Capitalist markets often generate economies of scale in finance, which tends to concentrate wealth and power. John Coates, from “The Problem Of 12: When A Few Financial Institutions Control Everything” Over the past couple of decades corporate America has been increasingly owned by large Index funds (for public companies), and Private Equity (for private companies). […]
2024 was about as good a year as it gets for investors. The S&P 500, an index comprised of approximately the largest 500 US companies ended 2024 at 5,881.24, just a couple of percentage points below its all time high. This was a 25.02% total return for the year, which followed a 26.29% total return
How To Prepare For The Next Bear Market During A Bull Run Read More »
“At all times, in all markets, in all parts of the world, the tiniest change in rates changes the value of every financial asset.” Warren Buffet With the Fed expected to begin cutting interest rates as soon as this fall you may be wondering how to invest your cash while interest rates are falling. After
Investing Your Cash While Interest Rates Are Falling Read More »
As a Microsoft professional you have an opportunity to build wealth through your equity compensation, specifically Restricted Stock Units (RSUs). This hypothetical framework is geared towards the newer Microsoft professional who would like to lean into owning shares of the company you work for while maximizing Microsoft’s benefit plans to balance the downside risks of
Building Wealth With Your Microsoft Benefits Read More »
Tax planning for Restricted Stock Units (RSUs) and Restriced Stock Awards (RSAs).
Tax Planning For Restricted Stock Units and Awards Read More »
In this post I will evaluate the general rules of thumb around how much to hold in company stock (5-10%), evaluate the risks and opportunities, and give my thoughts on the potential situations where it may make sense to hold a more significant position in company stock than the general advice calls for. Equity Compensation
How Much Should I Hold In Company Stock? Read More »
A franchise has long been a viable path to wealth. However, the model is under stress from inflation and government regulation.
Is Buying A Franchise Still A Viable Path To Wealth? Read More »
I’ve recently written about two options for the self-employed professional to save a significant amount for retirement in a tax advantaged way. The SEP IRA, and the Solo 401(k). In this article I’ll summarize the key differences and advantages of one over the other. While both of these plans will help you achieve your goal
SEP IRA vs. Solo 401k for the Self Employed Professional Read More »
Many people dream of having wealth during their lifetime. For some there is a desire to retire early and re-claim their time. For others wealth is seen as a way to help their family thrive through education, or to be able to contribute to charitable causes. While there are many paths to wealth, I will
Three Paths To Build Significant Wealth During Your Lifetime Read More »
Self-employed professionals can save for retirement using tax-advantaged accounts like the Solo 401k, offering both employee and employer contributions tailored to individual goals. The Solo 401k permits pre-tax, Roth, and after-tax contributions and a higher potential savings rate compared to SEP IRAs, with caps at $66,000 for 2023 and $69,000 for 2024. Complexities in administration versus a SEP IRA are offset by the benefit of increased contributions and Roth options. Consulting a tax advisor is advised for compliance and maximizing benefits.
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