roth conversions

How to Maximize Roth Conversions

Roth conversions are a powerful tool to utilize for various reasons when it comes to maximizing retirement savings. A Roth conversion is an essential part of the back-door Roth ira strategy (for high-income earners) who otherwise can’t make a direct contribution to a Roth. It’s also a strategic way to “max out” marginal income tax[…]

create your own investment portfolio

How to Create Your Own Investment Portfolio

Creating your own investment portfolio or strategy boils down to a few key principles. The key topics we’ll cover in this article include tax-efficiency, time horizon, assessing risk tolerance, and diversification. Once you have a solid understanding of how these topics apply to your situation, creating a customized portfolio in pursuit of your goals can[…]

what to do with my rsu's?

What to do with my RSU’s?

RSU’s or restricted stock units are a form of equity compensation often awarded to employees in the technology industry. They’re used as additional compensation in addition to a base salary in the form of stock ownership in the company. RSU’s can be an extremely valuable form of compensation and offer several planning opportunities. However, if you’re[…]

5 Tips to Managing A Market Correction

Odds are if you’re an investor, you’ve experienced market corrections along your journey. Market corrections are classified as a drop in 10% or more from the asset class highs. For example, the S&P 500, the index for large-cap U.S stocks, experiences a correction on average once per year according to Deutsche Bank. Naturally, you’d think investors[…]

end of year financial checklist

2018 End of Year Financial Checklist

This article will discuss 2018 year-end financial planning techniques that can be utilized before ringing in the new year. Taking the time to cross them off your to-do list will ensure you start 2019 off on the right foot! I hope you find my end of year financial checklist helpful! 1. Tax-Loss Harvest Tax-loss harvesting[…]

managing concentrated stock positions

Managing Concentrated Stock Positions

Living in Seattle and primarily working with individuals and families in the tech industry, I’m very in touch with our burgeoning tech scene. Industry titans such as Amazon, Microsoft, Facebook, Apple, and Google, all have large offices here. If you work in the tech industry you’re also likely familiar with the variety of equity compensation structures[…]

stock options

My Company’s Tech Stock is Booming! What Should I Do?

Since the mid-1990’s, the internet and the digital age have transformed the way we live. Technology has been the foundation for industry disruption and as a result, there continues to be an opportunity for technology companies to rise from a small start-up to a full-fledged public company in a matter of years. With the sudden[…]

who pays gift taxes

Who Pays Gift Taxes? And Gifting Strategies for Millennials

The annual gift tax exclusion in 2018 allows up to $15,000 to be transferred tax-free. Meaning cash gifts received or made, from anyone, over that limit are taxed. If you’ve ever received a generous gift from someone, you might be wondering who pays gift taxes? How does the gift tax work? And why is there a[…]