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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2026 IRS Contribution Limits For IRAs, 401(k)s & Tax Brackets
The IRS released the 2026 401(k), 403(b), and SEP IRA contribution limits. There are changes to nearly all the contribution and income limits, including new
10b5-1 Trading Plans: Sales Strategies for Insiders
Rule 10b5-1 allows insiders to create pre-arranged trading plans as a way to remain compliant when managing their stock compensation. When structured properly, a 10b5-1
Options and Rules When Inheriting an IRA From a Parent
What to do after inheriting an IRA from a parent If you’ve inherited an IRA from a parent, you may be wondering what your options
Should You Take a Pension or a Lump Sum?
Should You Take a Pension or a Lump Sum? Deciding between a lump sum or receiving pension benefits monthly requires careful planning and consideration. Though
Major Tax Changes: The 2025 One Big Beautiful Bill (OBBB)
The “One Big Beautiful Bill Act” (OBBB Act), signed into law by President Trump on July 4, 2025, represents a massive overhaul of federal tax
Restricted Stock Awards: Guide to Your Grant
A restricted stock award (RSA) is a form of equity compensation. RSA grants are commonly issued by private companies, particularly early-stage startups, and may be
Inheriting an IRA from Your Spouse
Losing a spouse is a difficult time, and navigating the complexities of inherited assets can feel overwhelming. If your spouse named you as the sole
Should I Put My House in a Trust?
Why own a home in a revocable trust? There is one main reason to consider putting a house in trust: to avoid probate court. Although
83(b) Election for Stock Options and Restricted Stock
An 83(b) election lets founders and early employees buy unvested stock and recognize the taxable gain now (if any), instead of when the shares vest.
When is the Best Time for a Roth Conversion?
Is there an optimal time to convert a traditional IRA or old 401(k) to a Roth IRA? While a Roth conversion may never make sense
What Happens to Your Stock Options When You Quit or Leave the Company?
What happens to employee stock options or equity compensation if you leave the company? Before giving notice, understand how vested and unvested stock options and
Are You Holding Too Much Cash?
You may want to think twice before taking the old saying cash is king too literally. Keeping cash is important, but it’s no way to build
Stocks vs. Bonds: Historical Returns, Risk, and the Case for Both
Stocks and bonds differ in many aspects, including the risk and return investors can expect. Because of these differences, stocks and bonds accomplish different things
What Is An Early Exercise of Stock Options?
Exercising stock options means buying shares. Early exercising stock options means buying the stock before it vests. When should you exercise an option early? In
Stress Test Your Retirement Income Plan
Don’t stress out about every headline, stress test your retirement plan with a Monte Carlo analysis instead. Stress testing a retirement plan using a Monte
How to Find a Fee-Only Financial Advisor
Finding the Right Fee-Only Financial Planner If you’re looking for a fee-only financial advisor or wealth manager, it’s probably because you know fee-only advisors don’t
Can You Live Off Dividends In Retirement?
The idea of living off dividends in retirement sounds nice, but investors often don’t realize how much money they’ll need invested to generate enough income
Exercising Stock Options
What does it mean to exercise stock options and when is the best time to exercise options? With stock options, employees have the right (not