on preparation, not reaction—and being mindful of where your advice comes from.

Address

502 Valley Road Suite 102
Wayne, NJ

Opening Hours

Monday 9am - 5am
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+19736927065

Website

https://linktr.ee/topinkafinancial

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