Articles and resources on equity compensation, tax planning, investing, retirement income, estate planning, and insurance.
Articles
Retirement Income PlanningInvesting
Even the Man Who Invented the 4% Rule Doesn't Use It Anymore
A look at where the 4% withdrawal rule came from, why even its creator uses a different number today, and why timing and flexibility matter more than one fixed percentage.
Trump Accounts: A $1,000 Head Start (With Some Fine Print)
An overview of the new Trump Account, including who qualifies for the $1,000 federal deposit, contribution limits, investment restrictions, and how it compares to a 529 or custodial Roth IRA.
How the net unrealized appreciation rule can shift the tax treatment of employer stock in an old 401(k), and the specific conditions that have to line up for it to apply.
A three-step framework for turning variable or commission-based income into a predictable monthly budget, including how to handle commissions that may be subject to clawback.
An overview of required minimum distribution rules, including starting ages, how the annual amount is calculated, and approaches some retirees use to manage the tax impact.
An explanation of direct indexing, how tax loss harvesting works at the individual stock level, and the type of investor and account this strategy tends to suit.
An overview of how employee stock purchase plans work, including enrollment periods, purchase mechanics, and the tax treatment of qualifying and disqualifying dispositions.
An overview of the net unrealized appreciation strategy for company stock held in a 401(k), including how it works and a hypothetical example comparing it to a standard IRA rollover.