Restricted stock units have become a standard part of pay at tech companies and many other public employers. Most employees understand the basics: shares vest, the value is taxed as ordinary income, and whatever you do with the shares afterward creates capital gains...
Many people think of estate planning and financial planning as two separate jobs. You see a lawyer to write a will and set up trusts. You see a financial advisor to invest your money and plan for retirement. Each piece looks fine by itself. But if the two aren’t...
Most portfolios built around the S&P 500 and mega-cap growth have been rewarded, but concentration in one index, one country, and one style is starting to look more like a risk than a strategy. If you are still fully invested in U.S. large-cap growth, you may be...
Are you facing the classic question—Should I take my pension as a monthly payment or as a lump sum? This crucial retirement decision can have a long-lasting impact on your financial security. In this guide, we’ll compare pension vs lump sum options, explore key...
Big changes are coming to the tax code in 2025. The One Big Beautiful Bill Act (OBBBA) introduces wide-ranging updates that will impact individuals, families, and business owners. From deductions and credits to estate planning and student loans, this new law reshapes...
Download our concise flyer to discover how Arthur Flores, CFP® can support your financial journey. From retirement planning and tax-efficient strategies to reducing investment fees and building personalized portfolios, we cover all the essentials. We also offer expert advice on insurance reviews, debt management, and organizing your financial accounts. Ready to take control of your financial future? Download the flyer now to learn more!
