Blog by Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA

Potential Economic Outcomes and Strategies for Interest Rate Cuts

09/13/2024 08:13 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Potential Economic Outcomes and Strategies for Interest Rate Cuts
The Fed’s potential rate cuts could impact bonds, stocks, real estate, and loan rates in varying ways depending on the broader economic environment, making diversified investments and strategic debt management essential for navigating these uncertainties.

Equity Compensation Series: Incentive Stock Options

09/05/2024 05:48 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Incentive Stock Options
Incentive Stock Options (ISOs) provide employees the opportunity to purchase company stock at a set price with potential tax advantages, but they require careful financial, investment, tax, and estate planning to manage risks and optimize benefits.

Equity Compensation Series: Non-Qualified Stock Options

08/29/2024 10:39 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Non-Qualified Stock Options
Non-Qualified Stock Options (NSOs) grant employees the right to buy company stock at a predetermined price, offering potential financial gains but also carrying risks such as tax liabilities and stock price volatility.

401(k) to IRA Rollovers: What You Need to Know

08/22/2024 09:43 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
401(k) to IRA Rollovers: What You Need to Know
Rolling over a 401(k) to an IRA offers greater investment flexibility and potential cost savings, but it requires careful consideration of the disadvantages before proceeding.

SEP IRA vs Solo 401(k): Which is Right For You?

08/16/2024 11:54 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
SEP IRA vs Solo 401(k): Which is Right For You?
SEP IRAs and Solo 401(k)s offer distinct retirement planning options for self-employed individuals, with differences in contribution limits, Roth availability, and eligibility that require careful consideration.

Understanding and Navigating the Recent Market Volatility

08/07/2024 03:37 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Understanding and Navigating the Recent Market Volatility
Recent market volatility, driven by factors such as mixed economic data, geopolitical tensions, and interest rate speculations, highlights the importance of long-term investment strategies and seeking professional financial guidance.

Understanding the Yield Curve and Its Impact on Investments

08/04/2024 09:05 AM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Understanding the Yield Curve and Its Impact on Investments
The yield curve, currently inverted, is a critical economic indicator that signals potential recessions, and understanding its behavior, especially as it un-inverts with potential interest rate cuts, is essential for informed investment decisions.

5 Things You Need to Know About Self-Directed IRAs

07/30/2024 06:24 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
5 Things You Need to Know About Self-Directed IRAs
A self-directed IRA (SDIRA) offers greater investment flexibility, allowing for alternative assets like real estate and precious metals, but requires a higher level of responsibility and understanding of associated rules and fees.

Should You Invest in a Spot Ethereum ETF?

07/23/2024 02:31 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Should You Invest in a Spot Ethereum ETF?
Spot Ethereum ETFs are now available for investing. Here's a discussion of what they are, how you can invest in them, and what they could do for your porfolio.

Equity Compensation Series: Restricted Stock Units

07/18/2024 05:28 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA - Comment(s)
Equity Compensation Series: Restricted Stock Units
Restricted Stock Units (RSUs) are equity compensation tools that provide company shares to employees upon fulfilling vesting conditions. Proper financial planning is essential to effectively manage the risks and optimize the benefits associated with RSUs.
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