In today’s fast-paced world, financial success is often equated with being wealthy or rich. However, there are significant distinctions. While both terms refer to abundant financial resources, the underlying principles and long-term implications differ significantly. As a financial advisor specializing in assisting professionals in the technology industry, I come across many situations where we can …
A securities-based line of credit is invaluable for building, maintaining, and managing wealth. It can provide immediate liquidity for emergencies, funds for a downpayment, business startup or purchase, tax payments, etc. However, the average investor remains in the dark regarding when, how, and why to employ a securities-based line of credit. This is your complete …
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The natural economic cycle, unfortunately, includes periods of recession. Throughout history, recessions have occurred of various magnitudes and for multiple reasons. Every recession tends to be different, and nearly impossible to predict precisely when they’ll happen. Recessions are tied to economic conditions such as higher unemployment, stagnating wage growth, stock market declines, falling real estate …
Stock options present unique challenges, opportunities, and potential pitfalls to personal finances. In addition, they’re inherently complex when considering other factors of an individual’s or family’s holistic financial plan. Over the years of working directly with people who receive stock options as part of their compensation package, we’ve come up with our four best pieces …
Involuntarily losing your job is not an easy pill to swallow. Aside from the mental toll it may take, it also impacts your finances. It’s important to take a deep breath and take the time to review your financial situation after losing a job. This article will cover four financial moves if you’ve recently become …
Capital gains are taxes that all investors need to be knowledgeable of. Whether you invest in stocks, bonds, real estate, etc., capital gains taxes must be paid once the investment is eventually sold. Using tax planning or basic knowledge of capital gains taxes can help you prepare for the eventual tax bill without getting surprised. …
Creating habits regarding money management, or anything in life for that matter, will drastically improve your chances of achieving a goal. Millionaires, in particular, typically abide by certain habits, sometimes consciously and other times due to creating similar habits in other areas of their life, resulting in their ability to achieve a net worth greater …
All types of insurance can help reduce the risks of a financial plan. Whether you’re trying to reduce the risk of loss of income, ability to perform your job, catastrophic damage to a large asset such as a home, or general liability, if there’s a risk, generally, insurance can be purchased to cover it. One …
Investors are certain to experience volatile markets throughout any normal economic cycle. As unpleasant as they may be, they also offer potential opportunities to long-term investors with the patience and financial wherewithal to withstand a downturn. This particularly rings true for equity compensation in both private and public companies. Stock options and RSUs in valuable …
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Technology company start-ups or private companies oftentimes use potentially extremely valuable equity compensation as a way to attract a talented workforce away from their “less risky” larger public company counterparts. If you’re considering a job offer or currently work for a private company that provides Incentive Stock options or Restricted stock/stock units as part of …
