INSIGHTS

Job Offer with stock options

Guide to understanding your job offer with stock options

Guide to understanding your job offer with stock options. Congratulations! You just landed your dream job. However, you might have one big puzzle to solve. Your compensation package includes a combination of a base salary and stock options. The news is exciting but also a

Tax Saving Moves for 2020

Tax Saving Moves for 2020

As we approach the end year, we share our list of tax-saving moves for 2020. 2020 has been a challenging and eventful year. The global coronavirus outbreak changed the course of modern history. The Pandemic affected many families and small businesses. The stock market crashed

Indexed Universal Life Insurance IUL

Benefits and drawbacks to buying Indexed Universal Life Insurance

Today, I am going off the beaten path for me and will discuss the pros and cons of buying Indexed Universal Life Insurance. As a fee-only advisor, I do not sell any insurance or commission-based products. However, on numerous occasions, I have received requests from

Smart 401k moves in 2020

5 smart 401k moves to make in 2020

5 smart 401k moves to make in 2020. Do you have a 401k? These five 401k moves will help you empower your retirement savings and ensure that you take full advantage of your 401k benefits. 2020 has been a challenging year in many aspects. Let’s

Investment ideas for 2020

Investment ideas for 2020

Investment ideas for 2020 and beyond. Learn what trends will drive the stock market in the next decade. Disruption creates opportunity  2020 has been challenging in multiple ways. The global pandemic changed our lives. We have adapted rapidly to a brand new world. Six months

Thrift Savings Plan

Grow your retirement savings with the Thrift Savings Plan

The Thrift Savings Plan (TSP) is a retirement savings plan for federal employees. The purpose of the TSP is to provide federal workers with a platform for long-term retirement savings where you can make regular monthly payroll contributions. In many ways, TSP resembles the 401k

physician retirement

The physician’ roadmap to secure and healthy retirement

I talk to physicians every day and know that retirement is a sensitive subject. For many physicians retiring is an extremely personal decision. And it is not an easy choice to make. You must take into account a wide range of financial, professional, and individual

Understanding tail risk

Understanding Tail Risk and how to protect your investments

What is Tail Risk? Tail Risk is the possibility of suffering large investment losses due to sudden and unforeseen events. The name tail risk comes from the shape of the bell curve. Under normal circumstances, your most likely investment returns will gravitate in the middle

Roth Conversion

Effective Roth Conversion Strategies for Tax-Free Growth

Roth conversion of your tax-deferred retirement savings can be a brilliant move. Learn the must-know rules and tax implications of Roth Conversion before you decide if it is right for you. What is a Roth Conversion? Roth Conversion is the process of transferring the full

TSP contribution limits 2020

TSP contribution limits 2020

TSP contribution limits for 2020 is 19,500 per person. Additionally, all federal employees over the age of 50 can contribute a catch-up of $6,500 per year. What is TSP? Thrift Saving Plan is a Federal retirement plan where both federal employees and agencies can make