Avier Wealth Advisors

05/09/2026

When Microsoft announced its first-ever voluntary retirement program in late April, we wrote about what to think through before deciding. Now, eligible employees have received the actual package documents and there’s a lot more to dig into.

If you’re sitting with a stack of VRP paperwork right now, here’s what matters...

When Microsoft announced its first-ever voluntary retirement program in late April, we wrote about what to think through before deciding. Now, eligible employees have received the actual package documents and there’s a lot more to dig into. If you’re sitting with a stack of VRP paperwork right n...

01/09/2026

Divorce is a major life transition. But with the right guidance, you can move forward with clarity and confidence.

As a CERTIFIED FINANCIAL PLANNER™ professional this is something I can help you with.

If you need help navigating financial decisions, building a strategy, or simply understanding your options, I’m here to support you. Feel free to schedule time on my calendar.
https://avieradvisors.com/our-team/tiff-stoner/

01/06/2026

💡 Thinking beyond today: future RSU grants can have a big impact on your financial situation in a divorce.

If one spouse continues at Microsoft, upcoming RSU awards could affect support calculations and long-term planning. A financial advisor or CDFA can help model different scenarios so you’re prepared for what’s ahead.

👉We have a page dedicated to navigating Microsoft benefits, find more helpful resources here: https://avieradvisors.com/microsoft/

12/26/2025

RSUs in a divorce don’t have to be complicated.

You may have a couple options to choose from:
▸ A deferred distribution
▸ Offset with other assets.

Working with a financial advisor or Certified Divorce Financial Analyst (CDFA) can help you evaluate your options and determine what’s fair and practical based on your unique goals and situation.

If you find yourself navigating this situation, find time on my calendar and I’d be happy to help. https://avieradvisors.com/our-team/tiff-stoner/

12/22/2025

One helpful framework for Microsoft professionals: treat your RSUs as if you received the equivalent amount in cash.

Whether you’re handed $70,000 of cash or $70,000 of Microsoft stock, the tax impact is the same. The only difference is the form in which the income arrives.

That leads to an important question:

If this were cash, would you immediately invest all of it into a single stock? Or would you allocate it toward other goals — diversification, savings, debt reduction, or future planning?

Many employees hold RSUs simply because they arrived in stock form, rather than because it’s a deliberate investment decision. Reframing RSUs as income can help bring clarity to your strategy.

Learn more: avieradvisors.com/msft

12/19/2025

Microsoft employees, as we approach the end of the year, many of you have RSUs vesting. This is a key moment to review your strategy.

A few important considerations:
✔️ Are you holding RSUs that have simply accumulated over time?
✔️ Would diversifying immediately at vest create any additional tax? (Often, it doesn’t.)
✔️ Are there opportunities for year-end tax loss harvesting to reduce your tax bill?

We see many employees who could be taking advantage of these planning tools but aren’t aware of how they work—or how much flexibility they actually have.

As year-end approaches, reviewing your vesting schedule, your diversification strategy, and any realized gains or losses can help ensure you enter the new year with a clear and organized financial plan.

Learn more or find time to meet with our team at: avieradvisors.com/msft

12/18/2025

When it comes to RSUs in a divorce, timing and purpose matter. ⏳💼

In Washington, RSUs awarded during your marriage are typically considered community property, but the grant date plays a crucial role. Even unvested shares granted before separation may still be subject to division.

Understanding why each RSU was awarded can help clarify what’s truly shared versus what might be considered separate property.

12/17/2025

If you work at Microsoft, year-end is the perfect time to revisit your tax and retirement strategy.

Most employees know to max out the standard 401(k) contribution…
but many don’t realize they may be eligible to contribute $30,000+ more through the Mega Backdoor Roth.

This is one of the most powerful tax-advantaged savings tools available in Microsoft’s 401(k) plan and it often goes unused simply because employees aren’t aware of it.

As 401(k) limits increase in the new year, reviewing your elections now can help ensure you’re maximizing every opportunity.

Learn more about Microsoft 401(k) and Mega Backdoor Roth planning: https://avieradvisors.com/microsoft/

12/11/2025

Dividing RSUs in a divorce can feel complex. But breaking it down step by step makes it manageable. 💡

Start by identifying your RSU grants. Microsoft employees often have three types:

▶️ On-hire awards
▶️ Annual stock awards
▶️ Performance awards.

Each comes with its own vesting schedule and implications for division. Begin by gathering your grant agreements, vesting schedules, account statements, and pay stubs. This groundwork sets the stage for informed decisions.

For help navigating this process, book a call to get started. https://avieradvisors.com/work-with-avier/

12/05/2025

The final step of estate planning is where most people fall short: Implementation.

We help ensure your accounts, ownerships, and beneficiaries match your estate plan, so your wishes are carried out exactly as intended.

Schedule a call to get started: https://calendly.com/avier-saloni

12/03/2025

Divorce isn’t something you have to navigate alone. ⚖️💼

Building the right team - divorce attorney, financial advisor, and possibly a Certified Divorce Financial Analyst (CDFA) - gives you the guidance you need from multiple perspectives. Each professional brings a unique lens, helping you make informed, confident decisions for your future.

We’re here to help ensure you have the right team in place. Start the conversation here: https://avieradvisors.com/work-with-avier/