Insights
The Smart Way to Pay Less Tax on Company Stock in Your 401(k) Using NUA
When you contribute to a 401(k), your investments grow tax deferred. But when you start taking distributions, you typically pay ordinary income taxes on the entire amount withdrawn. However, if you own your employer’s publicly traded stock inside your ... Read more.
Financial-Planning.com: What’s the right ratio of U.S. and foreign stocks?
John Foligno shares his take on Financial-Planning.com “Ask an Advisor” (April 13, 2023) Dear advisors, What would be a good allocation between domestic and international stocks? I'm a 36-year-old tech worker in New York City, and I have about ... Read more.
With a pension plan, is an annuity or lump-sum payout better for me?
If you are one of the more fortunate to receive a pension, there may be several different payout options, like a lump-sum payout, and understanding the pros and cons of each can make a significant difference in ... Read more.
Why does my small business struggle with employee retention and what can I do to improve it?
Employees are by far your most valuable asset and retaining them can lead to greater profitability. In fact, research has shown that by focusing on engagement, a business can see over 20% higher profitability[1]. But there are several challenges ... Read more.
I am nervous about making big financial decisions. How can a Financial Planner help?
A comprehensive financial plan can help when making big decisions that will impact your finances. When can I retire? Should I use a windfall to pay off my mortgage early? How much do I need to save to retire ... Read more.
