Finding Balance While Planning for the Future

  Finding balance while planning for the future, whether that be retirement or shorter term goals, is a conversation I frequently have with individuals of all ages. For mid-career professionals it often means striking a balance between living an exciting, purpose filled life while simultaneously taking necessary steps to prepare for life in retirement. For […]

Cash Flow Planning for High Earning Professionals

    Everyone’s financial journey, especially as they approach mid-career, is intertwined with major life milestones and a slew of transitions. While everyone’s situations, goals and values are certainly unique, there are a few that drive many of the conversations I have with early and mid career high earning professionals.   Once you reach a […]

Stock Option Basics For Startup Employees

Joining a startup is an exciting endeavor. It’s fun, hectic, frustrating and provides an opportunity to learn and gain skills that aren’t as easy to come by in a more corporate environment. The lure of a startup often comes in the form of company stock options, which offer the potential to provide the recipient with […]

Financial Planning for Sales Professionals

    Financial planning for sales professionals takes more creativity and flexibility than for individuals or families that receive a set income. Sales professionals have the added complexity and stress of managing both your sales goals and fluctuating personal financial situations. Finding time to deal with personal finances in the midst of prospecting, closing deals, […]

Why Financial Planning is More than “Saving For Retirement”

      Saving more for retirement is good advice, but financial planning for early to mid career professionals goes way beyond that. When most people hear “financial planner” or “financial advisor” retirement planning immediately comes to mind and for good reason. The industry has largely focused on pre-retirees and retirees because of the “Assets […]

Understanding the Capital Gains Tax

    Capital Gains Tax: The Inner Workings   Most investors are aware of or have dealt with the capital gains tax, but lack a firm understanding of how they impact your overall taxes. For starters, long term capital gains are tiered and fall into one of three brackets:   0%  15%  20%    In […]

Traditional vs. Roth 401(k) – Optimizing Retirement Account Contributions

            The old 401(k) is one of the most frequently offered and utilized employee benefits. You’ve no doubt heard the term and have contributed or thought about contributing to your employer sponsored 401(k) plan. There has been a shift from defined benefit plans and pensions offered by employers, to defined […]

5 Questions to Ask When Receiving Equity Compensation

5 Questions to Ask About Your Equity Compensation 1. WHAT TYPE OF GRANT(S) DID YOU RECEIVE? It sounds like common sense, but plan documents can be massive and confusing with their investment jargon and legalese. It’s important to work through your plan document to fully understand what type or types of grants you’ve received and […]

Restricted Stock Units – Should You Hold or Sell?

Congratulations, you’re either in a position where your company has granted you Restricted Stock Units (RSUs) or you’ve recently accepted an offer that includes them in your compensation package. Restricted stock units are a terrific benefit. When planned for correctly they can be a major catalyst propelling you towards your financial goals. Creating Your Plan […]