Wealth Management Insights
Financial planning and investing insights from Kristin McKenna, CFP®. Resources from a sudden wealth advisor to start planning for your liquidity event, equity in an IPO, business sale, or inheritance.
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2027 IRS Contribution Limits For IRAs, 401(k)s & Tax Brackets
2027 IRS Contribution Limits, Tax Brackets and Key Thresholds 2027 retirement plan and IRA contribution limits, income and capital gains tax brackets, AMT exemptions, Roth
Returns of Stocks and Bonds Before, During, and After Interest Rate Hikes (Charts)
The Federal Reserve is raising interest rates again (via the target Federal Funds rate). Rising interest rates affect the stock and bond market in different
Qualified Small Business Stock: QSBS Exemption, 1202 Rules, Limits and Requirements
Summary: Qualified small business stock (QSBS) is stock in a domestic C corporation that meets the requirements of Section 1202 of the tax code. If
Should I Accept a Tender Offer For My Stock?
Summary: how an employee tender offer works and when to consider selling shares Accepting a tender offer means the company buys back some of your
Massachusetts ‘Millionaires’ Tax Applies to Sudden Wealth Events
What is the Massachusetts millionaires tax? Since 2023, Massachusetts applies a 4% surtax is applied to taxable income and capital gains over $1M (since indexed
Should I Sell My Business? Find Your Number First
Thinking about selling your business? Before you weigh any offer, figure out what you spend, what you’d keep after taxes and deal terms, and whether it’s enough.
Sudden Wealth Syndrome and the Dos and Don’ts of Sudden Wealth
What is Sudden Wealth Syndrome? Sudden wealth syndrome (SWS) describes the emotional stress, anxiety, guilt, or decision paralysis that some people experience after receiving a
Oura IPO: Equity, Tax, and Liquidity Planning
UPDATE: Oura delayed its IPO on September 29th, 2026. Oura publicly filed its S-1 with the SEC on September 3, 2026. Oura employees should prepare
Anthropic IPO Planning: Tax & Liquidity Strategy for RSUs & Options
What to Expect When Anthropic Goes Public Employees with RSUs and stock options need to start making a plan for their equity – fast. Because
RSU vs Stock Options: Taxes, Risk, Upside, and Which is Better
Summary: RSU vs Stock Options Restricted stock units (RSUs) and stock options are very different forms of equity compensation. RSUs are awarded, whereas employees must
What is a Step Up in Basis? Taxing Inherited Assets
What is a stepped up basis? A step-up in basis offers a significant tax advantage to individuals inheriting stocks, ETFs, mutual funds, homes, and other
What Happens to Your 401(k) When You Quit? Your 5 Options Explained
If you quit, odds are nothing will happen to your 401(k) unless you initiate it. If you’ve switched jobs and haven’t taken your old 401(k)
What to Do in the First 90 Days After a Liquidity Event: Planning Checklist
The first 90 days after a liquidity event are the most important to set the right foundation and preserve your optionality. The priority isn’t making
How Do Employee Stock Options Work? Company Stock Compensation Guide
A company’s equity compensation plan can include two types of stock options: incentive stock options (ISOs) and non-qualified stock options (NSOs). There are other forms
Where to Save After Maxing Out Your 401(k)
Where should you put extra cash after maxing out your 401(k)? If you’re looking for ways to invest after your 401(k) or 403(b) at work,
SpaceX IPO: Employee Lockup Release Dates
SpaceX employee lockup rules and key dates for liquidity.
What is the 4% Rule in Retirement? Risks and Realities
What is the 4% Rule in Retirement? The premise of the 4% rule is simple: retirees can withdraw 4% of their starting retirement portfolio annually,
How Much Do I Need to Retire Comfortably At 60?
How much money do you need to retire at 60? That depends entirely on how much you plan to spend in retirement. Absent a large