As your wealth grows, so does the complexity of managing it — like upgrading from a yard that usually just needed a quick mow to one that needs seasonal landscaping, targeted irrigation, and routine weed-pulling. The same principle applies to investing. What starts as a simple 401(k) and a few Read more…
Optimal Employee Stock Purchase Plan Strategies for High Earners
If you are a high earner, opting into your company’s employee stock purchase plan (ESPP) can be exciting. You may have dollar signs in your eyes at the thought of an ESPP magically putting extra cash in your pocket. Read more…
Irrevocable Life Insurance Trusts (ILIT): An Estate Planning Secret Weapon?
When it comes to estate planning, most people want two things: to keep as much of their wealth as possible in the family and to avoid paying Uncle Sam more than necessary. Read more…
How Much Are You Really Paying for Your Investments?
"How much does it cost you to invest?” Most people default to considering the money you’ve saved and invested but not necessarily the cost of the investment itself. Read more…
Legacy Planning for High-Income Earners: Building and Protecting Generational Wealth
For high-income earners, wealth accumulation is just one part of the equation you should focus on. There is so much that goes into strategic planning to achieve proper and successful legacy planning. Accumulating, preserving, and transferring your wealth efficiently to future generations are all Read more…
Understanding Average or Annual Return vs. Real Return From Investments
It’s easy to look at an investment’s average rate of return and assume that your return on investment will be close to that number year after year. Read more…
Where Should I Save Cash? HYSA, Treasury Bills, or Certificates of Deposits?
After the Financial Crisis of 2008, the Federal Reserve slashed the federal funds rate to historic and near-historic lows that lasted for more than a decade. Read more…
Know Your (Stock) Options: Understanding ISOs and NSOs
Companies use stock options as a form of equity compensation to supplement employees’ salaries — and if you’ve been awarded options, you’re essentially being given a chance to take an ownership stake in the company you work for. Stock options are not only an acknowledgement of the contributions you Read more…
A Critical Look at Annuities: Are They Right for A High Earner?
Annuities are often marketed as a safe and reliable way to secure income for retirement. However, while they can be useful in certain situations, they are not a one-size-fits-all solution. Plenty of annuity products are highly illiquid, costly, and inappropriate for many investors. Read more…
Special Needs Trusts: Protecting Family Interests and Securing the Future
For families with a loved one who has a disability, financial planning extends beyond traditional estate planning. A Special Needs Trust (SNT) is a crucial legal tool that ensures financial support for the beneficiary, while preserving their eligibility for government benefits such as Supplemental Read more…
