Planning & Retirement

Prepare for financial milestones and events

Financial planning

Info about ESPPs

Learn about Employee Stock Purchase Plans (ESPPs), including how to enroll and participate, and tax implications.

July 16, 2024

Info on restricted stocks

Information about restricted stock units (RSUs) and awards (RSAs), including what they are, how they're taxed, and how to sell your shares.

July 16, 2024

Stock options: NQSOs & ISOs

Information about stock options, including RSUs and RSAs, what they are, how they're taxed, and how to sell your shares.

July 16, 2024

College and education

Education Savings Accounts

You have a variety of choices when it comes to saving for your child's education: 529 plans, Coverdell ESAs, and custodial accounts. Let's review your choices.

June 25, 2024

529 College Savings Plans

The 529 savings plan provides several tax advantages when used for education expenses.

June 14, 2024

College Custodial Accounts

Custodial accounts may not offer the tax benefits of 529 plans, but they can be used to fund expenses that 529 plans don't cover.

March 27, 2024

Estate planning

Family Help: Loan vs. Gift

Be sure you know what you're getting into before you agree to a family loan.

July 12, 2024

SLATs for Couples

A spousal lifetime access trust (SLAT) allows access to assets while helping to keep them out of your taxable estate.

July 10, 2024

Manage Your Money in a Divorce

Learn what financial steps to prioritize during a divorce, including calculating net worth, freezing certain assets, reviewing beneficiaries, and more.

June 21, 2024

Saving for retirement

Starting a 401(k) in Your 20s

Retirement may seem far away, but starting to save in a 401(k) in your 20s is one of the best things you can do for your future self. Here's why.

July 12, 2024

Measuring Portfolio Performance

The Sortino ratio focuses only on the downside risk of a portfolio, which is what short-term investors may want if they've got a short-term goal. The higher the Sortino ratio, the better the risk-adjusted return.

June 27, 2024

4 SECURE 2.0 Act Takeaways

The sweeping new law will continue to be implemented over the next few years. Here are four areas in which your retirement savings could benefit.

March 08, 2024

In retirement

Estate Tax and Lifetime Giving

If you have a large estate, consider gifting during your lifetime as a strategy to help reduce estate taxes.

June 17, 2024

Life Insurance and Your Estate

Adding life insurance to your estate plan can help give your heirs flexibility in the future.

June 14, 2024

2024 RMD Reference Guide

What's new with required minimum distributions? We cover the basics here.

May 14, 2024

Tax planning

Outlook: Municipal Bonds

Although the market is off to a rough start to the year, we think it should recover.

July 11, 2024

Estate Tax and Lifetime Giving

If you have a large estate, consider gifting during your lifetime as a strategy to help reduce estate taxes.

June 17, 2024

5 Questions for Gray Marriages

Getting married later in life raises a host of unique financial considerations. Here's what you can ask yourselves before you tie the knot.

June 14, 2024

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

Investing involves risk, including loss of principal.

Past performance is no guarantee of future results.

All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.

Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

The information provided here is for general informational purposes only and is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager.

0723-3R5M