You took a new job midyear. Look out for these 6 “gotchas”
Changing jobs midyear leaves a financial to-do list onboarding skips: withholding resets, split 401(k) limits, HSA, insurance, and equity. Here's the rundown.
How we think about money.
Our thoughts on the psychology of money, strategies and tactics that work, and how we’re navigating this chapter of life.
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You took a new job midyear. Look out for these 6 “gotchas”
Changing jobs midyear leaves a financial to-do list onboarding skips: withholding resets,…
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A 351 exchange: diversifying concentrated stock without the tax hit
A 351 exchange lets you move concentrated stock into a new ETF…
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Greatest hits
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Salesforce benefits, equity & 401(k): A planner’s read for sales managers and VPs
Salesforce's 401(k), ESPP, RSU, HSA, and after-tax 401(k) stack is built for…
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Restricted stock units explained
Today we're talking about Restricted Stock Units (RSUs from here on out),…
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Give every dollar a job
Kenneth French once defined risk as the uncertainty of lifetime consumption, which…
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Pay less tax when you pay tax
Educational content, not personalized advice. Your situation may turn on facts this…
All essays
A 351 exchange: diversifying concentrated stock without the tax hit
A 351 exchange lets you move concentrated stock into a new ETF and diversify without triggering capital gains, if your basket clears the 25/50 rule.
Financial planning for sales professionals: a guide for high-earning reps, managers, and VPs
Financial planning for sales professionals: budget to a conservative base, not OTE. A fee-only planner on cash flow, the tax gap, and equity.
Long-only direct indexing vs. tax-aware long-short direct indexing
Long-only direct indexing harvests losses until your lots rise above what you paid. The short book keeps harvesting, for a higher cost. When each fits.
Salesforce benefits, equity & 401(k): A planner’s read for sales managers and VPs
Salesforce's 401(k), ESPP, RSU, HSA, and after-tax 401(k) stack is built for wealth-building. A planner's sequence for sales managers and VPs.
Equity compensation planning: a guide for dual-income households
Equity compensation planning for dual-income households becomes a coordination problem when two grants share one tax return. How to think about it.
Augusta Rule: how to rent your home to your business tax-free
Augusta Rule: rent your home to your business up to 14 days a year tax-free. Who qualifies, how to document it, and how to keep the rate defensible.
Financial advisor in Portland, Oregon — for dual-income millennial families
Financial advisor in Portland, Oregon for dual-income millennial families. Stoneholt is fee-only and fiduciary. Planning starts at $7,500 a year.
How to take a sabbatical (without setting back the rest of the plan)
Sabbatical planning, walked through by a planner: how to size the cash, invest the runway, time the taxes, cover insurance, and plan your reentry.
Sandwich generation financial planning for high earners
When two 401(k)s and two backdoor Roths are maxed, sandwich-generation planning becomes a sequencing question: 529, brokerage, or the five-year goal.
The Great Recession, explained in normal person language
Do you feel like you really understand what happened back in 2008? If not, you should. Have you ever been cruising down the street when…
What to do before you sign your offer letter
An offer letter is a piece of paper with maybe two or three dozen clauses on it. Most people read the salary number, push back…
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