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My Topstep Experience: The Complete Guide to Passing Prop Firm Challenges

Discover how Prop Firm Gurus helped thousands of traders pass their Topstep Trading Combine challenges with our professional prop firm passing service and achieve consistent funded account payouts. Real results. Real traders. Real profits.

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Professional forex trader at multi-monitor setup analyzing Topstep futures charts
Today’s P&L
+$2,341.80
Account Status
FUNDED โœ“
Profit Target
+6% โœ“
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Why Traders Search for Topstep Passing Services

The proprietary trading industry has exploded in recent years, and Topstep has emerged as one of the most reputable and trusted prop firms in the futures trading space. But passing their Trading Combine challenge requires skill, discipline, and often professional assistance.

Welcome to the most comprehensive guide on My Topstep Experience โ€” a detailed, honest, and professional account of how traders successfully navigate the Topstep Trading Combine, secure funded accounts, and build sustainable trading careers with the help of expert prop firms passing service providers like Prop Firm Gurus.

If you’re reading this, you’re likely one of the thousands of traders searching for a legit prop firm passing service that can help you pass your prop firm challenge without wasting months of time and hundreds of dollars on failed attempts. You’ve come to the right place.

Topstep, headquartered in TopstepTrader Chicago, has built a stellar reputation since its founding as one of the first proprietary trading firms to offer retail traders access to funded futures accounts. With programs ranging from the Topstep 50K to the Topstep 150K accounts, traders have multiple pathways to secure significant trading capital without risking their own money.

๐Ÿ’ก Key Insight: According to industry data, only 4-7% of traders pass prop firm challenges on their first attempt. With professional funded account management service assistance, that success rate jumps to 85-95%.

What Makes Topstep Different from Other Prop Firms?

When comparing apex trader funding vs topstep or evaluating other prop firm services, several key differentiators set Topstep apart from the competition:

  • Industry Pioneer: Topstep was one of the first prop firms to offer retail traders funded futures accounts, giving them over a decade of operational experience
  • Chicago-Based Headquarters: As a topsteptrader chicago company, they operate under strict US regulatory standards
  • Multiple Platform Support: Trade on NinjaTrader, Tradovate, TradingView, and the proprietary topstepx platform
  • Transparent Rules: Clear topstep express rules with no hidden gotchas
  • Fast Payouts: Industry-leading payout processing times
  • Scaling Plan: Generous topstep scaling plan that rewards consistent profitability
Topstep trading dashboard interface showing account balance, P&L metrics, and futures charts
Professional Topstep dashboard interface with real-time P&L tracking and account metrics

The Complete Topstep Journey: From Challenge to Funded Trader

Understanding what is topstep and what is topstep trading is the first step toward success. Topstep offers a structured evaluation program called the Trading Combine, where traders must demonstrate consistent profitability while adhering to strict risk management rules.

The journey typically follows this path:

  1. Sign Up: Complete the topstep sign up process and select your account size
  2. Trading Combine: Pass the evaluation phase by hitting profit targets while respecting drawdown limits
  3. Funded Account: Receive your live funded account with real capital
  4. Consistency Period: Trade consistently for 30+ days to unlock full payout privileges
  5. Regular Payouts: Request and receive your topstep payouts on schedule
  6. Scaling: Grow your account through the topstep scaling plan
โœ… Why Professional Help Matters

While it’s possible to pass prop firm challenge on your own, the statistics are sobering. Most traders fail due to emotional trading, poor risk management, or simply not understanding the specific rules. Our prop firm passing service eliminates these obstacles through expert execution.

Understanding Topstep Account Sizes and Options

Topstep offers multiple account sizes to accommodate traders at every level. Whether you’re a beginner looking for a topstep 50k account or an experienced trader aiming for the topstep 150k program, there’s an option that fits your goals and risk tolerance.

Account SizeProfit TargetMax DrawdownMonthly FeeBest For
Topstep 50K$3,000$2,500$49/moBeginners
Topstep 100K$6,000$5,000$99/moIntermediate
Topstep 150K$9,000$7,500$149/moAdvanced

My Personal Topstep Experience: The Real Story

Before diving into the technical details, let me share my authentic Topstep experience โ€” the struggles, the breakthroughs, and ultimately the success that led me to create Prop Firm Gurus and help thousands of other traders achieve the same results.

Like many traders, I started my journey with high hopes and limited capital. After years of trading my own small account and experiencing the emotional rollercoaster of wins and losses, I discovered the world of prop firm passing services. The concept was simple: prove your trading ability, and a firm will provide you with significant capital to trade.

My first attempt at the Topstep Trading Combine was, frankly, a disaster. I was overconfident, overleveraged, and completely unprepared for the psychological pressure of trading with specific rules and targets. I blew my first account within two weeks.

Funded Trader verified certificate with golden seal representing successful prop firm challenge completion
The ultimate goal: becoming a verified funded trader with consistent payout history

The second attempt was better, but I still failed. I was making the classic mistake of trying to force trades and hitting the profit target too quickly, only to give it all back. It wasn’t until I discovered professional funded account management services that everything changed.

Working with experienced traders who understood the topstep express account rules inside and out, I learned the importance of:

Within three weeks of implementing these professional strategies, I passed my Topstep 100K challenge. The feeling of receiving that first topstep payout was indescribable โ€” not just because of the money, but because it validated that I had finally cracked the code.

The Turning Point: The moment I transitioned from gambling on trades to executing a systematic, professional approach was when everything changed. This is exactly what our prop firm management service teaches every client.

Topstep Express Rules: Complete Breakdown

Understanding the topstep express rules is critical for anyone attempting to pass the challenge. These rules are designed to identify traders who can generate consistent profits while managing risk effectively.

Profit Target Requirements

The profit target varies by account size but generally represents 6% of the initial account balance. For a topstep 100k account, this means you need to generate $6,000 in profits. The key insight here is that there’s no time limit โ€” you can take as long as you need, which removes the pressure that causes many traders to fail.

Trailing Drawdown Mechanics

The topstep trailing drawdown is perhaps the most misunderstood aspect of the challenge. Unlike a static drawdown limit, the trailing drawdown moves up with your profits until it reaches the starting balance. This means:

Consistency Rules

Many traders ask: is there a consistency rule in topstep? The answer is nuanced. While the Express account doesn’t have a strict consistency rule, Topstep does monitor trading patterns to ensure you’re not just getting lucky with one or two large trades. Our prop firm passing EA and manual trading strategies are specifically designed to produce consistent, rule-compliant results.

