The Tax Trap That Locks You Out of Your Own Equity   If you work for a company and part of your pay is in equity, you probably want the same thing your leadership team wants. You want the valuation to rise. You want the headline. You want the number to get bigger. But if...Read More

My Vacation to The Dominican Republic Made Me Think About Luck   I’m writing this from the Dominican Republic.   I’m here with Christina and the kids. My brother, his wife, and their three kids. My parents, too. The whole crew. We’re eating good food, watching the kids run around like maniacs, and spending time...Read More

OBBA Tax Changes Everyone Needs To Know About   When a large tax bill passes, most people only see the headlines. The details rarely enter everyday conversations, even though those details influence what families actually pay. I put this fact sheet together to help explain the new rules in the One Big Beautiful Bill more clearly....Read More

How the Next Generation Sees Money   My kids get money all the time. Birthdays. Holidays. Chores. Grandparents who love slipping cash into cards. You would think they would be thrilled. Instead they treat cash like an inconvenience. They prefer their money to be in their bank accounts or on Apple Cash. They don’t carry...Read More

A Season of Fatigue Without the Panic   Every year around the holidays, people tell me they are exhausted. This year feels even heavier. Families are dealing with stubborn prices, mixed economic signals, and coming out of the longest government shutdown on record. You can sense it in everyday conversations. You can see it in...Read More

The Jenga Tower Economy   The economy right now reminds me of a long game of Jenga. The tower grows taller, and everyone cheers. Then you look closely and notice the bottom shifting just a little each time. That is where we are in 2025.   A Tower That Looks Strong from Far Away  ...Read More

How Investment Advisors Are Structured   Most people don’t think about how financial advisors are actually set up. They shouldn’t need to. But the structure behind an advisor tells you a lot about how they’re paid, who they answer to, and what their incentives look like. It starts with understanding the two big regulatory worlds...Read More

When Everything Costs Too Much      For much of my career, I believed that a recession was the worst economic threat. Job losses. Businesses closing. Families stressed. That’s all real and painful. But lately I’ve come around to thinking the more subtle risk, lack of affordability, is doing more damage right now than a...Read More

Are We In A Bubble?   Why We’re Not in a Bubble Yet  The stock market has been on a wild run. Big Tech keeps setting new records, AI is reshaping industries overnight, and investors everywhere are asking the same question: “Is this another bubble?”   Goldman Sachs tackled that question in a recent report...Read More

Stop Letting Uncle Sam Eat Your Returns: Why High Earners Need a Real Tax Strategy, Not Just Index Funds      If you and your spouse are high-income professionals with part of your compensation through RSUs or ISOs, you already understand how complicated taxes can become. You don’t just have a paycheck. You face vesting...Read More