ViviFi Planning

06/13/2023

In our family's 👨‍👩‍👧‍👦 experience, how much we spend 💰 on 🏖️ has nothing to do with how much fun we have or the we make. Some of the least grandiose ⛺ are the trips 🚗 we still talk about most. 🤔

What are your most memorable vacations? 🙋

06/02/2023

The world🌎can't stop talking🎙️about AI🤖. But what does it mean for how you do your financial planning?🛫

05/25/2023

Should you hold onto your company's stock while the price is down? 📉

In Part 2 of my series "My Company's Stock Price Is Down, Now What?" learn some of the pros and cons as well as ideas for those that decide to hold.

👍 Pros

✅ Possible recovery
✅ No immediate tax
✅ Belief in the company
✅ Seen as a team player

👎 Cons

❌ Potential for more losses
❌ Missed opportunities in other investments
❌ Higher risk and lack of control
❌ Emotional rollercoaster

Stay tuned for the next installment on hedging risks!

It’s a natural reaction to hold onto your company’s stock while the price is down. You might, however, be curious about some of the pros and cons of waiting for the share price to recover. Let’s get started.

03/20/2023

If your company is and will raise capital in the future, this video is for you. 90 seconds covering the potential impacts of on access to funding and what it means for employees.

03/16/2023

03/11/2023

Amidst the Silicon Valley Bank developments, let us remember that real people - just like you and me - will be hurt by this at no fault of their own. Rather than kicking back to relax on this Friday night, they are quite suddenly afraid that their livelihoods will be in jeopardy as they try to provide for their loved ones.

Now, if you work for a pre-IPO company, the next two questions to ask are:

1) Does my company bank at SVB?
2) Is SVB an investor in my company?

If you are employed by a pre-IPO company and answered "yes" to either of the above, I'll provide you with two hours of consultation at no charge to try to make sense of your situation. DM me if you'd like help.

03/07/2023

💡For -savvy employees 🤔, a stock option can create powerful opportunities. With stock prices still down 📉, more and more companies are choosing this path. 🥾

But tax strategies are not limited to stock options. RSUs and ESPPs have their own unique approaches for the current market. 📊

More to come as my series “My Company’s Stock Price Is Down, Now What?” continues. In the meantime, get started with the first installment here. 👇

When your company’s stock price falls, the experience is downright painful. Making things worse, knowing what to do next can be exceedingly challenging. In this series, I’ll help you make sense of the drop and provide several different approaches for handling your concentrated stock during turbu...

02/16/2023

When your company’s stock price falls 📉, the experience is downright painful. In this , I’ll help you make sense of the drop ↘️ and share approaches for handling your stock in choppy waters 🌊.

When your company’s stock price falls, the experience is downright painful. Making things worse, knowing what to do next can be exceedingly challenging. In this series, I’ll help you make sense of the drop and provide several different approaches for handling your concentrated stock during turbu...

01/04/2023

Thinking ahead about technology in my practice, I haven't found any words truer than these by Seth Godin: "Technology begins by making old work easier, but then it requires that new work be better." 💭👨‍💻🤖

12/07/2022

Have a nagging feeling that something needs to get done by the end of the year, but not sure where to begin? Peruse these 9 year-end financial planning ideas to get the ball rolling.

The end of the year is full of holidays, family, friends, and planning! Many time-sensitive financial planning topics coincide with the end of the year. I hope the content and questions below will shed light on some items I’m working through with clients as we turn the corner on 2022.

12/02/2022

🤓🚨 Likely the nerdiest statement I'll make in all of 2022: There is no puzzle so uniquely interesting - and valuable - in financial planning than reviewing a tax return.

11/09/2022

Our financial lives don’t have to be so complex. Learn techniques to simplify yours.

As a Certified Financial Planner™, it will come as no surprise to you that I have a tendency toward optimization – seeking perfection in any endeavor. But the benefit clients often tell me they value most isn’t necessarily when we dive deep into the weeds; it is the help simplifying their comp...