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What is a Fee-Only Financial Advisor?
What is a Fee-Only Financial Advisor? A fee-only financial advisor is paid exclusively by their clients — typically as a percentage of assets under management
Should You Pay Off Your Mortgage Early or Invest Extra Cash?
The idea of living without a mortgage payment sounds enticing. On the surface, it may also seem like a no-brainer financially…paying off debts is typically
SEP IRA for the Self-Employed: Retirement Planning for Business Owners
Key Details on SEP IRAs The SEP IRA is a type of retirement plan for self-employed business owners (sole proprietors, partnerships, C and S corporations).
Solo 401(k): Self-Employed Retirement Plan
The Individual (or Solo) 401(k) plan is similar to a traditional 401(k) plan, but it’s specifically for business owners without employees. Compared to the other
Can You Contribute to Multiple 401(k)s at Once?
Can I contribute to more than one retirement plan? This is a common question for individuals that have more than one job or run their
Managing Sudden Wealth: What to Do With a Windfall
3 Key Steps to Managing a Financial Windfall Understand the tax treatment and planning opportunities before acting Robust financial planning after a liquidity event includes
How Stock Options Are Taxed: ISO vs NSO
Tax Implications Of Exercising And Selling Stock Options If you have stock options as a large part of your income, taxes are especially important. There
Why Non-Deductible IRA Contributions Aren’t Worth It
Investors often ask: should I be making nondeductible IRA contributions? In the majority of cases the answer is no. Why non-deductible? Because many taxpayers earn
7 Ways to Manage Concentrated Stock Positions
What is a Concentrated Stock Position? If one stock makes up more than 10% of your overall asset allocation, it’s probably too much. A diversified
Selling Shares When the Lockup Ends: Managing Equity and Liquidity Post-IPO
Selling Stock When Your IPO Lockup Expires If you have stock or options at a private company that’s going public, you need a plan for
Are Bonds Safe During a Recession or Market Crash?
What happens to bonds in a recession or market crash? Historically, bonds have offered stability in volatile markets. Although past performance is not indicative of
What Does an IPO Mean for Stock Options? What Happens to Employees When a Company Goes Public
Whether you work for a private company about to IPO or one that’s recently gone public, you may wonder what that means for employees and
ISO Taxes: How AMT and AMT Credits Work + Avoiding AMT on ISO Exercises
If you have incentive stock options, you’ve probably heard of the alternative minimum tax (AMT). Essentially, the alternative minimum tax is a prepayment of taxes.
Should You Exercise Stock Options Before An IPO?
Is exercising stock options right before a company goes public a good idea? With SpaceX, OpenAI, Anthropic, and others set to go public in 2026,
Qualified Small Business Stock: QSBS Tax Exemption for Startup Shares
Key takeaway: If you have qualified small business stock you can exclude up to 100% of the capital gain from federal taxes. In most cases,
How to Donate Stock to Charity: Donor-Advised Funds
Updated for 2026. Donating appreciated stocks to charity can be a great way to maximize your tax benefits and charitable goals. When you donate cash
How Your Brokerage Account is Taxed
What is a brokerage account and why should I open one? How is a brokerage account taxed? Brokerage accounts (also called non-qualified accounts) are taxed
What You Need to Know About Capital Gains Tax
What is capital gains tax? When you sell an asset like a stock or a home, your gain could be taxable. The tax rate will