Blog tagged as Financial Planning

Timing Your Social Security Benefits

09/18/2024 10:44 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Timing Your Social Security Benefits
Claiming Social Security benefits early, at full retirement age, or delaying until age 70 presents unique financial advantages and disadvantages, depending on individual circumstances and future projections of the Social Security trust fund.

Potential Economic Outcomes and Strategies for Interest Rate Cuts

09/13/2024 08:13 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Potential Economic Outcomes and Strategies for Interest Rate Cuts
The Fed’s potential rate cuts could impact bonds, stocks, real estate, and loan rates in varying ways depending on the broader economic environment, making diversified investments and strategic debt management essential for navigating these uncertainties.

Equity Compensation Series: Incentive Stock Options

09/05/2024 05:48 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Incentive Stock Options
Incentive Stock Options (ISOs) provide employees the opportunity to purchase company stock at a set price with potential tax advantages, but they require careful financial, investment, tax, and estate planning to manage risks and optimize benefits.

Equity Compensation Series: Non-Qualified Stock Options

08/29/2024 10:39 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Non-Qualified Stock Options
Non-Qualified Stock Options (NSOs) grant employees the right to buy company stock at a predetermined price, offering potential financial gains but also carrying risks such as tax liabilities and stock price volatility.

401(k) to IRA Rollovers: What You Need to Know

08/22/2024 09:43 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
401(k) to IRA Rollovers: What You Need to Know
Rolling over a 401(k) to an IRA offers greater investment flexibility and potential cost savings, but it requires careful consideration of the disadvantages before proceeding.

Understanding the Yield Curve and Its Impact on Investments

08/04/2024 09:05 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Understanding the Yield Curve and Its Impact on Investments
The yield curve, currently inverted, is a critical economic indicator that signals potential recessions, and understanding its behavior, especially as it un-inverts with potential interest rate cuts, is essential for informed investment decisions.

Equity Compensation Series: Restricted Stock Units

07/18/2024 05:28 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Restricted Stock Units
Restricted Stock Units (RSUs) are equity compensation tools that provide company shares to employees upon fulfilling vesting conditions. Proper financial planning is essential to effectively manage the risks and optimize the benefits associated with RSUs.

Path to Financial Freedom: Achieving Independence Beyond the 4th of July

07/03/2024 01:09 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Path to Financial Freedom: Achieving Independence Beyond the 4th of July
Achieving financial independence involves understanding personal goals, calculating necessary savings, and creating a tailored financial plan with the help of a financial planner.

Equity Compensation Series: Restricted Stock

07/02/2024 10:36 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Restricted Stock
Restricted stock is a form of equity compensation that involves shares granted to employees with certain vesting conditions and tax implications, requiring careful financial, investment, tax, and estate planning to maximize benefits and manage risks.
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