This year has been tough for most retirees who aren’t earning wages to invest more. Diversification hasn’t worked because both stocks and bonds sold off. Exacerbated by easy money policies over the past decade, savers had to stretch their risk budgets to earn meaningful yield.

Lots of companies offer stock options, stock awards, or match 401k contributions with stock. Employees will build these positions over time and may not realize how much of their worth is tied to a single company.

Microsoft has led the tech industry by consistently improving the benefits that it offers employees. One such benefit is the Microsoft Giving Campaign. This provides a one-to-one match up to $15,000 per year, to a non-profit 501(c)(3) of your choice. This means that an employee can donate $15k to a charity that they care about, and Microsoft will match the full donation, dollar for dollar.

Interest rate risk is the component that bondholders are experiencing now. The Fed is currently raising rates to slow spending, therefore, reducing inflation to more acceptable levels.

These grants are broadly similar to RSUs, but they are typically given out after an initial RSU package to keep compensation levels consistent over time. They’re also offered to encourage employees to stick with their current job (aka “golden handcuffs”).

The Fed hiked rates by 0.75%, as expected, in its September meeting. The market all but rolled out the red carpet for another jumbo hike (jumbo because a normal hike is 0.25%). The futures market priced in about an 80% probability that it would happen before it was announced.

Many people are unaware of the impact updating beneficiaries can have on their financial plans. A beneficiary is a specific person(s) that can be listed on the account, by the account owner, who will inherit assets upon the passing of the owner.

To get the most out of your RSUs, you’ll need to understand the nitty-gritty of this form of compensation, including when and how your units will vest. Read on for four facts about RSU vesting everyone in the tech industry should know.

Whatever “this” is in 2022—the post-pandemic inflation where things are good, but also not so good. We’ll look back at this period and say, “I should’ve done this,” because we’ll benefit from hindsight. “In this economy?” covers so many things, and I won’t be able to use it forever.

There’s a saying, “It’s a recession when my neighbor loses his job, it’s a depression when I lose my job.” Technically a recession is six months of falling GDP (gross domestic product).

It might seem odd that stocks do well when the real-world economy looks ugly. The divergence is more common than you might think. Both the stock and bond markets rebounded during a slew of bad news.

Money tends to find a home. When financial conditions are loose, those homes go from strong and sensible to shaky and speculative. When financial conditions tighten, the shaky investments tend to go first.

Direct indexing is a strategy that involves purchasing the individual stocks that make up an index, rather than buying the index fund or ETF to track that same index.

One reason Consilio Wealth Advisors went independent, was to access a greater variety of investment & technology solutions for our clients. With improved flexibility, we’re now able to provide our clients with greater value.

After being confined to their homes, Americans are spending on long-delayed vacations, weddings, etc. The shift has caused demand to increase for hotels, car rentals, and airlines. All of these industries are working to build back staff headcount, since purging in 2020.

No matter what you do for a living or your future goals, it’s important to ensure your hard-earned dollars are safe and accounted for. One of the best ways to keep track of these items is by doing an annual review, focused on unclaimed assets, credit reports, and password security.

What once were high flyers, Netflix, Meta, and Paypal are moving to the Russell Value 1000 Index. What makes these companies suddenly classified as “value”?

Are you searching for more information on the differences between an RSU vs options like NQSOs and ISOs? To get the right stock options for your needs–and for valuable advice on using these options–read on.

The market sentiment shifted from high inflation to possible recession. The first half of the year is a gentle reminder that not everything is permanent.

The S&P500 had recently entered the bear market territory, an arbitrary mark of 20% down from previous highs. If you’re wondering, “what is a bear market?” We broke it down for you.

The S&P 500 entered bear market territory (20% loss) during the second week of June. Inflation has taken over as the main worry on every investor’s mind. Going back to the 1950s, consumer sentiment has averaged 86. The latest reading at 50.2, the lowest on record.