Long Term Investment Decisions as a Mid-Career Professional

          Early and mid-career professionals display a unique set of characteristics and circumstances that should be the primary drivers behind determining their savings and investment plan. Understanding where you are in terms of your life cycle, career cycle and total capital can help you put together the framework necessary to determine […]

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 […]

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 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 contribution plans (such as […]

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 […]

Restricted Stock Units (RSUs – if you want to sound cool around your friends)

Restricted stock units have become a common employee benefit, especially in the tech and startup industries. Let’s face it, you’re awesome and competition amongst firms for talented employees has made retention a top priority. RSUs are a way for employees to earn additional compensation in the form of company equity. They are typically tied to both […]