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Sophisticated financial advice for sophisticated individuals
Maximize Your 401(k) in 4 steps
Four practical ways to get more from your 401(k): capture the match, boost contributions, align investments, and review taxes, fees, and beneficiaries.
Read MoreDo you have Restricted Stock? Make sure you understand the 83(b) election
Learn what an 83(b) election is, when it may help with restricted stock, key risks, and the 30-day deadline to file.
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Trump Accounts - Do they make sense? Here's my take
Trump Accounts have garnered a lot of attention lately. But do they make sense? Here's my take.
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Featured in NY Times
Excerpt follows, for full article, please see https://www.nytimes.com/2025/12/12/your-money/donations-charity-tax-law.html
Read MoreYear-end Financial Planning Reminders
As we approach the end of 2025, there's still time to maximize your financial planning. Please reach out to me if you have questions or need help with any of the following: 1. Maximize retirement accounts: The 2025 maximum contribution...
Read MoreMaking Sense of HSAs and FSAs
Making Sense of HSAs and FSAs With family health insurance premiums rising 297 percent since 2000, averaging over $25,000 annually, some employees feel the squeeze. Deductibles, too, have jumped nearly 50 percent over the last decade,...
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Tips for Workplace Annual Enrollment
Open enrollment for workplace medical and health benefits begins soon for millions of workers across the country. To help you maximize your opportunities, here are few tips I share with my clients.
Read MoreEmployee Stock Options: A primer + 6 tips on how to maximize
https://maloi-9866110.app.twentyoverten.com/insights/employee-stock-options-a-primer-6-tips-on-how-to-maximize Here's what you need to know about the value, risks and tax implications with employee stock options. If you have stock...
Read MoreOBBBA - Planning strategies for individuals
Download the summary: OBBBA Key Provisions
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Zurich 401(k) Target Date Mutual Funds - My thoughts and more
Do you save in the Zurich 401(k)? If so, you need to be mindful of your investment choices as your mix of mutual funds can make or break you. Here I review the Target Date Funds and my insights from working with Zurich employees.
Read MoreRoth 401k: What is it? When to use it?
What Is a Roth 401(k)? As the name implies, Roth 401(k) plans combine features of 401(k) plans with those of a Roth IRA.1,2,3 With a Roth 401(k), contributions are made with after-tax dollars – there is no tax deduction on the front...
Read MoreGot too much company stock? Consider an Active Index Approach
https://maloi-9866110.app.twentyoverten.com/insights/got-too-much-company-stock-consider-an-active-index-approach Executives can use an active indexing strategy to help diversify away from low basis company stock. In this issue: Using...
Read More2025 Tax Brackets and Other Federal and State Tax Changes
Greetings and Happy New Year! Here are some of the major Federal and State income and estate tax changes for 2025. For more information, download our 2025 Financial Guide 2025 Financial Guide Federal Long-Term Capital Gains Tax Rates...
Read MoreMy Top 5 Financial New Year's Resolutions....and How to Stick to Them!
Happy New Year! The new year is the perfect time to take stock of your current financial health. In the first three months of the new year, I set up annual review calls with my clients. We discuss the past year and the year ahead. It's...
Read MoreUsing a Donor Advised Fund for Charitable Contributions
Donor advised funds (DAFs) are a great way to give to charity and if done correctly, can provide tax savings. Here's how it works: Donor Advised Fund BasicsA donor advised fund can be set up at most major investment companies or some...
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