Financial Planning

Financial PlanningInvestingEquity Compensation
Financial PlanningFinancial Planning
Is tax deferral worth it if future tax rates go up?

Is tax deferral worth it if future tax rates go up?

You're likely already using the starter pack strategy. Here's how to graduate to the advanced tier

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP
Financial PlanningFinancial Planning
How payroll tax rules can help you avoid tax underpayment penalties

How payroll tax rules can help you avoid tax underpayment penalties

You can still owe an IRS penalty even if you pay in full by April. Here’s how payroll withholding fixes that.

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP
Financial PlanningFinancial Planning
A couple I know made a $400k home decision. It cost them $1.6 million.

A couple I know made a $400k home decision. It cost them $1.6 million.

Most people think it's a lifestyle choice. They don't realize it's a multi-million dollar wealth decision that can delay retirement by years. Here's the math they miss.

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP
Financial PlanningFinancial Planning
How the Mega Backdoor Roth 401(k) Eliminates Tax Drag on Retirement Savings

How the Mega Backdoor Roth 401(k) Eliminates Tax Drag on Retirement Savings

Tax drag quietly erodes returns year after year. A Mega Backdoor Roth lets you shelter more money and keep millions compounding tax-free.

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP
Financial PlanningFinancial Planning
What Is Sequence of Returns Risk in Early Retirement and How Do You Manage It?

What Is Sequence of Returns Risk in Early Retirement and How Do You Manage It?

Retiring in your 40s or 50s means decades without Social Security. Here’s why market timing risk is so dangerous and how to protect against it.

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP
Financial PlanningFinancial Planning
What Is a Non-Qualified Deferred Compensation (NQDC) Plan and How Does It Work?

What Is a Non-Qualified Deferred Compensation (NQDC) Plan and How Does It Work?

NQDC plans let you defer more income, grow it pre-tax, and shift payouts into lower-tax years. Here’s how they compare to investing post-tax.

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP
Financial PlanningFinancial Planning
Should You Rent or Sell Your Home With a 3 Percent Mortgage?

Should You Rent or Sell Your Home With a 3 Percent Mortgage?

A low mortgage rate feels like a win, but rental math, tax rules, and hidden costs tell a different story. Here’s what to weigh before deciding.

Marcel Miu, CFA, CFP
Marcel Miu, CFA, CFP