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Your RSUs Are a Cash Bonus That Happens to Arrive as Stock
The tax bill arrives whether you sell or not. Once you see that, holding stops being the default and becomes a decision you are actively making...
Your 401(k) Deferral Is Still Set Where You Left It in January
Just here to check your pace? Jump straight to the calculator — it takes four numbers off your last paystub. As the end of the year...
An Open Letter to Schwab: The Prediction Market Line Is Drawn in the Wrong Place
Schwab is right to worry about the line between gambling and investing. It has drawn that line in the wrong place — and advisors are left...
Why We Don’t Try to Beat the Market
Most active managers underperform, and the critics of that finding have a point. The reason we index is simpler than either number: the winners do not...
What Does a Financial Advisor Actually Cost?
Most advisors charge about 1% a year, but the headline percentage is rarely the whole cost. Every fee model, what each one runs, and the costs...
A Narrow Window to Visit Positano
I was recently in Positano, Italy for the first time and would recommend, with caveats, the town to almost anyone. I happened to take the train...
The Other 600: Why We Own the Index Nobody Talks About
The headlines in 2026 have been about the same names they've been about for years. But the strongest returns in the US stock market this year...
Give Your Kids a Head Start on Retirement
Last month, we highlighted Trump Accounts as a new way for parents and grandparents to begin investing for children at an early age. But once your...
Borrow Smarter With Your Portfolio
For most investors, a Schwab account is primarily a place to save and invest. But through your Schwab relationship and our work as your advisor, those...
Four reasons we remain constructive
While the stock market has moved lower in July, the overall trend for the year has been positive. In this article, we highlight four reasons we...
Savings Rates Keep Dropping
Over the last two years, high yield savings accounts have become a staple of many household financial plans. With interest rates above 4% and sometimes approaching...
Markets keep rallying
Markets are poised to finish the second quarter near their highest levels of the year. While the war with Iran caused stocks to fall in March,...
Unlocking Penalty-Free IRA Withdrawals With A 72(t) Election
One of the biggest concerns for would-be early retirees is how to access retirement accounts before age 59½ without paying a 10% early withdrawal penalty. Fortunately,...
What the SpaceX IPO could mean for markets
The expected June IPO of SpaceX is set to become one of the largest public offerings in market history. But the bigger story may not be...
Cars, Homes, Taxes, oh my!
Financial planning often happens in real time — not just during investment reviews. Over the past month, we've helped clients navigate major decisions involving car purchases,...