Monthly Archives: December 2022
Maximizing your ESPP Benefit
There are many great articles explaining how Employee Stock Purchase Programs work, but this post focuses on how to evaluate your ESPP ...
Fast Cash and the Benefits of Debt
Cash is king. Everyone has heard this before, yet it’s so easy to take for granted. All it takes is one pandemic, one missed opportun...
The “framing” effect
The "framing effect" is the principle that our choices are influenced by the way they are "framed," or presented to us, often by the me...
Everyone needs an advisor.
The world of financial services is sprawling, and like other professions such as law or medicine, has a large core of generalists surr...
The Roth Conversion
If a penny saved is a penny earned, then strategies for managing losses, fees and taxes should be core undertakings of growing your wea...
Teachers: Don’t be fooled by the “tax-sheltered annuity” account.
The primary retirement account type for employees of non-profit organizations including schools, libraries and hospitals is called a 40...
When it comes to paying tax on income, composition matters
Did you know that capital gains and qualified dividends have their own (and more favorable) tax schedule?Are you aware that capital...
Roth Conversions add flexibility and control
One for the Money…If a penny saved is a penny earned, then strategies for managing losses, fees, and taxes should be core undertaki...
To Roth or not to Roth is not the question
It’s when and how that lead to the benefits of tax-free growth, income, and legacy planning.The general rule of thumb for the Roth ...
Opportunity created by uncertainty
Matt and Aaron Merriman of Lujan/Merriman Development Group discussing current market conditions and opportunities that will be created...