Cypress Wealth Services

09/09/2026

In the latest article from our Financial Insights for SpaceX Employees and

Executives series, we look at a potential surprise with incentive stock options: you could owe taxes before you have the cash to pay them.

Exercising ISOs can create Alternative Minimum Tax (AMT) exposure—even if you haven’t sold your shares. And if the stock price falls afterward, the planning challenge can become even greater.

Learn what SpaceX employees should consider before exercising stock options.

Read the article: https://www.cypressws.com/blogs/can-exercising-spacex-stock-options-create-a-tax-bill-before-you-have-the-cash-to-pay-it--6tVp

09/08/2026

In the latest Guiding Google article, we ask a simple question: Should you really max out every retirement account?

More isn’t always better. Taxes, liquidity, timing, and your bigger financial picture all matter.

See what to consider before deciding where your next retirement dollar should go.

Read the article here: https://www.cypressws.com/blogs/should-you-maximize-every-retirement-account-

09/07/2026

Leaving an inheritance is about more than transferring assets. It’s also about preparing your family for what comes with them.

Clear communication, thoughtful planning, and helping the next generation understand your intentions can make a meaningful difference in how wealth is received and managed.

In our latest article, we explore practical ways to prepare your family for an inheritance and create a smoother transition for the people you care about.

Read the full article below.

https://www.cypressws.com/blogs/how-can-i-prepare-my-family-for-an-inheritance-

09/04/2026

Most couples have a financial plan for retirement. But do you have a plan for what happens if one of you needs care?

A caregiving plan helps couples think through important questions before a health event forces them to make decisions under pressure.

In our latest Aging with Dignity article, we explore what a caregiving plan is, what it should address, and why having these conversations now can help protect both you and the people you love.

Read the full article below.

https://www.cypressws.com/blogs/what-is-a-caregiving-plan-and-why-should-every-couple-have-one-

09/03/2026

Creating a trust and estate plan is an important step, but it shouldn’t be a one-time event.

Changes in your family, finances, retirement plans, tax laws, or personal goals can all be reasons to take another look at the plan you have in place.

In our latest article, we discuss how often you should review your trust and estate plan and some of the key life events that may signal it’s time for an update.

Read the full article below.

https://www.cypressws.com/blogs/how-often-should-i-review-my-trust-and-estate-plan-

Financial advisor in Palm Desert helping retirees and families with planning, investments, and tax coordination across the Coachella Valley.

09/02/2026

Do you need a trust?

For SpaceX employees and executives, growing wealth can also bring greater complexity, especially when it comes to protecting assets and planning for how they will eventually transfer to family.

A trust isn’t necessary for everyone, but it can be an important part of a thoughtful estate plan.

In our latest Financial Insights for SpaceX Employees and Executives article, we look at when a trust may make sense and some of the key factors to consider.

Read the full article below.

https://www.cypressws.com/blogs/how-do-i-know-if-i-need-a-trust-

09/01/2026

For many Google employees, RSUs are a meaningful part of compensation and long-term wealth. But they can also create tax consequences that are easy to overlook.

Understanding when RSUs are taxed, how withholding works, and what happens when shares are sold can help you avoid unexpected surprises and make more informed decisions.

In our latest Guiding Google article, we break down what Google employees should know about RSUs and taxes.

Read the full article below.

https://www.cypressws.com/blogs/can-rsus-create-tax-surprises-for-google-employees-

08/29/2026

If something happened to you tomorrow, would your family know where to start?

Your accounts, insurance policies, estate documents, and financial plan may all be in place—but that only helps if the right people know what exists, where to find it, and whom to contact.

In our latest article, Bill Gordon, CDFA®, explains how to create a simple roadmap for your financial life without giving everyone access to everything. A little organization today can help prevent your loved ones from having to solve a financial puzzle during an already difficult time.

Read more: https://www.cypressws.com/blogs/what-financial-information-should-your-family-know-how-to-access-

08/28/2026

Talking with aging parents about long-term care can be difficult. What feels like responsible planning to an adult child may feel like a threat to a parent’s independence.

The conversation often becomes more productive when it begins with their wishes—not with what you think they should do. Where would they want to receive care? What kind of help would they expect from family? Who would make decisions if they could not?

In our latest article, Jim Bray, CFP® CEPA®, shares practical ways to begin this important family conversation before a crisis forces decisions to be made quickly.

Read more: https://www.cypressws.com/blogs/how-do-i-get-my-aging-parents-to-start-planning-for-long-term-care-

08/27/2026

Should retirees automatically reduce investment risk as they get older?

Not necessarily.

Retirement changes the role your investments play, but age alone should not determine how conservative your portfolio becomes. Income needs, withdrawal rates, Social Security, pensions, time horizon, inflation, and long-term goals all matter.

In our latest article, Ross Biesinger explains how retirees can balance the need for near-term stability with the potential need for decades of continued growth.

Read more: https://www.cypressws.com/blogs/when-should-retirees-reduce-investment-risk-

Financial advisor in Palm Desert helping retirees and families with planning, investments, and tax coordination across the Coachella Valley.