Hot Topic: Do You Have Enough Life Insurance?
Ahhh, life insurance. One of those “fun” topics that’s such a mystery to most people that they have no idea if their current policy (if they have one) is enough. A company-sponsored $100,000 policy might be okay for a single person with no dependants. But—once you start adding in a spouse, children, mortgage payments, and […]
2022’s Bear Market, Inflation, & Rising Interest Rates: 5 Things to Do Now
It’s the trifecta of doom for personal finance, and all three happening right now: Bert Whitehead, author of “Why Smart People Do Stupid Things With Money,” has had a massive influence on how Jackie and I approach helping our clients. When he’d talk about emergency funds, he’d mention what he called a “triple threat” to […]
What are the Best Investments to Pair with Employee Stock Options?
Anytime we have a client with stock options and an IPO in the future (which is often), we build their financial plan around five key areas: Career Stock Options Taxes Cash Flow Investments You’ll notice that stock options are #2 and investments are #5… Yet so many of our clients want to jump the gun […]
Groceries and Inflation: What to Do?
At the time of writing, food prices have been going up for 12 straight months. ???? An entire year of getting sticker shock every time you hit the cash register with your weekly cooking essentials. Not fun. And honestly, I wish I could tell you it’ll end soon, but I’m not in the position to […]
Want to start a side hustle? 5 things to cover yourself legally & financially
Everyone loves the idea of a little extra cash on the side… ???? And with the demand for talent at an all-time high, it presents the perfect opportunity for smart employees (like you) to get some work done alongside your full-time job, and add a little extra breathing room to your monthly finances. While I’m […]
Remote Work, State Taxation, & Advancing Your Financial Goals
For many of us, it’s hard to remember what the morning commute felt like. It’s been over two years now, and we’ve forever ditched the drive/walk/ride into work in favor of sleeping a little later, and sitting at the kitchen table in pajamas to check our first emails. To say the least, Covid has changed […]
What is SMA Investing?
In the past, SMA investing (separately managed accounts) was only available to the already-wealthy. If you wanted a separately managed account in previous decades, you might have to scrape up tens of millions of dollars just to get one established… …And, needless to say, that’s just not possible for your average tech worker… even the […]
The Stock Market & Ukraine Invasion: How It’s Affecting Investments
Let’s be clear: The geo-political possibilities that could happen as a result of Russia invading Ukraine are horrifying, and the human price in lives lost and suffering is unbelievable. Over two million Ukrainians have already fled their own country, including one million children. On the other side of the conflict, the financial impacts the […]
Using Employee Benefits to Save Money & Build Wealth
When most people think of “employee benefits” these days, they think of easier-to-afford health insurance, a 401(k), and stop there. And while those are incredible benefits, they’re far from where most employee benefit programs end… They’re also not the only employee benefits to save money that exist to help you build wealth over the long […]