Financial Fundamentals: Tax Planning for W-2 Earners
Less than 10% of Americans own businesses. This means most Americans receive pay as wages or bonuses and every year receive a tax form W-2 from their employer. This is the simplest way to earn a living in the US, but also offers fewer tax advantages compared to...
A.I. Did Not Write This
Phenomenon comes and goes. In hindsight, we see everything so clearly. Looking ahead, we establish such absolute statements of truth as if we had the omniscience of the almighty Himself. In life, relationships, athletics, business, we fall into this cycle over and...
Steadfast in the Meantime
I often find myself wishing time away. Some days I am tired and find myself looking into the future as if there is an answer waiting for me there that will change the present. I have had bad days, some tough months, and an unbearable year or two in my life and in...
Chasing Fads When Investing
When investing for the future, one of the most detrimental behaviors we can fall into is chasing fads. Gold, bitcoin, meme stocks, jpegs of apes, semiconductors, geographic plays, penny stocks, online options trading, the list goes on and on? "In the long run,...
The Gift of Mistakes
We often hear how we can learn from our mistakes. While this is true, is it possible to share this gift with others? We live in an Instagram society. You get the highlight reels of every person you’ve ever met since high school. We get to watch the lives of...
Your Guide to a Scary Market
If you have been investing for over a week, you have experienced a large market sell off. A sell off is just investor speak for a sharp and sudden decline. What most people see is just a red number when they login to view their investment portfolios which causes angst...
You Don’t Understand Risk
Often I hear from clients and potential clients, “I’m worried the stock market will go down.” “Don’t stocks have a lot of risks?” “Can’t we lose all of our money in stocks?” Most of this is gleaned from the news media which actually contains much information while...
Financial Fundamentals: Restricted Stock Units
One of the most common forms of stock compensation is the Restricted Stock Unit (RSU). This is a way for employers to reward employees and to have that reward tied to the performance of the company stock. It also incentivizes employees to stay at the company because...
Don’t Pack Your Calendar
How common is it to ask a friend or colleague, “how are you?” and then to hear the response, “So busy!” To which we don’t really know how to respond. One school of thought will lead you to think that the busyness is a badge of honor, so we say, “good for...
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