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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What Happens to Stock Options in a SPAC Merger?
Although the most common way for a company to go public is through the traditional initial public offering (IPO) process, it’s not the only method.
Restricted Stock Units: Taxes, Vesting and Key RSU Facts
Executive Summary: What Are RSUs and How Are They Taxed? Restricted stock units (RSUs) are stock grants from an employer that give employees shares of
Asset Management vs Wealth Management: What’s the Difference?
Asset Management vs Wealth Management Comparison What’s the difference between asset management and wealth management? Essentially, investment management is just one component of holistic wealth
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 a Large Windfall: What to Do With a Windfall
3 Key Steps to Managing a Financial Windfall Whether the windfall was expected — perhaps from the sale of a business or an upcoming stock
How Stock Options Are Taxed: ISO vs NSO
How stock options are taxed depends on the type of options you have and your sale and exercise strategy. However, the general rules can change
Why Non-Deductible IRA Contributions Aren’t Worth It
What is a non-deductible IRA contribution? An IRA contribution will become non-deductible because of the income cap on tax-deductible IRA contributions if they have a
7 Ways to Manage Concentrated Stock Positions
Key Summary: Learn how to effectively manage concentrated stock positions and why it matters for your financial strategy. A concentrated stock position exposes you to
Selling Shares When the IPO Lockup Ends
Selling Company Stock and Options After the IPO Lockup Period An IPO lockup period is the window, typically 180 days after a company goes public,
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
If Your Company is Going Public, Here’s What to Expect Whether you work for a private company about to IPO or one that’s recently gone
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 Anthropic, OpenAI, and others set to go public soon, we’re getting
How to Donate Stock to Charity: Donor-Advised Funds
Donating appreciated stocks to charity can be a great way to maximize your tax benefits and charitable goals. When you donate cash or write a