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
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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 »
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 »
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 »
The IRS has raised the 401k contribution limits for the 2024 year to $23,000.
Max Out Your 401k with the New $23,000 limit Read More »
This has been a rough year for investors. The stock market averages have been down double digits for most of the year. We are clearly in a bear market for equities. To make matters worse, bonds have also dropped significantly this year, meaning the lower risk 60/40 type portfolios are down almost as much as
It’s Time To Bring In The Tax Loss Harvest Read More »
“Money makes money. And the money that money makes, makes money.” Ben Franklin What My High School Math Teacher Taught Me About Building Wealth It was towards the end of my senior year in high school. I’d already been accepted into college. Other than my final high school track season, I had an acute case
How To Get Rich Slowly Read More »
I began my career as a financial advisor in the summer of 2000. At the end of that year the yield on the ten year Treasury bond was 5.12%. If I had purchased a $10,000 ten year that day I would have received interest of approximately $512 per year. If I didn’t sell the security
Falling Bond Prices Mean Higher Future Income Read More »
“By a continuing process of inflation, government can confiscate, secretly and unobserved, an important part of the wealth of their citizens.” John Maynard Keynes The above quote notwithstanding, there is one government program that can significantly help the individual investor during a period of high inflation. It is the lowly savings bond, specifically the Series
I Bonds Can Help Savers Endure Inflation Read More »