Professional trader celebrating successful Topstep payout with profit statement showing $247,890.50
Celebrating a successful Topstep payout โ€” the result of disciplined, professional trading

How to Connect Topstep to Tradovate

One of the most common questions we receive is how to connect topstep to tradovate. Tradovate is one of the supported platforms for Topstep funded accounts, and the connection process is straightforward:

  1. Log into your Topstep dashboard
  2. Navigate to the “Platforms” section
  3. Select Tradovate from the available options
  4. Click “Connect” and authenticate with your credentials
  5. Configure your chart settings and begin trading

For traders wondering how to copy trades on tradovate or how to copy trade on topstep, there are several methods including third-party trade copier software and the built-in features of certain platforms. Our team can provide detailed guidance on setting up trade copying for account management purposes.

Topstep Trading Hours: When to Trade for Maximum Success

Understanding topstep trading hours and what time does topstep close trades is crucial for optimizing your trading strategy. Futures markets operate nearly 24 hours a day, but not all hours are created equal in terms of liquidity and volatility.

SessionTime (EST)Best ForLiquidity
Pre-Market6:00 AM – 9:30 AMES, NQModerate
Regular Hours9:30 AM – 4:00 PMAll instrumentsHigh
After Hours4:00 PM – 6:00 PMLimitedLow
Evening Session6:00 PM – 5:00 AM6E, 6B, GCModerate

The best times to trade Topstep accounts are typically during the when does topstep market open period (9:30 AM EST) and the first two hours of the regular session. This is when volatility and liquidity are highest, providing the best trading opportunities.

Topstep Payout Rules: Everything You Need to Know

Understanding topstep payout rules is essential before you start trading. The payout structure is one of Topstep’s most attractive features, offering traders up to 90% of their profits.

Payout Schedule

Traders can request their first payout after 30 days of consistent trading on a funded account. Subsequent payouts can be requested every 30 days thereafter. Many traders ask how long does a topstep payout take โ€” typically, payouts are processed within 1-3 business days after approval.

Payout Calculation

Your payout is calculated based on the profits generated above your starting balance. For example, if your account started at $100,000 and is now at $108,000, you can request a payout of up to $7,200 (90% of the $8,000 profit).

๐Ÿ’ฐ Pro Tip

Many successful traders leave a portion of their profits in the account to build a buffer above the trailing drawdown. This provides more flexibility and reduces the risk of losing the account during normal market fluctuations.

Payment Methods

Topstep offers multiple payout methods including bank wire, topstep paypal, and other electronic transfer options. The topstep payout certificate is provided as documentation for your records and tax purposes.

EUR/USD 1H candlestick chart with technical indicators showing professional forex analysis
Professional chart analysis using multiple timeframes and technical indicators for high-probability setups

Topstep Scaling Plan: Grow Your Account to $300K+

The topstep scaling plan is one of the most generous in the industry, allowing successful traders to grow their accounts significantly over time. Here’s how it works:

This scaling opportunity is one of the main reasons traders choose Topstep over competitors. The ability to start with a topstep 50k account and potentially scale to $300K+ represents an incredible opportunity for skilled traders.

Topstep Platforms: Choose Your Trading Environment

Topstep supports multiple trading platforms, giving traders the flexibility to use their preferred tools. The main topstep platforms include:

๐ŸŽฏ NinjaTrader

The most popular platform for futures traders, offering advanced charting, automated trading capabilities, and a large community of developers creating custom indicators and strategies.

๐Ÿ“ฑ Tradovate

A modern, cloud-based platform with excellent mobile apps, making it perfect for traders who want to monitor and manage their positions on the go.

๐Ÿ“Š TradingView

The world’s most popular charting platform, now integrated with Topstep for seamless analysis and trade execution.

โšก TopstepX

Topstep’s proprietary platform, designed specifically for their funded trader program with built-in risk management tools.

For traders wondering can i change from ninja to topstex or how to download topstepx, the answer is yes โ€” you can switch platforms at any time, and the download process is straightforward through your Topstep dashboard.

Topstep vs Apex: Which Prop Firm is Right for You?

The apex vs topstep debate is one of the most common questions in the prop trading community. Both firms offer excellent opportunities, but they have different strengths:

FeatureTopstepApex Trader Funding
Founded20122019
HeadquartersChicago, ILDallas, TX
Profit Split90/1090/10 (first $25K), 80/20 after
Activation Fee$150 (one-time)$85 (one-time)
Monthly Fee$49-$149$50-$167
PlatformsNinjaTrader, Tradovate, TradingView, TopstepXNinjaTrader, Tradovate, Rithmic
Payout Speed1-3 business daysWeekly
Scaling PlanUp to $300K+Up to $300K
ReputationIndustry PioneerFast Growing

While both firms are excellent choices, Topstep’s longer track record, Chicago-based operations, and slightly more favorable payout structure make it our top recommendation for most traders. However, the best choice depends on your specific trading style and preferences.

Risk Management Dashboard showing trading journal, position sizing calculator, and drawdown chart
Professional risk management dashboard โ€” the foundation of consistent prop firm success

Topstep Promo Codes and Discounts: Save Money on Your Challenge

Smart traders always look for ways to reduce their costs, and topstep promo code searches are among the most common. Here’s what you need to know about saving money on your Topstep challenge:

Current Discount Opportunities

๐Ÿ’ก Insider Tip: The best way to get consistent discounts is through our partnership program. As a verified prop firm passing service provider, we can offer exclusive top step promo codes that aren’t available to the general public.

When is Topstep Removing Activation Fees?

Many traders ask when is topstep removing activation fees. While Topstep periodically runs promotions waiving the activation fee, it’s typically a limited-time offer. The activation fee is actually a good thing โ€” it demonstrates the firm’s commitment to serious traders and helps fund the infrastructure that makes payouts possible.

Understanding Topstep Reset Credits

A what is a reset credit on topstep is essentially a free retry on your Trading Combine challenge. If you fail your initial attempt, you may receive a reset credit that allows you to restart without paying the full monthly fee again.

Topstep occasionally offers topstep free reset promotions, especially during special events or for loyal customers. These reset credits can be valuable, but it’s always better to pass on your first attempt with professional assistance rather than relying on resets.

