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Empowering You to Maximize Your Wealth
As part of our complete wealth management approach, we’re committed to helping you understand the intricacies of your finances so you can feel confident you’re making the most sound, tactical decisions.
Our blog is here to provide you with accessible readings and videos on an array of topics, concepts, tools, and strategies that affect your holistic financial plan. We break down everything from how the latest market updates may inform your investment choices to what new legislation and tax policies mean for your assets.
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Understanding Long-Term Care Insurance and Options
As you navigate the path towards a secure and comfortable retirement, it's essential to consider all aspects of your financial future. One crucial aspect that often gets overlooked is the need for long-term care coverage.
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New Retirement Tax Law: SECURE Act 2.0
On Friday, December 23rd Congress approved The Setting Every Community Up For Retirement Act 2.0, also known as The SECURE Act 2.0. On Friday, December 23rd Congress approved The Setting Every Community Up For Retirement Act 2.0, also...
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How employees should think about their stock options
Employee stock options have been a critical part of the tech industry for decades yet are still a black box for most people. In today’s post, we’ll aim to clarify the ins and outs of stock options and how employees should...
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Understanding Charitable Trusts
When it comes to strategic tax planning and management, one of the best ways to mitigate future tax on your investment gains or create tax savings to offset current year tax liability from investment sales or large income realization...
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Is Your Life Insurance an Asset or Liability?
When I think about life insurance, the three words that come to mind are: Misunderstood Mis-sold Mismanaged Life insurance is one of the most misunderstood financial products by consumers. Life insurance is one of the most...
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Taxes on Your Retirement Accounts (401k & IRA): How You Could Face Up to 70% in Taxes
Many people have spent a lifetime saving and accumulating money in tax-deferred retirement savings vehicles like the 401(k), 403(b), 457, IRA, SEP IRA, or TSP Plan (non-Roth retirement accounts). As you make contributions into these...
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Securities Based Lending - Getting a Loan Against Your Stock
Imagine being able to create liquidity by tapping into the value of your securities-based investment account without the need to sell a portion of your portfolio. Not only would this allow you to gain liquidity without disrupting your...
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3 Keys to Optimizing Your Incentive Stock Options (ISOs)
The purpose of incentive stock options (ISOs) are to provide incentives to attract, retain and motivate people whose contributions are important to the success of the company by offering them an opportunity to participate in the...
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Big Tax Law Change Enacted on Your Retirement Accounts
Prior to 2020, when a non-spouse beneficiary inherited a traditional retirement account, that beneficiary was eligible for a planning strategy known as a stretch IRA. A stretch IRA extends the tax-deferred status of an inherited IRA...
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Moving Out of California To Try and Save Taxes
Ever think about changing your residence from California as an income tax savings strategy. With the highest rate of 13.3%, this may seem like a smart plan (particularly in retirement), but fear of being chased by...
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One of The Biggest Risks in Retirement
There are many risks in retirement, but, with today’s market valuation, one of the biggest risks is the potential for a market correction while you are drawing income from your retirement accounts. Academically, this risk is...
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7 Life Events That Should Trigger You to Hire an Advisor
Think back to the last time you experienced a major life event. How did you feel? Was there a sense of uncertainty? Did that uncertainty lead you to question whether you were making the right choices? People often ask me what are the...
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A Tale of Two Decades: Lessons for Long-Term Investors
Comparing market returns across the 2000s and 2010s reinforces the benefits of diversification and pursuing known drivers of higher expected returns. The first decade of the 21st century, and the second one that’s drawing to a...
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The Retirement Gamble - Should I Invest in a Roth or Traditional IRA or 401k
Most people wouldn't consider contributing to their employer sponsored retirement accounts as a gamble, but when you consider the tax attributes, a different story unfolds. As with most things in life, there are trade-offs to investing...
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Maximize Restricted Stock Units (RSUs)
The 3 Restricted Stock Tax Traps and Options to Save on Taxes Today: As part of a company’s compensation philosophy, they may want you to be invested in the value that you are helping to create. Therefore, they may award...
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