Author: Brennan Rhule, CFP®, ChFEBC℠, AIF®

Emergency Fund Essentials: How Much Should You Save and Where to Keep It? Having an emergency fund is crucial for financial security. Life is full of unexpected expenses and financial hardships, such as medical emergencies, job loss, or home repairs. That’s why it’s important to be prepared with a safety net that can help you weather these storms without sinking into debt or financial stress. In this article, we’ll explore the best place to keep your emergency fund and provide

RSUs are assigned a fair market value (FMV) when they vest. RSUs are considered income once vested, and a portion of the shares is withheld to pay income taxes, or you may choose to pay the taxes with cash. For tax purposes, the entire value of the vested RSUs must be included as ordinary income in the year of vesting. Tax Considerations: An employee must subtract the original purchase of the stock or its exercise price from the fair market

An incentive stock option (ISO) is an employee benefit that allows the right to buy shares of company stock at a discounted price. Also known as statutory or qualified options. Unlike other stock options, ISOs are not taxed when granted, upon vesting or when exercised. Another unique advantage is that ISOs are generally taxed at the capital gains tax rate instead of the higher ordinary income rate. ISOs are generally offered only to executives and top employees that the company

Interest rates, mortgage rates, and inflation have been a big topic of conversation since the last quarter of 2021. We hear friends, colleagues, and news outlets speaking of rates on a regular basis these days. It can be confusing trying to decipher what is actually going on. Below is a table with the history of the 10-year Treasury Yield, Mortgage Rates, and Inflation. We started from 1971 as Freddie Mac started to keep a reliable ledger of rates at this