Blog
Practical articles on taxes, investing, cash flow, retirement, and financial planning.
Tax Strategies for High-Income W-2 Employees: 2026 Guide
The best tax strategies for high-income W-2 employees for 2026: retirement accounts, RSUs and stock options, giving, and income timing, all in one plan.
What a Separate CPA and Financial Advisor Really Costs When You Have RSUs
Separate CPA and advisor invoices look fine until RSU withholding, vest timing, and AMT sit in different silos. Here is what the public fee ranges look like and where the handoff fails.
Post-Liquidity Tax and Planning Checklist
After an IPO unlock, tender, or secondary, use this checklist for taxes, cash, and diversification before the year runs ahead of you.
RSU Tax Withholding and Sell-to-Cover: How Vesting Taxes Work
Employers usually withhold a flat 22% on RSU vests and sell shares to cover it. That deposit often sits below what your Form 1040 owes.
Do Roth Conversions Count as Income? A Planning Guide for High Earners
Roth conversions count as taxable income, but not all of it may be taxed. See what's taxed, how it affects your bracket and MAGI, and when converting makes sense.
Why Are RSUs Taxed So High? How to Close the Withholding Gap Before It Becomes an April Surprise
RSUs aren't taxed at a special rate. They're withheld at a flat rate that often falls short. Here's why the gap happens and what determines your tax bill.
What Is a Flat-Fee Financial Advisor? (2026 Guide)
How flat-fee financial advisors work, what they cost, and how a flat fee compares to the 1% AUM model for high earners.
How Much Does a Crypto Tax Accountant Cost? (2026 Guide)
A specialized crypto tax CPA typically runs $500 to $3,000+ a year. Here is what drives the cost, and when software alone is enough.
Best Domain Money Alternatives: 2026 Flat-Fee Advisor Comparison
Domain Money is a flat-fee CFP membership costing $3,900 to $9,000 in year one. Here are the closest alternatives and how they differ on price, taxes, and scope.
Nino is live in beta: The advice that used to require a family office, for the rest of us
A product that finally understands your financial situation, plus a CFP and CPA team
What Happens When You Die Without a Will
With no will, the state's default rules decide who inherits, who's in charge, and who raises your kids. Here's what actually happens.
Top 4 Facet Wealth Alternatives to Consider in 2026
Facet charges a flat annual fee of roughly $2,100 to $8,700. Here are the closest alternatives and how they differ on price, in-house tax filing, and scope.
ISO vs NSO: What's the Difference?
Both are the right to buy company stock at a fixed price. The difference is when and how you're taxed, and new 2026 rules raised the stakes.
What Is a Trump Account? Eligibility, Limits, and How to Enroll
A new tax-advantaged account for kids launches July 2026. Here's who qualifies, the limits, the $1,000 government seed, and how to enroll.
How to use your house as a financial tool
For high-net-worth households, a low-rate mortgage isn't a liability to extinguish. It's the cheapest, most flexible capital you have. Here's how to use it deliberately.
529 Plans Just Got a Major Upgrade. Here's What High Earners Need to Know
The rules changed in 2025 and 2026. The most valuable upgrade rewards you for acting 15 years early. The most-hyped one can quietly cost you on your state return.
The Hidden Math of Liquid Tech Equity (And the SpaceX IPO Shock)
The SpaceX IPO turned paper equity into real wealth and a complex tax problem. Here's the option math behind it, and how to plan for yours.
The Cost of "One-Size-Fits-All" Financial Advice for Tech Professionals
Why selling your equity the moment it vests isn't automatically right, and the framework that is.
How Much Does a Financial Advisor Cost in 2026? (AUM vs. Flat Fee)
Most advisors charge about 1% of assets a year; flat-fee planners charge a set $2,000 to $9,000. Here is what each model really costs over time.
What is QSBS? Section 1202 Tax Exemption Rules (2026 Guide)
Qualified Small Business Stock can exclude up to $15 million of capital gains from federal tax. Here are the rules, the holding periods, and what a 2025 law changed.
RSUs vs. Stock Options: Taxation, Key Differences, and Planning Guide
RSUs are taxed automatically as ordinary income at vesting. Stock options let you control when you trigger tax at exercise. Here is how each works.
Buy, Borrow, Die: How the Tax Minimization Strategy Works
A wealth-preservation strategy that turns appreciating assets into tax-free cash by borrowing instead of selling, with the step-up in basis as the key.
How to File a Section 83(b) Election: Step-by-Step Guide
A Section 83(b) election taxes your restricted stock at grant rather than at vesting. Here is how it works and how to file within the strict 30-day window.
Introducing Nino
The night I went quiet at dinner
Want help putting a guide into practice?
Book a free 25-minute demo. A dedicated CPA and CFP can help you apply these guides to your taxes, cash flow, and plan. Start a one-year membership by August 31, 2026 and get $500 off your first year. Every plan has a 30-day money-back guarantee.
Book a demo See $500 off through August 31