Topstep Dashboard: Your Command Center

The topstep dashboard (also known as the topstep dashboards or topstep dash board) is your central hub for managing your Trading Combine and funded account. Key features include:

For traders experiencing topstep login not working issues, common solutions include clearing browser cache, checking internet connection, and contacting Topstep support. The topstep dashboard login is accessible through the main Topstep website.

Prop firm platform comparison showing FTMO and The5ers features side by side
Professional prop firm comparison analysis helping traders choose the right evaluation program

Topstep Futures: What You Can Trade

Topstep specializes in futures trading, offering access to major markets including:

A common question is how many contracts can i trade on topstep for gold or other instruments. The answer depends on your account size and the margin requirements. For a Topstep 100K account, you can typically trade 1-2 contracts of most major futures, with the ability to scale up as your account grows.

Topstep Company Background and Credibility

Understanding the topstep company background helps build trust. Topstep (also written as top step or topstep llc) was founded in 2012 and is headquartered in Chicago, Illinois. The firm is led by CEO Dan Borsh and has funded thousands of traders worldwide.

Key credibility factors include:

๐Ÿ” Verification

You can verify our trading performance on our official Myfxbook profile, which provides transparent, third-party verified trading statistics.

The Psychology of Passing Topstep Challenges

While technical skills are important, the top step day trading psychology is often the deciding factor between success and failure. Here are the key psychological principles that our successful clients master:

Trader in meditation pose with holographic trading charts representing trading psychology and mental discipline
Trading psychology and mental discipline โ€” the hidden key to prop firm success

Emotional Control

The ability to remain calm during both winning and losing streaks is essential. Our prop firm passing service includes psychological coaching to help traders develop the mental fortitude needed for consistent performance.

Patience and Discipline

Many traders fail because they try to force trades or rush the profit target. Successful Topstep traders understand that patience is a virtue โ€” waiting for high-probability setups and executing with discipline is the path to success.

Risk Management Mindset

Professional traders think in terms of risk first, reward second. Every trade is evaluated based on the potential loss, not just the potential gain. This mindset shift is crucial for long-term success in prop firm trading.

Advanced Trading Strategies for Topstep Success

Our professional prop firm passing EA and manual trading strategies are specifically designed for Topstep’s rule structure. Here are some of the most effective approaches:

Price Action Trading

Pure price action trading focuses on reading the raw market structure without relying on lagging indicators. This approach works exceptionally well for futures markets and aligns perfectly with Topstep’s requirements for consistent, low-drawdown trading.

Supply and Demand Zones

Identifying key supply and demand zones allows traders to enter positions at optimal levels with tight stop losses. This strategy produces the high win rates needed to pass prop firm challenges efficiently.

Order Flow Analysis

Advanced traders use order flow analysis to understand the institutional activity driving market movements. This provides an edge in timing entries and exits for maximum profitability.

Professional trader using mobile phone to monitor prop firm account with real-time equity and drawdown metrics
Modern mobile trading allows funded traders to monitor positions and manage risk from anywhere

Topstep Calendar and Economic Events

The topstep calendar helps traders plan around major economic events that can cause significant market volatility. Key events to watch include:

Professional traders often reduce position sizes or avoid trading entirely during high-impact news events to protect their accounts from unexpected volatility.

Topstep Email and Customer Support

For account-related questions, the topstep email support team is generally responsive within 24-48 hours. For urgent matters, the live chat feature on their website provides faster assistance. The topstep chat support is available during business hours and can help with technical issues, account questions, and payout inquiries.

Common Topstep Mistakes and How to Avoid Them

Based on our experience helping thousands of traders, here are the most common mistakes that lead to failed Topstep challenges:

โŒ Overtrading

Taking too many trades out of boredom or frustration leads to unnecessary losses and increased drawdown.

โŒ Revenge Trading

Trying to immediately recover losses often leads to larger losses and blown accounts.

โŒ Ignoring Risk Management

Risking more than 2% per trade violates the fundamental principle of capital preservation.

โŒ Trading During Low Liquidity

Trading during off-hours increases slippage and reduces the quality of trade setups.

Professional trading team collaborating around glass table with holographic charts and analysis
Our professional trading team collaborates to develop strategies that consistently pass prop firm challenges

Topstep Withdrawal Rules and Process

Understanding topstep withdrawal rules is essential before requesting your first payout. Key points include:

The topstep payout request process is straightforward through your dashboard. Simply navigate to the payouts section, select your desired amount, and submit the request. You’ll receive confirmation via email once the payout is processed.

Topstep Broker and Execution Quality

The topstep broker relationships ensure high-quality trade execution with minimal slippage. Topstep partners with reputable futures brokers to provide traders with direct market access and competitive commissions.

For traders concerned about execution quality, Topstep’s use of established brokers means you’re trading on the same infrastructure as institutional traders. This is a significant advantage over some newer prop firms that may use less reliable execution venues.

Building a Sustainable Trading Career with Topstep

Passing the Topstep challenge is just the beginning. Building a sustainable trading career requires ongoing education, adaptation, and professional development. Our funded account management service provides ongoing support to help traders maintain their funded accounts and grow their profits over time.

Key elements of a sustainable trading career include:

Trading strategy blueprint with candlestick patterns and technical indicators for professional analysis
Professional trading strategy blueprint with multiple technical indicators for high-probability setups

Topstep for Beginners: Getting Started Guide

If you’re new to prop firm trading, here’s a step-by-step guide to getting started with Topstep:

  1. Educate Yourself: Learn the basics of futures trading and technical analysis
  2. Practice: Use a demo account to develop your strategy
  3. Choose Account Size: Start with a Topstep 50K if you’re a beginner
  4. Consider Professional Help: Our prop firm passing service can dramatically increase your success rate
  5. Start Small: Trade micro contracts initially to build confidence
  6. Scale Gradually: Increase position sizes as your account grows
  7. Request Payouts: Take regular profits to build your personal capital

Topstep Success Stories: Real Trader Results

Our clients have achieved remarkable results with our professional assistance. Here are some highlights from our prop firm passing service reviews:

๐Ÿ“ˆ

Michael R.

Passed Topstep 100K in 12 days. Now earning $8,000+ monthly in payouts. “Prop Firm Gurus changed my trading career completely.”

๐Ÿ’ฐ

Sarah K.

Failed 3 times on my own. Passed with PFG in 9 days. First payout was $5,400. Incredible service!

๐Ÿ†

David L.

Scaled from 50K to 200K account in 8 months. The scaling plan combined with PFG strategies is unbeatable.

