Managing a Concentrated Stock Position: Strategies to Reduce Risk

For many tech professionals, a concentrated position in employer stock built through RSUs, options, or an ESPP represents both a significant wealth-building opportunity and one of the most underappreciated financial risks they carry. When a single stock represents a large percentage of your net worth, you’re carrying both income risk and investment risk tied to […]

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How Much Life Insurance Should You Actually Buy?

Most people either have too much life insurance, too little, or coverage that’s mismatched to their actual needs. The rule-of-thumb approaches, 10x income, whatever your employer provides, frequently leave families meaningfully underprotected. This guide walks through a practical framework for calculating the right coverage amount for your situation, determining which type of policy makes sense

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Healthy Money Habits That Build Millionaire Wealth Over Time

Income is a weak predictor of net worth. Savings rate is a much stronger one. The households that build lasting, meaningful wealth over time are not always the highest earners; they’re the ones who’ve built systems that make good financial decisions automatic and consistent. This article covers the specific habits that separate wealth builders from

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Questions to Ask Your Parents About Their Estate Plan (Before It’s Too Late)

One of the most common planning gaps we see with millennial clients isn’t about their own finances; it’s that they have no idea what their parents’ estate plan looks like, or whether one exists at all. A health crisis or death without the right documents in place creates a cascade of practical and legal problems

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Capital Gains Taxes Explained: What Every Investor Needs to Know in 2026

Every time you sell an investment at a profit, you may owe taxes on that gain. But how much you owe, and when, depends on several factors most investors don’t fully understand. This guide covers the complete 2026 picture: what capital gains taxes are, how they’re calculated, who owes the net investment income tax, and

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I Lost My Job — Now What? 4 Financial Moves to Make Immediately

A layoff is one of the more disorienting financial events most people will experience; it arrives suddenly, often without much warning, and the emotional weight of it can make clear financial decision-making genuinely difficult. This guide is intended to function as a checklist for exactly that moment: the practical, time-sensitive financial moves to prioritize in

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Best Stock Options Advice: 4 Strategies We Give Clients Every Day

Stock options, both Incentive Stock Options (ISOs) and Non-Qualified Stock Options (NSOs), are among the most powerful and most consistently misunderstood components of a tech compensation package. The decisions around when to exercise, how to manage tax exposure, and how to fund the exercise itself can mean a difference of tens of thousands of dollars

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How to Survive a Recession

Recession fears tend to resurface in headlines fairly regularly, and the anxiety they create is real, even when an actual recession doesn’t materialize. Regardless of where we are in any particular economic cycle, having a clear, pre-built playbook for responding to genuine economic uncertainty removes a significant amount of stress and prevents the kind of

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How Does Equity Compensation Work at a Private Company?

Equity compensation at a private company, whether a Series B startup or a pre-IPO unicorn, operates under fundamentally different rules and risks than equity at a public company. The illiquidity, valuation uncertainty, and tax complexity create planning challenges that don’t exist once a company is publicly traded. This guide breaks down what you need to

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The After-Tax 401(k) & Mega Backdoor Roth Guide

If you’ve maxed out your regular 401(k) contribution and you’re still looking for ways to shelter more of your income from taxes, the mega backdoor Roth may be the single highest-impact strategy you haven’t used yet. This guide walks through exactly how it works, who can access it, and how to implement it correctly in

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