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Financial Planning For High-Income Earners
Reduce Taxes • Invest Smarter

Treating the Symptom vs the Cause – The Student Loan Crisis

We’ve become a nation that treats symptoms versus the cause. Sometimes it’s necessary, but it feels like it’s become the default. Look no further than student loans. The student loan payments pause was extended again – potentially setting up a scenario for President...

The Dividend Yield Trap

Owning dividend paying companies can be part of a well-diversified portfolio, but it can also be a mathematical trap. As a quick refresher, companies have the option of paying their investors dividends in cash or stock. Most dividends are paid in cash and are on a...

What You May Not Know About The S&P 500

The S&P 500 is a market-capitalization (market cap) weighted index made up of 505 companies. To get a better feel of the index composition, having a general understanding of how to calculate a company's market cap is helpful. To calculate a company's market cap,...

Why Playing Time Matters

Around this time each year, my wife and I watch HBO’s Hard Knocks. It’s a reality sports series that follows an NFL team through training camp as they prepare for the upcoming season. One of the reoccurring storylines of the show and my wife’s favorite part are the...

Does it Make ‘Cents’ to Refinance Your Mortgage?

As mortgage rates continue to hit record lows, many people are refinancing their mortgages. Before you think I’m going to provide a definitive answer to refinancing, spoiler alert, I’m not, and there isn’t one. Every situation is unique and driven by more than...

How to Use The Mega Backdoor Roth Strategy

The Mega Backdoor Roth is a common planning strategy for high income earners looking to allocate money to Roth accounts. In most cases, their income exceeds the contribution threshold, which disqualifies them from making Roth IRA contributions. High-income earners can...