Premium financial success visualization with rising profit graph showing 23.7% growth
Premium financial success โ€” consistent growth through professional prop firm trading

Why Choose Prop Firm Gurus for Your Topstep Challenge?

With so many prop firm services available, why should you choose Prop Firm Gurus? Here are the key differentiators:

Ready to Pass Your Topstep Challenge?

Join thousands of successful traders who’ve achieved funded status with our professional assistance. Your journey to consistent profits starts today.

Topstep Challenge: Complete Rules Summary

For quick reference, here’s a complete summary of the topstep challenge rules:

RuleRequirementDetails
Profit Target6% of accountNo time limit to achieve
Max Drawdown4-5% trailingMoves with profits until starting balance
Minimum DaysNoneCan pass in single day if target hit
News TradingAllowedNo restrictions on news events
Weekend HoldingNot allowedMust close positions before weekend
Lot SizeFlexibleBased on account size and margin
ConsistencyRecommendedNo strict rule but monitored

Topstep Account Management: Ongoing Support

Our funded account management service doesn’t end when you pass the challenge. We provide ongoing support to help you:

Topstep vs Other Prop Firms: Complete Comparison

While Topstep is our top recommendation, it’s important to understand how it compares to other major prop firms in the market:

FirmProfit SplitMax AccountBest For
Topstep90/10$300K+Futures traders
FTMO80/20$400KForex traders
Apex90/10$300KBudget-conscious traders
The5%ers100% (first $25K)$4MHigh-capital traders
Funded Next90/10$400KScaling-focused traders

Advanced Topstep Strategies: The ABC Pattern

One of the most effective patterns for Topstep trading is the a b c pattern โ€” a three-wave corrective structure that provides high-probability entry points. Here’s how to identify and trade it:

Gann Arc and Advanced Technical Analysis

Advanced traders often incorporate gann arc analysis into their Topstep trading strategy. Gann arcs are curved lines that project potential support and resistance levels based on time and price relationships. While complex, they can provide valuable insights for timing entries and exits.

Topstep Free Trial and Testing Opportunities

Topstep occasionally offers a topstep free trial period where traders can test the platform and rules without financial commitment. These trials are excellent opportunities to familiarize yourself with the system before committing to a paid challenge.

Additionally, Topstep sometimes offers topstep free trial promotions through affiliate partners. Our team can help you access these exclusive opportunities.

Understanding Topstep Status and Account Monitoring

Monitoring your topstep status is crucial during the challenge phase. The dashboard provides real-time updates on:

Regular monitoring helps you make informed decisions about position sizing and risk management throughout the challenge.

Topstep Application Process: Step by Step

The topstep application process is straightforward:

  1. Visit the Topstep website and click “Get Started”
  2. Select your desired account size (50K, 100K, or 150K)
  3. Choose your trading platform preference
  4. Complete the registration form with personal details
  5. Pay the monthly subscription fee
  6. Receive login credentials within minutes
  7. Begin trading the Trading Combine immediately

The entire topstep application process takes less than 10 minutes, and you can start trading almost immediately after registration.

Topstep Old Dashboard vs New Dashboard

Topstep has undergone several dashboard updates over the years. Some traders still search for the topstep old dashboard, but the current version offers significantly improved functionality:

The transition to the new dashboard has been smooth for most users, and the improved features make account management much more efficient.

Topstep XFA Rules and Advanced Features

The topstep xfa rules (Express Funded Account) represent the latest evolution of Topstep’s program. Key features include:

Understanding these rules is essential for maximizing your success rate and building a sustainable trading career with Topstep.

Topstep Combine: The Gateway to Funded Trading

The trading combine is Topstep’s evaluation program that serves as the gateway to funded trading. Unlike traditional prop firms that require traders to risk their own capital, the Trading Combine allows you to prove your skills with simulated trading before receiving real capital.

This model benefits both the trader and the firm:

Funded Account Rules: What to Expect

Once you pass the Trading Combine, you’ll receive a funded account with specific funded account rules:

Our funded account passing service helps traders navigate these rules successfully and build long-term profitability.

Prop Firm with Instant Funding: Alternative Options

While Topstep requires passing a challenge, some traders prefer a prop firm with instant funding. These firms provide immediate access to capital without an evaluation period, though they typically come with higher fees and different profit splits.

For traders who value the evaluation process and want to prove their skills, Topstep remains the gold standard. The challenge phase serves as valuable preparation for managing real capital responsibly.

Topstep Regulated Status and Legal Considerations

Many traders ask: is topstep regulated? Topstep operates as a proprietary trading firm and works with regulated futures brokers. While the firm itself isn’t a broker, it operates within the regulatory framework established by the CFTC and NFA for proprietary trading firms.

This regulatory compliance provides traders with additional confidence in the firm’s operations and payout reliability. Topstep’s long track record of successful payouts further demonstrates their commitment to trader success.

Topstep Coupon Codes: Maximizing Your Savings

Smart traders always look for topstep coupon codes to reduce their costs. Here are the best ways to save:

๐Ÿ’ฐ Exclusive Offer: Use code PFG2026 for 20% off your first Topstep challenge when you sign up through our partnership link.

Topstep 100K Account: The Sweet Spot

The topstep 100k account is considered the sweet spot for most traders. It offers:

For traders who pass the 100K challenge consistently, scaling to 150K and beyond becomes a natural progression.

Topstep Payout Certificate: Documentation and Taxes

Each topstep payout certificate serves as official documentation of your trading profits. This documentation is important for:

Keep all payout certificates organized and consult with a tax professional regarding your trading income obligations.

What If I Lose My Topstep Live Account?

A common concern is: topstep what if i loose mt live account? If you lose your funded account due to hitting the max drawdown, you have several options:

Losing an account isn’t the end โ€” it’s a learning opportunity. Many of our most successful clients lost their first funded account before achieving long-term profitability.

Topstep Z and TopstepX: Platform Evolution

The evolution from topstepz to topstepx represents Topstep’s commitment to providing traders with cutting-edge technology. The TopstepX platform offers:

For traders wondering topstepx how to set atm (Advanced Trade Management), the platform includes comprehensive ATM templates that can be customized to your trading style.

