Embarking on the journey of homeownership is an exciting step in life, but it's essential to acknowledge the misconceptions that can cloud our judgment. There are numerous prevalent myths surrounding home ownership. Many may draw at your emotions, rather than relying on financial science.
Read MoreThe latter half of this year is poised to witness a flurry of highly anticipated Initial Public Offerings (IPOs) from tech giants like Instacart, Stripe, Reddit, Databricks, and Discord. For employees of these companies with equity holdings, it is crucial to approach these IPOs with a well-informed financial planning perspective.
Read MoreHere’s the good news: Stocks have delivered rewarding returns in the long run, even after adjusting for inflation.
Read MoreIncentive stock options (ISOs) are high risk, high reward opportunities, which often leads to high stress. Exercising early can be incredibly risky as it’s possible that you exercise before the stock falls in value. On the other hand, you can potentially save big on taxes if you exercise early, the stock soars, and you divest at the right time. Stock options are just one more consideration that leads to anxiety for startup founders and employees.
Read MoreWhile it is true that all hegemonies and global reserve currencies eventually fade, the fears surrounding the U.S. dollar are overblown. The U.S. dollar is still dominant with no realistic challengers, and it’s still incredibly safe to invest in U.S. companies.
Read MoreGoing public should not be the goal for every successful startup and small business. Founders need to plan for a variety of alternative liquidity and profitability options to maximize payouts and even lifestyle.
Read MoreSince 1926, the US stock market has rewarded investors with an annualized return of about 10%. But returns in any given year may be sky-high, extremely poor, or somewhere in between.
Read MoreTeaching your children about financial responsibility is one of the most important gifts they can receive. While it can not only set them up to become financially independent, it also teaches them important life values such as self-discipline, strong work ethic, and delayed gratification
Read MoreFounders and early employees of companies are often granted equity that can meet the rules for Qualified Small Business Stock (QSBS). QSBS treatment can provide significant tax benefits by excluding or reducing capital gains taxes when the stock is sold.
Read MoreWhile we all want to maximize returns, this can only be done by through high risk investments. This may be an appropriate strategy for some, but most of us cannot afford to put our assets at risk in order to maximize returns at all costs. Furthermore, Investing solely for maximum returns can lead to overlooking important factors such as diversification, financial goals, fees, taxes, and even your mental and psychical health.
Read MoreCompany stock options sometimes provide a large payoff, however they can also be costly to exercise and end up costing you large sums of money with little return. Below are a few best practices for maximizing the value and limiting the risks of exercising and selling your company stock options.
Read MoreDiversifying out of concentrated stock positions is the best move for 95% of employees. We’ve seen many hopes and dreams destroyed by over concentration in a portfolio. Below are some strategies for dealing with company stock.
Read MoreThe market is constantly processing new information, pricing in expectations for companies and the economy. Investors who look beyond after-the-fact headlines and stick to a plan may be better positioned for longterm success.
Read MoreGreat advisors want to do great work for their clients. They stake their business on doing
the right thing—and know that business success will follow.
Read MoreNegotiating your salary can be intimidating but DO NOT let that stop you, and never underestimate the importance of asking for what you deserve.
Read MoreNearly a century of US stock market returns suggests that making investment decisions based on control of the chambers of Congress is unlikely to lead to better investment outcomes.
Read MoreRelatively small increases in salary can compound over the years and lead to hundreds of thousands, if not millions, of dollars in total future income.
Read MoreSoaring inflation rates combined with historically low interest rates make 2022 one of the worst periods in history to pay off a mortgage early, however there are times when it makes sense to pay more than the minimum.
Read MoreThe recent increase in inflation and the subsequent hikes in interest rates by the Federal Reserve (AKA the Fed) have wreaked havoc on markets, and this is proving to be no fun for investors.
Read MoreThe impact of being out of the market for just a short period of time can be profound
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