Market Perspectives, Tax Planning Insights, Financial Planning Considerations, & More
Financial Planning Considerations
Benefit election time is coming! Let’s prep so you can confidently make decisions.
Your employer-provided benefits are an important part of your financial plan, and we can maximize their effectiveness.
Perhaps you…
- Want to make sure your employer-provided retirement plan is optimized for your risk tolerance, goals, and diversification needs;
- Are curious about the effects of adding your spouse or dependents to your employer-sponsored medical insurance;
- Need to review your employer-sponsored disability insurance to ensure you’ve funded your emergency reserves to cover your elimination period.
Whatever the case, it is important to understand the scope of your benefits and how they can (and should) coordinate with your long-term financial plan. Certainly, we can offer you the insight that empowers you to make confident decisions.
To facilitate a productive discussion, I have a checklist that outlines 17 considerations that are fundamental to an employer-provided benefits review.
Tax Planning Insights
Restricted Stock Units (RSUs) are a popular form of equity compensation that, after vesting, result in an employee’s receipt of shares of company stock or a cash payout. Similar to a bonus, RSUs can positively affect cash flow but incur taxes that require planning.
This checklist is designed to help guide conversations when reviewing RSUs. It covers:
- Key characteristics of RSUs
- Ordinary income tax considerations at vesting
- Capital gains tax considerations at sale
- Company stock and portfolio considerations
Market Perspectives
How Geopolitical Conflicts Impact Markets and the Economy
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