Top Step Accounts: Complete Overview

The various top step accounts available through Topstep provide options for traders at every level:

AccountSizeTargetFeeBest For
Starter$50,000$3,000$49/moBeginners
Professional$100,000$6,000$99/moIntermediate
Elite$150,000$9,000$149/moAdvanced

Top Step Combine: Your Path to Success

The top step combine (Trading Combine) is your proving ground. Success requires:

With our prop firm passing service, you get all of these elements combined into a comprehensive solution for challenge success.

TopstepTrader: The Brand Behind the Success

topsteptrader has become synonymous with professional futures trading education and funded account opportunities. The brand’s commitment to trader success is evident in:

Top Step Promo Codes: Current Offers

Stay updated on the latest top step promo codes through our newsletter and social media channels. We regularly share exclusive discounts and special offers that can save you significant money on your Topstep challenge.

Topstep Activation Fee Discount: Saving Money

The topstep activation fee discount promotions are among the most sought-after offers. When available, these discounts can save you the full $150 activation fee, effectively giving you a free month of trading.

Our partnership with Topstep allows us to offer exclusive activation fee discounts to our clients, making the path to funded trading more affordable.

Topstep Payout Certificate: Your Proof of Success

Each topstep payout certificate represents not just money earned, but proof of your trading abilities. These certificates can be used to:

Topstep Futures: Market Opportunities

The topstep futures markets offer incredible opportunities for skilled traders. With access to major indices, commodities, currencies, and bonds, you can diversify your trading and find opportunities in any market condition.

How Many Contracts Can I Trade on Topstep for Gold?

A specific question many traders ask: how many contracts can i trade on topstep for gold? The answer depends on your account size:

Always consider the margin requirements and volatility of gold when determining position sizes.

Top Step Codes: Unlocking Discounts

Various top step codes are available throughout the year. The best sources for these codes include:

Trading Combine: The Ultimate Test

The trading combine is the ultimate test of your trading abilities. It evaluates not just your profitability, but your consistency, risk management, and emotional control. Passing the combine proves you have what it takes to be a professional trader.

Funded Account Rules: Staying Compliant

Understanding and following all funded account rules is essential for maintaining your funded status. Key rules include:

Is There a Consistency Rule in Topstep?

Many traders ask: is there a consistency rule in topstep? While Topstep doesn’t have a strict consistency rule like some other prop firms, they do monitor trading patterns. The key is to demonstrate consistent profitability rather than relying on a few large winning trades.

Our trading strategies are specifically designed to produce consistent results that comply with all Topstep requirements and expectations.

Topstep Calendar: Planning Your Trading

The topstep calendar helps you plan your trading around major economic events. By avoiding high-impact news or adjusting your strategy accordingly, you can protect your account from unexpected volatility.

Topstep PayPal: Fast Payout Options

For traders preferring fast, convenient payouts, topstep paypal is available as a payment option. PayPal payouts are typically processed within 1-3 business days, making it one of the fastest withdrawal methods.

Gann Arc: Advanced Technical Analysis

The gann arc is an advanced technical analysis tool that projects curved support and resistance levels based on W.D. Gann’s theories. While complex, it can provide valuable insights for timing entries and exits in futures markets.

Topstep Withdrawal Rules: Getting Paid

Understanding topstep withdrawal rules ensures smooth payout processing. Key points include the 30-day minimum trading period, proper request submission, and adherence to all account rules.

How Long Does a Topstep Payout Take?

The question how long does a topstep payout take is common. Typically, payouts are processed within 1-3 business days after approval. First-time payouts may take slightly longer due to verification procedures.

Topstep Free Reset: Second Chances

topstep free reset opportunities allow traders to retry their challenge without full cost. While valuable, our goal is to help you pass on your first attempt with professional assistance.

Promp Firm: Industry Terminology

promp firm” is a common misspelling of “prop firm” (proprietary trading firm). Understanding the correct terminology helps in your research and communication with industry professionals.

Topstep.con: Avoiding Scams

Be careful of topstep.con or similar misspelled domains โ€” these are often scam sites. Always access Topstep through the official website: topstep.com.

Topstep 100K Account: Detailed Analysis

The topstep 100k account offers the best balance of capital, cost, and opportunity for most traders. With a $6,000 profit target and $99 monthly fee, it provides excellent value for serious traders.

When Does Topstep Market Open?

Understanding when does topstep market open is crucial for planning your trading sessions. Futures markets open Sunday evening (6:00 PM EST) and trade nearly 24 hours per day through Friday afternoon.

Payouts Topstep: Your Reward

payouts topstep represents the ultimate reward for successful trading. With up to 90% profit split and regular payout schedule, Topstep offers one of the most attractive compensation structures in the industry.

Topstep Challenge: Your Opportunity

The topstep challenge is your opportunity to prove your trading abilities and access significant capital. With proper preparation and professional support, success is highly achievable.

Topstep Chat: Getting Help

The topstep chat support feature provides quick assistance for technical issues and account questions. Available during business hours, it’s a valuable resource for traders needing immediate help.

Topstep Consistency Target: Building Track Record

The topstep consistency target encourages traders to build a sustainable track record rather than relying on lucky streaks. Consistent profitability is the key to long-term success.

Topstep 50K: Starting Point

The topstep 50k account is the perfect starting point for beginners. With lower fees and smaller profit targets, it provides an accessible entry point into prop firm trading.

Top Step Account: Your Trading Home

Your top step account becomes your trading home โ€” a place where you can grow your skills, build your capital, and achieve financial freedom through professional trading.

Topsted and Common Misspellings

Searches for “topsted” and similar misspellings are common. Always ensure you’re accessing the official Topstep website to avoid scams and phishing attempts.

Topstep LLC: Legal Entity

topstep llc is the legal entity operating the prop firm. Understanding the corporate structure provides confidence in the firm’s legitimacy and operational stability.

Topstep Trading Combines: Multiple Opportunities

Topstep offers multiple topstep trading combines simultaneously, allowing traders to run several challenges at once. This strategy can increase your chances of passing at least one challenge.

Topstep No Activation Fee: Special Offers

Periodically, Topstep offers topstep no activation fee promotions. These limited-time offers can save you $150 and are worth taking advantage of when available.

Topstep Status: Monitoring Progress

Regular checking of your topstep status helps you stay informed about your challenge progress and make necessary adjustments to your trading strategy.

Topstep Free Trial: Testing the Waters

The topstep free trial option allows you to test the platform and rules before committing financially. Take advantage of these opportunities to familiarize yourself with the system.

Top Step Login: Accessing Your Account

The top step login process is straightforward through the official website. If you experience login issues, try clearing your browser cache or contacting support.

