I’m writing this post nearly two years to the day that we published the first of many articles on the COVID outbreak and its impacts on the markets and the global economy. In February of 2020, the world was waking up to the battle against a virus that lay ahead of it. Sadly now, just two years later, the world... Read More
In this post, we cover three ways you can reduce the risk you have in your deferred compensation plan (DCP) for those that have a substantial portion of their net worth tied up in deferred compensation. 409(a) Nonqualified Deferred Compensation plans present a fantastic way to defer taxes and build net worth. But, after many years contributing to the program... Read More
In this post, we’ll outline everything you need to know about diversifying a concentrated stock position. We’ll cover what is too concentrated, the benefits of portfolio diversification (and the drawbacks), plus provide some tips on managing taxes. In our conversations with Tech professionals, we’ve learned that most know they should diversify their portfolio. But they don’t know how to start.... Read More
**UPDATE: We are aware that Intel has changed course and will NOT be changing its minimum pension calculation. We will update this blog post as more information is available.** Today we are going to tell you everything you need to know about the upcoming 2021 changes to the Intel Minimum Pension Plan (MPP). We are also sharing free resources and... Read More
Ideally, with each paycheck or bonus paid we would have all the cash flow we need to support regular cash-flow needs, achieve our larger financial objectives and optimize deferrals to tax-advantaged accounts and other tax savings opportunities. However, money is a resource, and like most resources it’s limited. We are forced to prioritize where we spend, the objectives we further,... Read More
While preparing to write my first blog, I was reminded of my time in college and how I would hope a lecture would be done earlier than the time allotted and not go over time. With that in mind, I want to keep the blog post concise but still provide you with all the necessary information on the subject. That... Read More
Every year, we get a lot of questions about Medicare open enrollment and who is eligible to make changes to their coverage. Below is a guide to help you navigate some of the questions we are frequently asked. When is Medicare open enrollment for 2021 coverage? The open enrollment period, or Annual Enrollment Period (AEP), runs from October 15 through... Read More
This post is part two of ‘How Much Company Stock Should I Hold?’ In this article, we dive deeper into two areas: If you hold company stock, what form of equity compensation is the best to own, and How to maintain your desired allocation over time What Type of Company Stock Should I Hold? Let’s assume that you wish to... Read More
How did the market do today? Whether it’s NPR, the Wall Street Journal or small talk with your neighbor, most conversations about the stock market and economy inevitably reference either the Dow, NASDAQ or S&P 500. But are they appropriate measurements? What do they actually track? And most importantly, are they appropriate measure of performance? The investment benchmark industry is... Read More
This year has been a painful reminder to always plan for the unexpected. As it relates to personal finances, one could use this lesson to revisit the riskiness of their investments (i.e. stock vs bonds), the amount of cash set aside for emergencies or tweak the monthly spending to remove unnecessary costs. While all of these are worthy examinations, this... Read More
