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Information provided on this page is informational only. Nothing posted here should be considered investment advice. Please review your financial situation with a qualified financial professional before taking action. For more information please see our disclosure.

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Contemplating Your Compensation – What to Consider When Receiving Company Stock as a Part of Your Compensation Package

When many people consider the compensation package for an employer, they primarily look at the base pay and possible bonus potential. Beyond that, other fringe benefits such as health insurance, company paid life insurance, a 401(k) match, or other perks (like being able to work from home) may come into the equation. However, for many people who work for publicly traded companies, a portion (often significant) of their total compensation will come in some form of company stock awards. How do you quantify this part of your pay, and its risks, when evaluating your entire compensation package? Here are some things to consider when company stock is a portion of your total pay.

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Robinhood’s IPO Access Platform: Gold Mine or Financial Black Hole?

It was inevitable to hear the terms Robinhood and IPO in the same sentence. Robinhood, the investing app, has had its name all over the place in recent years. And with the company still privately held, Robinhood and IPO seemed destined to touch the headlines of financial newspapers. What may not have been foreseen was that Robinhood would not only be going through an IPO itself but would be offering its customers the opportunity to invest in other IPO offerings.

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Solar Panels - Making Money While Lying in Your Hammock

By putting solar panels on your property, you are in effect installing a power plant that generates free energy; doesn’t require fuel; is silent and pollution free; has little or no maintenance and lasts for 25 years or more. In return, you receive free electricity to reduce or eliminate your electric bill; you increase the value of your home; you get a subsidy from the government; and you help combat climate change.

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Making Sense of Nonsense - AMC & the Latest Meme Stock Craziness

“We caution you against investing in our Class A common stock, unless you are prepared to incur the risk of losing all or a substantial portion of your investment.” Not exactly the words that you want to hear come from the CEO of a publicly traded company. Yet, that is a quote from a regulatory filing that AMC Entertainment (NASDAQ: AMC) placed with the SEC on June 3rd, 2021. The filing went on to say, “Within the last seven business days, the market price of our Class A common stock has fluctuated from an intra-day low of $12.18 on May 24, 2021 to an intra-day high of $72.62 on June 2, 2021, and we have made no disclosure regarding a change to our underlying business during that period, other than with respect to an additional financing.”

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Lumber, Gasoline, Inflation? Oh My! - What's The Deal with Inflation and What to Do About It

The silent killer of many financial plans is the gradual increase of the price of goods and services over time, otherwise known as inflation. This mysterious villain is often neglected because these price increases are so gradual, they are hardly noticed day by day, until you reflect on what things used to cost 10, 20, or 30+ years ago. This has been especially true over the past decade when inflation has been so much less than in the past.

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The American Families Plan and the potential increase in Capital Gains Tax rates

President Biden is planning on previewing his American Families Plan (AFP) at his first address to a joint session of Congress on April 28th. Some of the expected parts of the plan include extending the enhanced child tax credit, 12 weeks of family leave paid for by the federal government, free community college, access to free childcare, and universal pre-K. To pay for all of these new programs, the President is expected to propose tax increases in various forms. One of the most talked-about changes is with long-term capital gains rates, reportedly increasing dramatically for those Americans with more than $1 million in taxable income.

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Bitcoin: Digital Currency or Speculative Bubble?

It is not surprising that Bitcoin has captivated people’s attention over the last year given its dramatic increase in price and abundant press coverage. You can’t go a day without hearing someone start a sentence with “The price of Bitcoin...” or “An investment in Bitcoin in 2010 would be worth…”. It is puzzling to hear Bitcoin framed as an investment. Wasn’t Bitcoin started as an easier way to exchange payments between two parties? Shouldn’t you want a currency to be fairly stable in value so you can be certain that when you accept a payment the value will not fluctuate wildly while you hold it until you need to use it for spending?

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What's the Deal with GameStop? - Understanding Its Recent Run-Up

If you've been following the stock market over the last few days, or just the news in general, one of the most talked about stories is the meteoric rise of GameStop's stock. A stock that was trading around $20 at the start of the year rapidly rose to over $400 in just a matter of days. How is this possible? There are a few reasons why the stock has risen so rapidly. But we strongly suggest avoiding jumping into the fray.

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Should You Diversify Your Investments? - Why Diversification is Key to Prudent Investment Management

Most people cannot live on Social Security or a pension alone. Investing and saving for the future in retirement accounts, like 401ks or IRAs, is key to funding a long and happy retirement. But this begs the question of what should you be invested in? In the news, we hear a lot about the outperformance of certain tech companies like Apple, Amazon, Facebook, and Microsoft. Does it still make sense to diversify in today's investment environment? We believe the answer is a resounding yes, and the most recent quarter helps exemplify that fact.

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How Often Should I Rebalance My Investments? Especially in a Wild Year Like 2020!

Having an investment strategy is a key part to any comprehensive financial plan. At a high-level, this includes setting a target mix of stocks vs. bonds for your portfolio. But how often should you be rebalancing back to your targets when things inevitably drift higher or lower? Especially during an incredibly volatile year like 2020 where we've seen precipitous stock market drops followed by record highs later in the year - should you look to rebalance every week, month, or annually? How far off from the targets do you have to be to warrant a rebalance?

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Stock Plans and the Stock Market - How to Manage Your Stock Plan During Market Volatility

If you've been following the stock market at all, you know that it has been a bumpy year. After hitting record highs in February, when the coronavirus became more severe the market dropped precipitously shortly after, only to recover much of its losses since hitting lows in late March. As financial planners, a big part of our job is to help our clients navigate the uncertainty and help them stay the course to reach their long-term financial goals.

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