Should You Defer Your RSUs? 2026 Tax & Risk Guide
If your compensation statement gives you an RSU deferral election, the real question is not simply “Can I push the tax bill into a later year?” It is…
Investment Planning Archive
Continue exploring portfolios, risk, asset allocation, college savings, brokerage accounts, investing costs and long-term decisions.
Understanding Series I Savings Bonds: A Smart Treasury Investment?
Series I Savings Bonds are U.S. Treasury savings bonds designed to protect purchasing power from inflation. Their rate combines a fixed component that stays with the bond for…
Financial Coach vs. Advisor vs. Planner: Which Do You Need?
A financial coach is generally best for money behavior and accountability. A financial planner is generally best when several parts of your financial life need to work together.…
Capital Gains Yield Calculator & CGY Formula
Capital gains yield, or CGY, measures how much an investment’s price rose or fell relative to its beginning price. It isolates price appreciation or depreciation. It does not…
APY Calculator: Calculate Annual Percentage Yield
An APY calculator converts a stated annual interest rate and compounding frequency into an annual percentage yield, then shows how that compounding can change your estimated balance over…
Confused Which Types of College Savings Accounts To Choose From?
College costs have absolutely exploded in recent years. I’m talking about a 25%-30% increase in just ten years. Insane, right? Look, I know that sounds scary, but I’ve…
Simple ROI Calculator – What is Return on Investment & How To Use The Formula
After 30 years managing client portfolios through boom-bust cycles, I’ve noticed a critical blind spot: a simple ROI percentage does not tell you what you actually keep. Taxes,…
Future Value Calculator With Contributions, Fees & Inflation 2026
A future value calculator projects what money could be worth later based on a starting balance, ongoing contributions, time, and an assumed rate of return. The math is…
Friend or Foe? Compound Interest Calculator & How To Use The Rule of 72
The straight answer: Compound interest is the interest you earn on both your original principal and the accumulated interest from previous periods. The Rule of 72 is a…
Risk Tolerance in Investing: How Much Risk Can You Really Handle?
Let’s stop guessing about your risk tolerance. After nearly 30 years in financial planning, one pattern showed up repeatedly. People often feel comfortable with risk while markets are…