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Building a financial home

As a financial planner, we talk in numbers and make it sound so simple.  If you want X in the future, you have to give up $Y now in spending.   Are those choices easy to make though?   Financial plans are based on assumptions, and the outcome of the plan can seem distant and uneasy to grasp.  So I…

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Signs You Need a Financial Planner

Financial Planners Help Build Better Experiences Sometimes it’s hard to tell if you need professional help for a problem or if you can handle it yourself. Whether it’s taking care of a common cold, fixing the sink, changing the oil in your car or doing your own taxes. The same question often arises about finances. It happens all the time…

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RSUs in your investment portfolio

If you receive a large grant of RSUs, you will have many risks. Risk of termination before vesting, risk of market volatility in stock price, and asset concentration are a few. You will need to decide whether you will keep the stock once vested, or if you prefer to sell the stock at vesting date. Concentrated Positions A concentrated position…

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Top 5 Ways to Prepare for Buying a Home

Amazon recently announced their search for a second headquarters and it got me thinking about home buying. The thought of 50,000 new employees in one campus location will definitely spur new home buyers.  Seattle has exploded from the number of mid-westerners and Californians moving to the state for work.  Prices are continuing to rise and for most of us, this…

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Incentive Stock Options and the Alternative Minimum Tax

Alternative minimum tax ("AMT") is a hard proposition for many tech employees.  When you exercise incentive stock options it increases your net worth, but you don't actually get any cash.   This puts you in a tough spot for paying any AMT later on.  This is an important topic for start-up tech employees and it is easy to miss. Incentive stock…

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Trading restrictions on company stock

Are you subject to restrictions in selling your company stock? Many public companies, like Amazon, institute ‘trading windows’ for key employees and executives.   Whether you are a ‘key employee’ generally boils down to access to company profit and loss details. Profit and loss access generally includes: an executive with control over a piece of the income statement or department…

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