"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…
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…
How to Use Grantor Retained Annuity Trusts (GRATs) to Transfer Wealth to Beneficiaries Tax-Free
One of our most important responsibilities is helping clients achieve financial independence. We love when we can tell them they have enough money to do whatever they want for the rest of their lives. But that milestone is hardly the end of the wealth management process. The next question we like Read more…
What Your Financial Advisor Should Be Asking You: Key Questions to Listen For
When you’re choosing a financial advisor, there’s no shortage of advice about the questions you should ask—about their compensation model, their investment philosophy, and what differentiates them from their competition. Read more…
How CEFEX Certification Helps Investors Evaluate Fiduciary Advisors
" \n" Many financial advisors describe themselves as fiduciaries. The term appears frequently on websites, in marketing materials, and during introductory meetings with prospective clients. Read more…
