EXECUTIVE SUMMARY
One way that companies reduce dilution and mitigate the effect of the new IRS expensing rules on their bottom line is to offer employees the choice between stock options and restricted stock as part ...(more)
The tax cuts of the last few years, starting with the big tax cut in 2003, bring both good and bad news for ISO holders. The good news is that by exercising an ISO and holding for at least one-year, the gains over the ...(more)
Without a doubt one of the most vexing investment decisions you will ever make is when to exercise and when to sell your options. And when one considers the “stock option dilemma”, it is no wonder the decision is so ...(more)
Yay! We’re out of debt!
“Cure for an obsession: get another one.”–Mason Cooley
There are few things about which I am obsessive. One of them is toothpaste on the rim of the tube. For whatever reason, if the top ...(more)
There exists a difference of
time planning between
each of the different
levels on the socioeconomic
ladder—how one views today,
this week, this year, this decade
and so on.
At the very bottom of ...(more)
Decades ago, there was a popular book entitled What They Don’t Teach You at Harvard Business School. Perhaps someday, another book will appear to discuss certain aspects of the retirement experience that go ...(more)
You have just gone through one of the most challenging and difficult periods that a woman can experience in her life – a divorce. While many things may still be in up in the air, one aspect of your life that you should ...(more)
Do you know who's listed on the beneficiary form(s) for your IRA, annuity or qualified retirement plan? It's possible that it's not who you think or want it to be.
Over the years, I've heard numerous horror stories ...(more)
A Peter Griffin clone. One of many.
“Fighting is essentially a masculine idea; a woman’s weapon is her tongue.”–Hermione Gingold
My wife and I have been watching old episodes of Family Guy recently. We don’t watch ...(more)
A fee only investment advisor puts their clients' interests above their own. They have a fiduciary responsibility to act in their clients' best interests. The fee only advisor works for and provides advice to their ...(more)
There’s a lesson hidden in this stack
“An expert is a person who avoids small error as he sweeps on to the grand fallacy.”–Benjamin Stollberg
When I first got out of college, I rebelled against the system. For four ...(more)
How much salary should you defer into a retirement plan? Ultimately, the answer is “however much your budget allows you to contribute”. The big-picture question, however, is whether you need to contribute more to your ...(more)
inancial planning is a serious business, requiring deep relationships and trust to be successful.
Money matters are very personal, and the goals and accomplishments tend to be guarded secrets shared only with a select ...(more)
The monthly family budget discussion
“I don’t fear death because I don’t fear anything I don’t understand. When I start to think about it, I order a massage and it goes away.”–Hedy Lamarr
Boo. Budgets. Boring, right? ...(more)
The monthly family budget discussion
“I don’t fear death because I don’t fear anything I don’t understand. When I start to think about it, I order a massage and it goes away.”–Hedy Lamarr
Boo. Budgets. Boring, right? ...(more)
You stand at your window and look across the street. “Nice house,” you think. Nice landscaping, nice sports car, nice driveway, new bikes for the kids. Wow, your neighbors are really well off. If only you had that kind ...(more)
The Bush-era tax cuts could sunset in 2013, and this possibility has prompted some traditional IRA owners to think about Roth conversions.
If tax rates go up, going Roth may be smart. The key word in that last ...(more)
While it may seem obvious to some, the idea of working with a financial planner is often misunderstood.
Saying, “Those are just for rich people,” is like saying you’ll ride a bike because you cannot afford a Mercedes. ...(more)
Is this my social responsibility?
“The lack of money is the root of all evil.”–Mark Twain
Back during World War II, U.S. citizens were encouraged to buy war bonds – to save 10% of their paychecks for the war effort. ...(more)
A lot of people ask me the question, “What is a holistic advice?”
The term is referring to comprehensive advice that is big picture in nature. There are a ton of different places competing for a consumer’s investment, ...(more)
