ESPP or employer stock purchase plans, as they’re commonly known, are a common employee benefit within the tech industry. As the name implies, they allow employees to purchase stock of the company at a discounted price. For example, rather than purchasing the stock outside of the plan for the market price, ESPP’s might apply a …
The 401(k) has become synonymous with retirement. It’s the primary type of account used to save for retirement in today’s corporate world. Most are aware of the tax benefits a traditional 401(k) provides along with often generous “matching contributions” made by employers to encourage saving. However, one potentially overlooked 401(k) option by both employers and …
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 …
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 …
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 can and …
This article will discuss the importance of tax-efficient investing in order to maximize portfolio returns. From the different types of tax status at the account level, to tax-efficient investments, we’ll uncover simple strategies to ensure you’re keeping most of your investments returns. Importance of Tax-Efficient Investing Taxable, Tax-Deferred or Tax Exempt? There are 3 differing …