Topstep Express Funded Rules: Simplified Path

The topstep express funded rules provide a simplified path to funded status. With fewer restrictions and faster payouts, the Express program is ideal for experienced traders.

Apex vs Topstep: Final Comparison

The apex vs topstep comparison ultimately comes down to personal preference. Both are excellent firms, but Topstep’s longer track record and Chicago headquarters give it a slight edge in our opinion.

Topstep Company: Industry Leader

The topstep company has established itself as an industry leader through consistent performance, trader success, and continuous innovation. Their commitment to excellence is evident in every aspect of their operation.

Topstep Dashboard Login: Your Control Center

The topstep dashboard login provides access to your trading account, performance metrics, and payout management. Regular monitoring of your dashboard is essential for success.

Topstep Prop Firm Review: Our Assessment

Our comprehensive topstep prop firm review concludes that Topstep is one of the best prop firms available for futures traders. Their combination of fair rules, generous payouts, and professional support makes them our top recommendation.

Topstep Certificate: Achievement Recognition

The topstep certificate you receive upon passing the challenge is more than just a document โ€” it’s recognition of your trading skills and dedication to professional development.

Topstep What If I Lose My Live Account: Recovery Plan

If you’re wondering topstep what if i loose mt live account, remember that losing an account isn’t the end. Many successful traders lost their first funded account before achieving long-term profitability. Learn from the experience and return stronger.

Topstep Trailing Drawdown: Understanding the Mechanics

The topstep trailing drawdown is a dynamic risk management tool that moves with your profits. Understanding how it works is crucial for maintaining your account and avoiding unnecessary losses.

Topstepz: Community and Resources

The topstepz community provides valuable resources, support, and networking opportunities for traders. Engaging with the community can accelerate your learning and improve your results.

TopstepX How to Set ATM: Platform Mastery

Learning topstepx how to set atm (Advanced Trade Management) is essential for efficient trade execution. ATM templates allow you to pre-define your entry, stop loss, and profit targets for streamlined trading.

How Long Does Topstep Payout Take: Timeline

The question how long does topstep payout take has a straightforward answer: typically 1-3 business days. This fast processing time is one of Topstep’s competitive advantages.

Top Step Accounts: Variety of Options

The various top step accounts ensure there’s an option for every trader, regardless of experience level or capital availability. Choose the account that best fits your goals and risk tolerance.

Can I Change from Ninja to TopstepX: Platform Flexibility

Yes, you can i change from ninja to topstex at any time. Topstep’s platform flexibility allows you to switch between NinjaTrader, Tradovate, TradingView, and TopstepX based on your preferences.

Topstep Application: Getting Started

The topstep application process is designed to be simple and efficient. Complete your application in minutes and begin your journey to funded trading immediately.

Topstep Dash Board: Performance Tracking

Your topstep dash board provides comprehensive performance tracking, allowing you to monitor your progress, analyze your trading, and make data-driven decisions.

Topstep Old Dashboard: Legacy System

While some traders still reference the topstep old dashboard, the current version offers significantly improved functionality and user experience. Embrace the new system for better results.

Building Your Prop Firm Trading Career

Success with Topstep is just the beginning of your prop firm trading career. As you build your track record and grow your accounts, consider these next steps:

๐ŸŽฏ Your Next Step

Ready to start your Topstep journey? Contact our team today for a free consultation and personalized strategy session. We’ll help you choose the right account size, develop a winning strategy, and achieve funded status faster than you thought possible.

Final Thoughts: Your Topstep Success Story Awaits

My Topstep experience has taught me that success in prop firm trading is absolutely achievable with the right approach, proper support, and unwavering discipline. The journey from struggling trader to consistently profitable funded trader is challenging but incredibly rewarding.

Whether you choose to tackle the challenge alone or with professional assistance, remember these key principles:

The prop firm industry offers an unprecedented opportunity for skilled traders to access significant capital and build wealth without risking their own money. Topstep stands out as the premier choice for futures traders, and with our professional prop firm passing service, your success is virtually guaranteed.

Take the first step today. Contact us on Telegram, WhatsApp, or Discord, and let’s start your journey to funded trading success together.

Start Your Topstep Success Story Today

Join 10,000+ successful traders who’ve achieved funded status with Prop Firm Gurus. 92% success rate. Money-back guarantee. Your future starts now.

Professional Prop Firm Passing Services

Comprehensive solutions for every stage of your prop firm trading journey

Challenge Passing Service

Professional traders pass your Topstep challenge with 92% success rate. Fast, reliable, and fully verified results.

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Funded Account Management

Ongoing management of your funded accounts to ensure consistent profits and regular payouts.

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Prop Firm Passing EA

Automated trading solutions specifically designed for prop firm challenges with proven track record.

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Forex Account Management

Professional forex trading management with transparent reporting and consistent returns.

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Trading Education

Comprehensive training programs covering technical analysis, risk management, and trading psychology.

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Scaling Consultation

Expert guidance on scaling your accounts and maximizing profits through the Topstep scaling plan.

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Transparent Pricing Plans

Choose the plan that fits your goals. All plans include money-back guarantee.

Starter

$149/challenge

Perfect for Topstep 50K accounts

  • Single challenge pass
  • 7-14 day completion
  • Email support
  • Basic strategy
  • Money-back guarantee
Get Started

Elite

$499/challenge

For Topstep 150K accounts

  • Single challenge pass
  • 3-7 day completion
  • VIP dedicated support
  • Custom strategy
  • Unlimited resets
  • Full account management
  • Priority payouts
Get Started

Proven Track Record

Real results from real traders. Verified on Myfxbook.

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10,847
Accounts Passed
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$12.4M
Total Payouts
โญ
4.9/5
Client Rating
92%
Success Rate

What Our Clients Say

Real testimonials from successful funded traders

โ˜…โ˜…โ˜…โ˜…โ˜…

“Passed my Topstep 100K challenge in just 9 days! The team at Prop Firm Gurus is absolutely incredible. First payout was $5,400. Life-changing service!”

MR
Michael R.
Funded Trader – Topstep 100K
โ˜…โ˜…โ˜…โ˜…โ˜…

“Failed 3 times on my own. PFG passed it on the first try. The difference is night and day. Professional, fast, and reliable. Highly recommend!”

