A biweekly newsletter from our Founder & Portfolio Manager, Ryan A. Hughes. Straight talk on markets, taxes, and money. Read by 2,700+ people who value clear thinking.
Key Takeaways: Most people really don’t enjoy the budgeting process. For some people, the word “budget” brings to mind spreadsheets, expense tracking, and saying no to everything you enjoy. But budgeting doesn’t have to mean obsessing over every dollar you spend. At its core, budgeting is simply about understanding your cash flow: how much money...
Key Takeaways: For many professionals in tech, biotech, and other high-growth industries, company stock starts as a valuable part of compensation. It can eventually become one of the largest pieces of their net worth. That ownership may come through RSUs, Restricted Stock Awards (RSAs), or stock options. The challenge is that a benefit designed to...
Finding a good financial advisor can be daunting. You’re being asked to entrust your entire financial future to this person. Get it right, and it can mean financial freedom for you and your family. Get it wrong, and it can set you back years. The problem is that there are a lot of pretenders out...
Where should you save your next dollar? Should you prioritize an emergency fund or pay off high-interest debt? Max out your 401(k) or fund a Health Savings Account first? These are not trivial questions. The order in which you save and invest your money has a direct impact on your long-term wealth and tax efficiency....
Every year, the IRS and Social Security Administration adjust key financial planning numbers for inflation. These changes affect how much you can save, how much you’ll owe, and how you should be thinking about your money. Here are the most numbers for 2026. Retirement Account Contribution Limits 401(k), 403(b), and 457 Plans The employee deferral...
Last updated: January 2026 Credit cards designed for those who spend significant amounts of money become a gateway to a world of luxury. If your income is high and this type of spending works for you, it’s something to consider as part of your wealth management strategy. Yet, with so many credit card offerings specifically...
There’s a new-ish investment strategy out there (new-ish to retail investors, at least), direct indexing, that’s gaining popularity among high-income earners. It seems to be on the radar of many people, as we’ve had numerous conversations with prospects and clients on this topic lately. Direct indexing, in a nutshell, is a pretty straightforward process: create...
I recently sat down with ABC 10News to share some thoughts on how investors can approach today’s stock and crypto markets. The key takeaway? Know what you are investing in and have patience. The point of investing is to prepare for the future. Not just your goals, but also to stay ahead of inflation. If...
If you want someone handling your finances who actually has your best interests in mind, then you should work with a fiduciary financial advisor. The problem is that there is so much confusion and misinformation about financial industry professionals. What is the difference between a financial advisor, a financial consultant, and a wealth manager? What...
Looking for 2026 figures? See our 2026 Important Numbers guide. A few important tax, savings, and retirement planning updates are coming up in 2025. Feel free to download our PDF guide below. I’ve also summarized the main topics you most likely want to know below. Increased Retirement Plan Contribution Limits: The employer retirement plan (401(k),...
If your financial life is getting more complicated or if you find that you don’t have the time nor the expertise to manage your investment portfolio, don’t worry – there are plenty of financial advisors who make their living optimizing, managing, and improving their client’s financial position. However, finding a quality financial advisor can be...
If the prospect of Excel spreadsheets, budget tables, and monthly portfolio statements bore you to tears, you might be wondering, “Do I need a fiduciary financial advisor?” Managing and planning your financial life isn’t easy. It’s more difficult now as inflation rises and market forces remain unpredictable, shattering more than one dream of long-term wealth...
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