If a significant portion of your wealth comes from RSUs, stock options, ESPPs, or other forms of equity compensation, choosing a financial advisor is about more than managing your investment portfolio. Read more…
Should I Invest or Pay Down Debt?
Should I Invest in the Market or Pay Off Debt? Everyone has different circumstances, but there are some common variables to examine, including: Read more…
How Tax Projections Help Make Better Financial Decisions
"We should run a tax projection." You’ll hear that a lot around Plancorp Wealth Management. Read more…
What To Do with Required Minimum Distributions You Don’t Need
There are almost 75 million Baby Boomers—those born between 1946 and 1964—in the U.S. today. Approximately 10,000 of them retire each day. That's a lot of potential people taking required minimum distributions (RMDs) who may not need them, missing a big opportunity in their financial plan. Read more…
Are Financial Advisor Fees Worth It? How to Evaluate the Value
One of the most common questions high-net-worth investors ask is: Is it really worth paying a wealth manager? Read more…
Tax-Efficient Retirement Withdrawal Strategies: Which Accounts to Tap and When
You’ve spent your career building wealth, making smart investment decisions, and diligently building your retirement savings. Now that it’s time to enjoy the fruits of your labor, the question becomes: Read more…
What Kind of Advisors Help with Equity Compensation?
Restricted Stock Units (RSUs), stock options, employee stock purchase plans (ESPP), and other forms of equity compensation often intersect with taxes, investments, retirement planning, and long-term financial goals. Read more…
What Does a Financial Advisor Actually Do for You Each Month?
Hiring a financial advisor is a meaningful decision. You may be fully capable of managing your investments, paying your bills, and making thoughtful financial decisions on your own. But at some point, your financial life can become complicated enough that you no longer want to carry every detail by Read more…
How RMDs Are Taxed: Smart Strategies for High-Net-Worth Investors
The Short Answer: How are RMDs taxed? RMDs are taxed as ordinary income. Each required withdrawal from a traditional IRA, 401(k), or other tax‑deferred account is added to your taxable income for the year, which can push you into a higher tax bracket and may affect Medicare premiums or Social Read more…
5 Signs Your RSUs Require a Tax Planning Strategy
Most executives understand that Restricted Stock Units create taxable income when they vest. The planning questions often emerge as equity compensation becomes a larger part of an individual's income, net worth, and long-term financial goals. As RSUs accumulate, decisions related to taxes, Read more…
