I have been in financial services since the late 1990s. A lot has changed during that time. The internet is no longer America Online. Technology has changed the way the world shares information. This information is available to everyone, all the time, anywhere from your cell phone that you probably use more for things other than making a phone call. …
Maximizing your Employee Benefits
I have seen a lot of people over the years leave a lot of money on the table by not taking advantage of all of the benefits that their employer was offering them. Your total compensation could be more than just your wages if your company offers additional benefits. The three most common mistakes I seen as the following: Not …
Unintentional Stock Concentrators
Do you unintentionally concentrate your portfolio on one stock? Most people don’t realize its’ even happening. I view a concentration issue as having more than 20% of your portfolio in 1 stock. My office is located in a heavy technology company area. These tech companies have all sorts of retirement and stock plans, including: ESPP, RSU, Stock Options, Profit Sharing, …
401k Rollover ? | Retirement Planning
A 401k plan participant leaving an employer typically has four options (and may engage in a combination of these options): Roll over assets to an IRA Roll over the assets to his new employer’s plan, if one is available and rollovers are permitted Leave the money in their former employers plan, if permitted or cash out the account value. A …
Employee Stock Purchase Plan | ESPP
Employee Stock Purchase Plans (ESPP) are company administered benefit programs that offer employees the opportunity to purchase common stock in their company, typically at a discount. Advantages of an ESPP Discount offers incentive to save/invest Convenient contributions through payroll deduction No commitment to purchase specific number of shares Discounted purchase price of stock (if your plan offers) Low purchase/Sell transaction …
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