Investing in a 401(k) is often very easy. But what happens when you want to save money outside a 401(k)? What do you do? Where do you start? …
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financial planning
Risk That Even The Best Retirement Plan Needs To Address
For any retiree, there are a number of risks that are inherent to life —risks that can’t be completely avoided. When evaluating these retirement risks, there are generally three options. First, you can retain the risk and hope it doesn’t affect you. The second option is to shift the risk to …
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9 Financial Planning Steps to Take in Your 30s
A good friend of mine once told me that financial planning in your 30s is just like financial planning in your 20s, except …
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Thinking Out Loud – Retirement Income Planning 201
There are many rules of thumb in financial planning. One such rule of thumb states that if you withdrawal 4% of your account balance each year in retirement, adjusted for inflation, your money should last forever (for what it’s worth, I am not a big fan of rules of thumb. But for this exercise, …
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Cash vs. Cashless Exercise – The Employee Stock Option Conundrum
When you exercise your employee stock options, you’ll likely do one of the following: A cash exercise, or A cashless exercise Knowing your options is easy. Evaluating whether to employ a cash vs. cashless exercise of your employee stock options can be difficult. Not only can the math …
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