Five8 Financial

06/22/2026

One of the biggest shifts happening in wealth management today:

The conversation is moving from "How much did my portfolio make?" to "How much do I actually keep?"

Tax-efficient investing, Roth conversion planning, charitable strategies, withdrawal sequencing, and proactive tax management can have a significant impact on long-term outcomes.

At Five8 Financial, we're passionate about helping clients understand these opportunities and use them wisely. Education isn't an add-on to our process, it's at the heart of it.

06/16/2026

Investments are only one piece of the picture.

The most valuable conversations we have with clients often aren't about picking investments. They're about coordinating tax strategy, retirement planning, cash flows, charitable giving, and long-term goals into one cohesive plan.

Because seeing the bigger picture can make all the difference.

06/10/2026

The best financial plans bring all the moving parts together.

Investments. Taxes. Retirement. Estate Planning.
They don't exist separately.
Every decision affects the whole plan.

That's why we take a holistic approach to planning. Our goal isn't simply to manage investments, it's to help clients see the bigger financial picture and make informed decisions with confidence.

When every piece works together, better outcomes become possible.

06/03/2026

One of the biggest shifts happening in wealth management today:
The conversation is moving from "How much did my portfolio make?" to "How much do I actually keep?"

Tax-efficient investing, Roth conversion planning, charitable strategies, withdrawal sequencing, and proactive tax management can have a significant impact on long-term outcomes.

"In many ways, taxation has become one of the most important dimensions of portfolio management because it directly influences what clients ultimately keep. Advisors who integrate tax awareness into every stage of the planning and investment process are not simply improving efficiency. They are helping clients make more informed financial decisions across generations."

At Five8 Financial, we're passionate about helping clients understand these opportunities and use them wisely. Education isn't an add-on to our process—it's at the heart of it.

As advisors focus more on after-tax outcomes, tax efficiency is evolving from a year-end exercise into a year-round investment discipline.

03/25/2026

A chart in a podcast between Michael Kitces and John Bowen caught our attention.

It compares what advisors say they provide vs. what high-net-worth clients say they actually receive.

One example:
85% of advisors say they provide tax planning.
Only ~25% of clients think they’re getting it.

For people with complex finances, the difference between investment management and true wealth planning can be significant.

If you’re working with an advisor, it’s worth asking:
Are we just managing investments…
or are we actively planning around taxes, equity compensation, and long-term strategy?

🔗 Full discussion and resources: https://lnkd.in/gCRzD5-n

03/21/2026

3 myths about equity compensation:

1️⃣ “𝗜𝘁’𝘀 𝗳𝗿𝗲𝗲 𝗺𝗼𝗻𝗲𝘆!” – You still pay taxes, and timing decisions matter.
2️⃣ “𝗜 𝗰𝗮𝗻 𝘄𝗮𝗶𝘁 𝗳𝗼𝗿𝗲𝘃𝗲𝗿 𝘁𝗼 𝗲𝘅𝗲𝗿𝗰𝗶𝘀𝗲 𝗼𝗽𝘁𝗶𝗼𝗻𝘀.” – Options expire, and missed opportunities can be costly.
3️⃣ “𝗗𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗶𝘀𝗻’𝘁 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁.” – Concentrating wealth in company stock can be risky.

Understanding your grants, tax implications, and timing can turn equity into real wealth rather than stress.

03/19/2026

🧺🧺 Don’t put all your eggs [[or stocks]] in one basket 🧺🧺

If a large portion of your wealth is tied up in your company’s stock, you’re taking on concentrated risk.

Even with exciting growth potential, it is important to consider:
—Diversifying some shares to reduce risk
—Planning exercises and sales around tax efficiency
—Coordinating with other financial goals like retirement or home buying

Equity compensation is a fantastic benefit—but only if it’s part of a holistic plan.

💡 Tip: Treat your stock like a tool, not a lottery ticket.

03/17/2026

𝗘𝗾𝘂𝗶𝘁𝘆 𝗰𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻: 𝗧𝗮𝘅 𝗯𝗮𝘀𝗶𝗰𝘀 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄
Stock options and RSUs can be exciting—but they come with tax considerations that many employees overlook.

For example:
• 𝗥𝗦𝗨𝘀 are taxed as ordinary income when they vest.
• 𝗡𝗼𝗻-𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱 𝘀𝘁𝗼𝗰𝗸 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 (𝗡𝗦𝗢𝘀) are taxed at exercise on the difference between market price and strike price.
• 𝗜𝗦𝗢𝘀 have special rules—exercising may trigger Alternative Minimum Tax, but long-term gains may be favorable if held.

Understanding your tax exposure ahead of time can save you a lot of stress and surprise bills.

💡 Tip: Talk to a professional who understands equity and tax strategy—it can make a huge difference in your net gain.

03/13/2026

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗲𝗾𝘂𝗶𝘁𝘆 𝗰𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻—𝗮𝗻𝗱 𝘄𝗵𝘆 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀
Equity compensation (stock options, RSUs, ESPPs, and more) can be a powerful part of your total compensation, but it can also be complex.

Here are a few key points:
• 𝗧𝘆𝗽𝗲𝘀 𝗺𝗮𝘁𝘁𝗲𝗿: Stock options give you the right to buy shares later, while RSUs are granted shares you own after vesting.
• 𝗧𝗶𝗺𝗶𝗻𝗴 𝗶𝘀 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴: Taxes are triggered differently depending on the type and when you exercise or sell.
• 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗽𝗮𝘆𝘀 𝗼𝗳𝗳: Understanding your equity grants can help you plan for taxes, diversification, and long-term wealth.

If your equity package is a significant part of your compensation, it’s worth creating a plan—just like you would with your salary.

02/17/2026

Quite the achievement, ONYX Coffee Lab! Congrats! 🥳
We love Onyx Coffee - and a great place to meet and work.

Onyx Coffee Lab in Downtown Rogers is celebrating a major achievement after being named the Best Coffee Shop in the World in 2026.

Onyx jumped from No. 2 in 2025 to the top spot this year, surpassing coffee shops in Norway, Australia, and beyond.

Rankings are based on quality, innovation, and customer experience. Judges evaluate coffee programs worldwide, considering factors like sustainability, roasting excellence, and overall impact on the coffee industry.

📸 NWA Daily

Read the full story in tomorrow’s newsletter by subscribing using the link in the comments!