Tech Wealth Blog

  • Photo of low income apartment building under construction

    Are Qualified Opportunity Funds A Good Investment?

    Do you hold highly appreciated stock that you want to sell, but don’t want to pay the subsequent capital gains tax? If so, there is a new investment option to consider. Investing in a Qualified Opportunity Fund (QOF) allows you to defer federal tax on your capital gains while freeing up the money you initially used to buy the stock […]

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  • Amazonian’s $1 Billion Retirement Bet

    Amazon employees have invested $1 billion of their 401(k) retirement funds[1] in their employer’s stock—by far the single largest holding in Amazon’s 401(k) plan. Luckily, this was a very good bet during 2017 (up 56%) and has continued to be an outstanding investment during 2018 (up over 70% as of end of September). Implying a potential gain of $700 million […]

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  • Maximize your after tax 401k

    Save Taxes on 401(k) Distributions

    Preferential Tax Treatment on Company Stock in Your 401(k) If you hold shares of your employer’s stock in your 401(k) account, there is an IRS rule with the potential to significantly reduce your future tax burden. The rule pertains to net unrealized appreciation (NUA). NUA is the difference between the price you originally paid for a stock (i.e., your cost […]

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  • 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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Guide individuals and families on their journey to financial independence and help prepare investors to be savvy in the management of their personal wealth.

  • Fiduciary Financial Advice
  • Retirement planning
  • 401(k) plan options
  • Employee stock purchase plan
  • Restricted Stock
Guide to Successful Investing
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