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Why It’s Best to Ignore Individual Stocks

Why It’s Best to Ignore Individual Stocks

Buying an individual stock is like placing your money on a single number in roulette, but much, much worse. In the United States, there are hundreds of large investment firms trying to pick the best stocks. Within these firms are talented, educated and well-connected analysts whose sole responsibility is to know whether to buy or sell 5-10 individual stocks.

The Importance of Having Access to Your Money

The Importance of Having Access to Your Money

Needing access to your investment accounts in an emergency creates enough of a logistical hurdle but holding investments that may take weeks or months to sell can really cause a problem.

Here’s a Secret: Your Financial Plan Is Wrong

Here’s a Secret: Your Financial Plan Is Wrong

They say close only counts in horseshoes and hand grenades. Close also counts in financial planning if you are diligent enough to continue to plan. Today’s financial tools offer terrific detail regarding your financial future.

Get to Clarity, Control & Intention

Get to Clarity, Control & Intention

What is Financial Planning? I like to think about it in a very simple way. You need to have clarity in your finances before you can have control. Once you have control, you can be very intentional.

Understand Your Plan Will Not Come True

Understand Your Plan Will Not Come True

Think back to your time in school. Where did you think your life was headed? Has that come true? Now think back just five years and again, where did you think your life was headed?

Change Your Financial Plan

Change Your Financial Plan

It might seem strange that I would suggest this given I don’t even know what your Financial Plan is, or even if you have one. But hear me out.

Take Advantage of Lower Capital Gains Tax Rates

Take Advantage of Lower Capital Gains Tax Rates

We all know we get taxed many different ways, and it’s important to understand them all at least to some degree. I want to focus on the capital gains tax and how we can use these rates to our advantage.

Have a Long-Term Portfolio Strategy in Place for Your Cash from Selling Company Stock

Have a Long-Term Portfolio Strategy in Place for Your Cash from Selling Company Stock

Once you have a plan in place to sell your Company Stock over time, be sure that money has some place to go. We don’t ever want our money to be without a job and the cash you get from your Company Stock is no exception.

Have a Strategy for Each Block of Vesting Shares

Have a Strategy for Each Block of Vesting Shares

No longer should we simply let these (newly vested shares) drift into our portfolio without a strategy or reason to hold vs. sell. Instead, we are going to develop a strategy for each block of vesting shares.

Know the Tax Effect of Selling Your Company Stock

Know the Tax Effect of Selling Your Company Stock

Taxes are a fact of life. I talk to a lot of people who are trying to find the super-secret way that people with money avoid paying taxes. I’m here to tell you – it doesn’t exist.

Risk-Reward of Your Company Stock

Risk-Reward of Your Company Stock

We make decisions in everyday life based on seeking a reward given the risk we are willing to take. Without risk, there is no reward.