Tech Wealth Blog

  • RSU Income & Mortgage Qualification

    Working for a tech company—like Amazon—that uses Restricted Stock Units (RSUs) as compensation, can limit your ability to qualify for the home mortgage you might desire. Luckily, more mortgage providers now accept income from RSUs in their qualification calculations, but it may take some advanced planning on your part. This change is likely based on demand from borrowers—as more companies […]

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  • statistically probable investing - distributions

    Statistically Probable Investing

    We are often asked, “What’s your investment thesis?” Although various investment approaches impact your accumulation of wealth differently, we don’t believe selecting the “best” investment thesis is the most critical decision. The largest long-term influence on your wealth—unless you are already independently wealthy—is more likely whether you have implemented a disciplined investment plan. Systematic contributions plus confidence with the level […]

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  • Hazardous Advice - watch out!

    Hazardous Advice—Reaching for Yield

    Acting on generic investment advice in magazines—or on the internet—can be hazardous to your wealth. In their desire to attract readers, publications often fail to fully explain an investment or adequately disclose the risks. The other day I ran across a particularly worrisome article on Forbes.com with the title “The Amazing 8.8% Cash Payout No One’s Talking About.” The article […]

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  • Financial Ribbernecking - how do you stack up?

    How Do You Stack Up?

    Employees at technology companies—as a group—are highly compensated. Nonetheless, it may not feel like it, given the high cost of living in tech hubs like Seattle or the San Francisco Bay Area. To keep grounded in reality, I look forward every three years to the Federal Reserve Board’s Survey of Consumer Finances for the latest household income and net worth […]

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  • What Do Amazon Employees Invest In?

    401(k) plan sponsors are required to file Form 5500 with the Department of Labor every year. Along with other information, Form 5500 lists which investments plan participants have selected for their retirement funds—giving us insight into how Amazon.com employees choose to invest for retirement. So what do your fellow Amazon employees invest in? Perhaps not surprisingly, the company stock fund […]

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  • Human Capital vs. Financial Capital

    A person’s net worth is generally considered the sum of financial assets (stocks, bonds, savings) and real assets (automobiles, real estate) less debts (mortgage, credit cards). But this view fails to account for Human Capital—the value of all future wages. For younger workers, Human Capital is generally much larger than accumulated Financial Capital. Human Capital is considerable when we are […]

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Contribute financial wisdom for Seattle's technology company employees; provide education on the financial benefits available, and prepare employees to be savvy in the management of their personal wealth.
  • Your financial future
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  • Restricted Stock
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