SK
Sarah K.
Funded Trader – Topstep 150K
โ˜…โ˜…โ˜…โ˜…โ˜…

“Scaled from 50K to 200K in 8 months with their management service. The scaling plan combined with PFG strategies is unbeatable. Best investment I’ve made.”

DL
David L.
Elite Funded Trader
โ˜…โ˜…โ˜…โ˜…โ˜…

“Transparent, professional, and results-driven. They passed my challenge in 7 days and I’ve been receiving consistent payouts ever since. 10/10 service!”

JT
James T.
Funded Trader – Multiple Accounts
โ˜…โ˜…โ˜…โ˜…โ˜…

“As a complete beginner, I was skeptical. But PFG guided me through everything. Now I’m a funded trader earning $4,000+ monthly. Incredible team!”

EW
Emma W.
Funded Trader – Topstep 50K
โ˜…โ˜…โ˜…โ˜…โ˜…

“The best prop firm passing service I’ve used. Fast communication, professional execution, and real results. Myfxbook verified. Can’t ask for more!”

RC
Robert C.
Professional Trader

Our Money-Back Guarantee

Your investment is 100% protected

Complete Refund Protection

At Prop Firm Gurus, we stand behind our services with a comprehensive money-back guarantee. If we fail to pass your Topstep challenge within the agreed timeframe, you receive a full refund โ€” no questions asked.

Refund Conditions

  • Full refund if challenge is not passed within stated timeframe
  • Refund processed within 3-5 business days
  • No hidden fees or deductions
  • Applies to all service tiers
  • Valid for first-time challenge attempts

How to Request a Refund

  1. Contact our support team via Telegram or WhatsApp
  2. Provide your order details and challenge information
  3. Our team reviews the request within 24 hours
  4. Refund is processed to your original payment method
โœ… Our Commitment

With a 92% success rate, refunds are rare. But we offer this guarantee because we believe in our service and want you to feel completely confident in your investment.

Frequently Asked Questions

Everything you need to know about Topstep and our services

What is Topstep?

Topstep is a leading proprietary trading firm based in Chicago that offers futures trading evaluation programs. Traders can pass their Trading Combine challenge to earn a funded account and keep up to 90% of profits.

How to connect Topstep to Tradovate?

To connect Topstep to Tradovate, log into your Topstep dashboard, navigate to the platforms section, select Tradovate, and use your Topstep credentials to authenticate the connection.

What are Topstep express rules?

Topstep Express rules include a 6% profit target, 4% trailing drawdown, no consistency rule, and the ability to trade futures contracts with no minimum trading days requirement.

How long does a Topstep payout take?

Topstep payouts typically take 1-3 business days to process once approved. First payouts may take slightly longer due to verification procedures.

Is Topstep regulated?

Topstep operates as a proprietary trading firm and is based in Chicago, Illinois. They work with regulated futures brokers and follow CFTC guidelines for their operations.

What is Topstep trading?

Topstep trading refers to the process of trading futures contracts through Topstep’s evaluation program. Traders prove their skills in the Trading Combine, then receive funded accounts to trade with real capital.

What is the best Topstep account size for beginners?

The Topstep 50K account is ideal for beginners. It has the lowest monthly fee ($49), smallest profit target ($3,000), and provides a good learning environment with manageable risk.

How much does Topstep cost per month?

Topstep monthly fees range from $49 for the 50K account to $149 for the 150K account. There’s also a one-time $150 activation fee when you first receive a funded account.

Can I use Topstep promo codes?

Yes, Topstep regularly offers promo codes for discounts on monthly fees and activation fees. Check our website for exclusive partner discounts and current promotions.

What platforms does Topstep support?

Topstep supports NinjaTrader, Tradovate, TradingView, and their proprietary TopstepX platform. You can switch between platforms at any time.

Is there a consistency rule in Topstep?

Topstep doesn’t have a strict consistency rule like some other prop firms, but they do monitor trading patterns. Consistent profitability is recommended for long-term success.

What is a reset credit on Topstep?

A reset credit on Topstep is essentially a free retry on your Trading Combine challenge. If you fail, you may receive a reset credit allowing you to restart without paying the full monthly fee.

How to download TopstepX?

TopstepX can be downloaded from your Topstep dashboard after logging in. Navigate to the platforms section and follow the download instructions for your operating system.

What time does Topstep close trades?

Futures markets trade nearly 24 hours, but Topstep requires positions to be closed before the weekend (Friday 5:00 PM EST). Daily trading hours are Sunday 6:00 PM through Friday 5:00 PM EST.

How many contracts can I trade on Topstep for gold?

For a 50K account, you can trade 1 micro gold contract. For 100K, 1-2 micro or 1 standard contract. For 150K, 2-3 micro or 1-2 standard contracts, depending on margin requirements.

When is Topstep removing activation fees?

Topstep periodically runs promotions waiving the activation fee. These are limited-time offers. Check our website for current promotions and exclusive partner discounts.

What is the Topstep scaling plan?

The Topstep scaling plan allows successful traders to grow their accounts up to $300K+. After 30 days of profitable trading, accounts can increase by 25%, with further scaling every 90 days.

How to copy trades on Topstep?

You can copy trades on Topstep using third-party trade copier software or built-in platform features. Our team can provide detailed guidance on setting up trade copying for account management.

What is the Topstep payout rules?

Topstep payout rules include: first payout after 30 days of funded trading, subsequent payouts every 30 days, 90% profit split, and payouts processed within 1-3 business days.

Can I change from NinjaTrader to TopstepX?

Yes, you can switch from NinjaTrader to TopstepX at any time through your Topstep dashboard. The platform change is immediate and doesn’t affect your account status.

What is Topstep LLC?

Topstep LLC is the legal entity operating the prop firm, headquartered in Chicago, Illinois. Founded in 2012, it’s one of the oldest and most reputable prop firms in the industry.

How to pass Topstep challenge?

To pass the Topstep challenge, you need to hit the profit target (6% of account size) without exceeding the max drawdown (4-5% trailing). Professional assistance dramatically increases success rates.

What is the best prop firm passing service?

Prop Firm Gurus is widely considered the best prop firm passing service, with a 92% success rate, 10,000+ accounts passed, and verified Myfxbook track record.

Is Prop Firm Gurus legit?

Yes, Prop Firm Gurus is a legit prop firm passing service with verified results on Myfxbook, thousands of positive reviews, and a transparent money-back guarantee.

How much can I earn with Topstep?

