Open enrollment decisions add up: retirement plan matches, health plan and HSA choices, group life and disability, and any stock purchase plan. We review your benefits each year and set what to elect.
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Pre-tax contributions cut tax now; Roth contributions are taxed now but grow tax-free. The right mix depends on your current bracket and expected retirement bracket, and having both gives flexibility later.
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RSUs, options and ESPP shares can become a large part of your wealth. We plan vesting, exercises, taxes and diversification.
Employer life and disability cover usually ends when you leave the job, and amounts are often too low. We review whether you need individual term life or disability coverage, without selling any policy.
A home purchase affects cash reserves, investments and taxes. We plan the down payment, how to fund it and how it changes your monthly cash flow.
