6 Saving & Investment Practices All Business Owners Should Follow

6 Saving & Investment Practices All Business Owners Should Follow

In my practice, I often meet with small business owners who have the entire life savings and family fortune tied up to their company. For many of them, their business is the only way out to retirement. With this post, I would like to offer 6 saving & investment practices all business owners should follow. Having Read more »

15 Mistakes in personal retirement planning

As a fiduciary financial advisor, I help my clients achieve their financial goals and ensure a safe path to retirement. I often encounter issues, which if not resolved on time, can impose serious threats to meeting these life objectives. In this article, I would like to share  my experience and guide you through some of Read more »

Municipal Bond Investing

Municipal Bond Investing

What is a Municipal Bond? Municipal bond investing is a popular income choice for many American.  The muni bonds are debt securities issued by municipal authorities like States, Counties, Cities and their related companies. Municipal bonds or “munis” are issued to fund general activities or capital projects like building schools, roads, hospitals and sewer systems. Read more »

14 Effective ways to take control of your taxes

14 Effective ways to take control of your taxes

In this blog post, I will go over several popular and some not so obvious tax deductions and strategies that can help you decrease your annual tax burden. Let’s be honest.  Nobody wants to pay taxes. However, taxes are necessary to pay for pensions, social services, Medicaid, roads, police, law enforcement and so on. Most Read more »

Employee stock options. Part II – Incentive Stock Options

Employee stock options

Incentive Stock Options In the first part of this topic, I discussed the investment and tax treatment of Non-Qualified Stock Options.  In the second part, we will dive into the specifics of Incentive Stock Options. Giving Incentive stock options (ISO) is another way for companies to reward and retain their employees. ISO have more favorable Read more »

Employee stock options. Part I – Non-qualified Stock Options

Employee stock options

What are the Employee Stock Options Employee Stock Options (ESO) are a favorite tool by employers to reward and retain workers. ESO is a contract between the employee and the employer giving the employee the right but not the obligation to purchase company stocks at a pre-determined price in a particular period. ESO are similar Read more »

Investing in MLPs – Risks and benefits

Investing in MLPs

What is an MLP? Managed Limited Partnerships (MLPs) have grown in popularity in the past several years. Many U.S. energy firms have reorganized their slow-growing, but stable cash flow businesses, such as pipelines and storage terminals, into MLPs. MLPs are very attractive for income-seeking investors. They must pass at least 90% of their income to Read more »

10 Ways to reduce taxes in your investment portfolio

10 Ways to reduce taxes in your investment portfolio

Successful practices to help you lower taxes in your investment portfolio A taxable investment account is any brokerage or trust account that does not come with tax benefits. Unlike Roth IRA and Tax Deferred 401k plans, these accounts do not have many tax advantages. Your contributions to the account are in taxable dollars. This is money Read more »