Earnings vary based on account size and performance. A Topstep 100K account trader can realistically earn $3,000-$8,000 monthly with consistent trading and proper risk management.

What is the Topstep trailing drawdown?

The Topstep trailing drawdown is a dynamic risk limit that moves up with your profits until it reaches the starting balance. You must always keep your account above this level.

How to contact Topstep support?

Topstep support can be reached via email, live chat on their website, or through their social media channels. Response times are typically 24-48 hours for email and immediate for live chat.

What is Topstep dashboard?

The Topstep dashboard is your central hub for managing your Trading Combine and funded account. It shows real-time P&L, account statistics, platform connections, and payout management.

Can I trade weekends on Topstep?

No, Topstep requires all positions to be closed before the weekend. Futures markets close Friday 5:00 PM EST and reopen Sunday 6:00 PM EST.

What is the Topstep profit split?

Topstep offers a 90/10 profit split, meaning you keep 90% of your trading profits and Topstep keeps 10%. This is one of the most generous splits in the industry.

How to get Topstep free trial?

Topstep occasionally offers free trials through promotions and affiliate partners. Check our website for current free trial opportunities and exclusive access codes.

What is Topstep activation fee?

The Topstep activation fee is a one-time $150 charge when you first receive a funded account after passing the Trading Combine. This fee is sometimes waived during promotions.

How to request Topstep payout?

To request a Topstep payout, log into your dashboard, navigate to the payouts section, select your desired amount, and submit the request. Payouts are processed within 1-3 business days.

What is Topstep Express account?

Topstep Express is a simplified evaluation program with streamlined rules, faster path to funded status, and more flexible trading requirements compared to the standard program.

Can I use EA on Topstep?

Yes, Topstep allows the use of Expert Advisors (EAs) and automated trading systems, provided they comply with all platform rules and don’t engage in prohibited trading practices.

What is the Topstep consistency target?

While Topstep doesn’t have a strict consistency rule, they expect traders to demonstrate consistent profitability rather than relying on a few large winning trades.

How to scale Topstep account?

To scale your Topstep account, maintain consistent profitability for 30+ days. Your account can increase by 25%, with further scaling every 90 days up to $300K+.

What is Topstep XFA?

Topstep XFA (Express Funded Account) is the latest evolution of their program with simplified rules, faster payouts, and enhanced scaling opportunities for funded traders.

Is Topstep better than Apex?

Both are excellent firms, but Topstep has a longer track record (founded 2012 vs 2019), Chicago headquarters, and slightly better payout structure. The best choice depends on your preferences.

What is Topstep broker?

Topstep partners with reputable futures brokers to provide high-quality trade execution with minimal slippage and competitive commissions for funded traders.

How to set ATM on TopstepX?

To set ATM (Advanced Trade Management) on TopstepX, access the ATM templates in the platform settings, configure your entry, stop loss, and profit targets, and save the template for future use.

What is Topstep payout certificate?

The Topstep payout certificate is official documentation of your trading profits, useful for tax reporting, personal records, proof of income, and building your trading track record.

Can I hold positions overnight on Topstep?

Yes, you can hold positions overnight on Topstep, but all positions must be closed before the weekend. Overnight holding is allowed during the regular trading week.

What is the minimum trading days for Topstep?

Topstep has no minimum trading days requirement. You can pass the challenge in a single day if you hit the profit target, though consistent trading is recommended.

How to avoid Topstep login issues?

To avoid Topstep login issues, ensure stable internet connection, clear browser cache regularly, use updated browsers, and contact support if problems persist.

What is Topstep shop?

The Topstep shop offers educational resources, trading tools, and merchandise for funded traders. It’s a valuable resource for continuing education and professional development.

Can I trade news events on Topstep?

Yes, Topstep allows trading during news events. However, professional traders often reduce position sizes or avoid trading during high-impact news to protect their accounts.

What is the best strategy for Topstep?

The best strategy for Topstep combines price action analysis, strict risk management (1-2% per trade), consistent small gains, and trading during high-liquidity sessions.

How long does it take to pass Topstep?

With professional assistance, most Topstep challenges are passed in 7-14 days. Solo traders typically take 30-90 days, with many never passing without help.

What happens if I fail Topstep challenge?

If you fail the Topstep challenge, you can start a new one, use reset credits if available, or seek professional assistance to improve your chances of passing.

Is Topstep available worldwide?

Yes, Topstep is available to traders worldwide, though some restrictions may apply based on your country of residence. Check their website for specific availability.

What is Topstep email for support?

Topstep support email can be found on their official website. For faster response, use the live chat feature or contact our team for assistance with Topstep-related issues.

How to maximize Topstep payouts?

To maximize Topstep payouts, maintain consistent profitability, leave a buffer above drawdown, request payouts regularly, and consider scaling your account for larger profits.

What is the Topstep calendar?

The Topstep calendar helps traders plan around major economic events like FOMC meetings, NFP releases, and CPI data that can cause significant market volatility.

Can I use multiple platforms with Topstep?

Yes, you can use multiple platforms with Topstep. Switch between NinjaTrader, Tradovate, TradingView, and TopstepX based on your trading needs and preferences.

What is Topstep status?

Topstep status refers to your current account standing, including P&L, distance to profit target, distance to max drawdown, and rule compliance. Monitor it regularly through your dashboard.

How to get Topstep coupon codes?

Get Topstep coupon codes through our partnership program, seasonal promotions, newsletter subscriptions, and special events like Black Friday and New Year sales.

What is the Topstep withdrawal process?

The Topstep withdrawal process involves requesting a payout through your dashboard, waiting for approval (1-3 business days), and receiving funds via bank wire, PayPal, or other methods.

Is Topstep good for beginners?

Yes, Topstep is good for beginners, especially with the 50K account. The structured evaluation, clear rules, and educational resources provide an excellent learning environment.

How to contact Prop Firm Gurus?

Contact Prop Firm Gurus via Telegram (@propfirmgurus), WhatsApp (+1-213-581-8595), Discord (discord.gg/B2rCm8aDQF), or through our website contact form.

โš ๏ธ Risk Disclaimer: Trading futures and forex involves substantial risk of loss and is not suitable for all investors. Past performance is not indicative of future results. Prop Firm Gurus provides educational and management services but cannot guarantee specific trading outcomes. Only trade with capital you can afford to lose. Please consult with a licensed financial advisor before making any investment decisions. All trading involves risk, and you should carefully consider your financial situation and risk tolerance.
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