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Primer on 10b5-1 Plans Thumbnail

Primer on 10b5-1 Plans

If you are one of the senior executives of a company, you may be subject to putting in place a 10b5-1 plan to transact your company stock, as well as you exercising and selling your options. While putting such a plan in place can be daunting, it is an incredibly powerful tool for individuals to divest out of their concentrated equity position in a way that is both appeases the capital markets and helps the individual meet their financial planning goals. In this primer, I take a look at what purpose 10b5-1 plans serve, as well as some key considerations to keep in mind when putting a plan in place.

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Three Financial Planning Tips for 2021 Thumbnail

Three Financial Planning Tips for 2021

With the start of 2021, many have written down their New Year's Resolutions and have begun to work towards them. Often, these Resolutions include some financial objectives. Here are three tips that we think are relatively easy to do and can go a long way to helping you meet your financial goals.

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Introducing the Summarized Financial Plan Thumbnail

Introducing the Summarized Financial Plan

A financial plan is a document containing a person's current financial situation and long-term financial goals, as well as strategies to achieve those goals. Typically, it involves putting together a combination of cash flow planning, education planning, insurance analysis, debt analysis, retirement planning, and stock option planning. It also involves aligning one's assets (home, rental properties, private stock, retirement & brokerage accounts) to ensure that they are meeting one's long term financial goals. A good financial plan is a road map to help one achieve their desired financial outcomes.

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9 Reasons You Might Need Life Insurance Thumbnail

9 Reasons You Might Need Life Insurance

Death is a difficult topic to discuss and think about, especially when it comes to planning for your own mortality. To minimize the amount of time thinking about death, people will often use simple formulas or arbitrary numbers to get to the "right" amount of life insurance. This usually works out fine, but it doesn't always explore why you need that amount of insurance. If you don't think life insurance is for you or are on the fence about it, here are 9 reasons why you might consider exploring life insurance for you and your family.

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Divesting After an IPO Thumbnail

Divesting After an IPO

The IPO or direct listing of a company you’ve been a part of is an exciting event that is the culmination of years of triumphs, setbacks, growing pains, and uncertainty. The elusive promise of liquidity is finally coming to fruition, but that doesn’t mean the benefits of concentrated equity planning are over.

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Education Planning - Funding a 529 Plan Account Thumbnail

Education Planning - Funding a 529 Plan Account

College sticker prices have been outpacing core inflation for the last several decades, averaging 3.6% per year for private colleges and 3.7% per year for public colleges (tuition plus room and board) over the last 10 years. This is lower than the 5% per year and 6.6% tuition inflation of the 2000s, but core inflation was higher during the 2000s as well (1).

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