The Cadden Sizemore Group at Morgan Stanley

04/01/2026

A real conversation I had with a friend of mine on the golf course... "I got a surprise tax bill from my last stock vesting, and my advisor told me there's nothing I can do about it."

Equity compensation can be a powerful wealth builder—but the tax details matter just as much as the potential upside.

A few quick reminders to keep in mind:
· Not all equity is taxed the same. RSUs are typically taxed as ordinary income when they vest, while stock options may have tax impact at exercise and/or sale depending on the type.
· Withholding may not equal what you owe. The default tax withholding on vesting/exercise can be a starting point—not the final bill—especially for higher earners. Check with your plan provider to see what they're withholding for you.
· Timing can change outcomes. The decision to exercise, hold, or sell (and when) can affect ordinary income vs. capital gains treatment and your cash flow.
· Concentration risk is real. If company stock is becoming a large portion of your net worth, it may be time to revisit diversification.

This is general information, not tax or legal advice. Tax rules are complex and can change—please consult your tax advisor for guidance specific to your situation.

01/29/2026

Please join us in congratulating Ken Cadden CIMA®, CRPC® on his well-deserved promotion to Executive Director. Ken's leadership, dedication to clients, and commitment to excellence continue to make a meaningful impact on our team and the people we serve. We're proud to celebrate this milestone and look forward to what's ahead—congratulations, Ken!

01/21/2026

We're proud to share that the Cadden Sizemore Group has been recognized in the 2026 Forbes Best-in-State Wealth Management Teams ranking for the state of Virginia. We're so grateful for the confidence of our amazing clients and the dedication of our amazing service professionals - this achievement wouldn't be possible without you. We're excited to keep doing what we love and supporting our clients' goals in the year ahead!

2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes. Awarded Jan 2026. Data compiled by SHOOK Research for the period 3/31/24–3/31/25. https://www.morganstanley.com/disclosures/awards-disclosure/

11/26/2025

The Cadden Sizemore Group wishes you and your family a very happy Thanksgiving! We're thankful for your continued support and confidence in us, today and every day.

05/19/2025

Please join us in welcoming Mike Lavery to The Cadden Sizemore Group!

With over 40 years of experience in the financial services industry, Mike brings a full-service, highly personalized approach to wealth management. His strategic clarity and steady guidance have helped guide clients through every stage of the financial journey.

A familiar name to many in Richmond, Mike was the voice of daily market commentary on WRVA for over 25 years. We're proud to have him on board!

02/19/2025

Thank you to Forbes for the recognition on this year's Best-In-State Wealth Management Teams ranking! It's an honor for The Cadden Sizemore Group to be recognized among this group of outstanding professionals who consistently work to raise the standards in our industry.

[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]

04/25/2022

Congratulations to Ken Cadden, CIMA®, CRPC® and Ken Sizemore, CIMA®, CRPC® who were once again among a talented group named to Forbes Best in State Wealth Advisors for 2022. Thank you to Forbes Magazine and the team at SHOOK Research.

02/16/2021

Congratulations to founding partners Ken Cadden, CIMA, CRPC and Ken Sizemore, CIMA, CRPC! This year Ken and Ken each made the list of “Best-in-State Wealth Advisors” in Virginia published by Forbes Magazine for the 2nd time!

04/03/2020

We've been getting more bullish the past few weeks even though the economy and earnings are quite likely to get worse. See why in On the Markets:

12/12/2019

5 Year-End Ideas for your Personal Wealth to Consider:

1. Harvest Losses in Brokerage Accounts: Use losses in your stock positions to counteract gains in other investment vehicles and/or to carry forward to future years.

2. Be Aware of Capital Gains Taxes in Brokerage Accounts: At the end of the year, and particularly an up-market year like 2019, mutual fund companies pass on gains they have realized throughout the year to you, the investor. Most folks reinvest these, but you still must record them as a gain on your return for 2019.

3. Make your IRA Contributions to Receive a Deduction if Eligible: At certain income limits you may qualify for a deduction on your IRA contributions. Remember, that max is $6,000 if under 50 and $7,000 if over 50 for 2019.

4. Make a Plan on How to Lower Next Year’s Taxes: Sit down with a CERTIFIED FINANCIAL PLANNER™ (I know one you could talk to) and discuss how to be as tax efficient with your investments as possible given your other goals in 2020.

5. Reduce Taxable Income using a Donor Advised Fund: A great vehicle for charitable giving. You receive an immediate tax deduction upon contributing, and then you get to take your time deciding which charities/501c(3) organizations in which to give.

Comment with other ideas!

CRC 2858963 12/19

12/04/2019

This is one of the best articles on Retirement Planning in a major publication that I've read in a long time. There is so much more to life than getting X return so you can live on Y dollars for Z amount of years. You only get one shot at retirement so MAKE IT COUNT by defining your values, why, what, and how.

Many folks do financial planning backwards. They focus right away on strategies and tactics, when the first step should be identifying goals worthy of pursuing.