Insights

Staying sharp is part of the job.

Writing these is how we keep learning, and how we practice explaining a rule until it is clear. Every piece is written for the person who has to make the decision, client or not.

All Business owners Real estate Executives Childfree

Executives 4 min How to sell concentrated stock while often deferring the immediate tax hit, using a charitable trust You have a large position in one stock, maybe from years of equity comp or a single lucky bet, sitting on a big unrealized gain. See how it works Business owners 4 min A tax-favored way to help with employee student loans, and the plan that makes it work You want to help your team, or yourself, with tuition or student loans. There is a way to do it tax-favored, up to $5,250 a year per person for… See how it works Business owners 4 min When spreading a business-sale tax over years helps, and when it backfires You are selling your business, or a big piece of it, and the buyer offers to pay over several years. See how it works Executives 4 min How the timing of an ESPP sale changes what you owe Your employee stock purchase plan let you buy company stock at a discount (plan terms vary, often up to 15%) through payroll. See how it works Childfree 5 min Estate planning when kids aren't the plan Most estate planning runs on a default: it goes to the children. Without kids, that default does not fit, and the one the state provides if you do… See how it works Real estate 4 min How to tap your home equity without giving up your 3% mortgage You have a mortgage you locked in a few years ago at 3%, a pile of equity, and a reason to want cash, a renovation, a down payment on a rental,… See how it works Childfree 4 min The tax playbook when you're not raising kids A lot of tax planning quietly assumes children. The child tax credit, the 529 college account, the dependent-care benefit at work, the estate plan… See how it works Executives 5 min Why selling vested RSUs can tax you twice, and how to stop it Your broker hands you a tax form every year, and the IRS already has a copy. For a lot of people with equity comp, that form quietly taxes them on… See how it works Real estate 4 min Why a fully depreciated rental is often worth more held than sold You have owned a rental for twenty-five years. You have written off the building down to almost nothing, the mortgage is small or gone, and the… See how it works Business owners 4 min Why a big business-loss year no longer erases your other income You ran your S-corp at a real loss this year, say $900,000 of deductions flowing through to your personal return. See how it works Business owners 4 min Your solo 401(k) may owe a July 31 filing, and your broker won't do it If you sponsor a retirement plan, even a solo 401(k) you set up years ago and rarely think about, there may be a federal form due July 31 that nobody… See how it works Executives 4 min Pay tax on stock before it vests? When the 83(b) election makes sense You join an early company and get restricted stock that vests over four years. The default tax treatment is simple and, for a fast-growing company,… See how it works Business owners 4 min The health-insurance deduction S-corp owners lose on a technicality If you own more than 2% of an S corporation and you bought health coverage this year, one payroll and W-2 coding decision before year-end often… See how it works Real estate 4 min The depreciation bill that surprises long-held rental sellers You sell a rental you've held for fifteen years. Bought at $550,000, selling for $850,000. See how it works Business owners 6 min Why the bigger SALT cap is no reason to drop PTET Most partnership and S-corp owners heard one headline: the federal SALT cap jumped from $10,000 to $40,400 for 2026. See how it works Real estate 6 min The big depreciation write-off that can save you nothing this year You bought into a 2025 multifamily deal. The sponsor mentioned a cost segregation study and a six-figure first-year write-off, and you did the quick… See how it works Executives 5 min ISO or NSO, the two letters that decide what you keep When your company hands you an option grant, it tells you four things. How many options, the strike price, the vesting schedule, and a two- or… See how it works Real estate 5 min The 45-day clock that breaks 1031 exchanges Picture this. You sell a ten-unit building, set up a clean 1031 exchange to roll the whole gain into your next deal, and a few weeks later about… See how it works