Austin Wealth Management
Fee-based financial planning & wealth management
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Latest posts
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The Roth Conversion Window: Is Now the Right Time?
Roth conversions get a lot of attention in financial planning, and for good reason. Converting pre-tax retirement savings to a Roth account means paying taxes now in exchange for tax-free growth and withdrawals later. Done at the right time, in the right amounts, it’s a powerful…
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Health Insurance Between Early Retirement and Medicare
Medicare coverage generally begins at age 65. People who retire earlier have to arrange health insurance for the years in between, and the cost can be one of the larger items in an early retirement budget. The options differ in cost, in enrollment windows and in how income…
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Concentrated Stock: How to Think About Diversifying Out of a Single Position
If you’ve spent years at a company that granted equity, or you received company stock as part of an acquisition, or your business sold and you received stock in the acquiring company, you may now own a lot of one thing. That one thing has probably done well. And that’s precisely…
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Helping With College Costs When Retirement Is Ten Years Away
A parent with a student in college and about ten years before retirement is often paying for two goals from the same pool of money. Retirement has a fixed start date, while college costs are spread across several years and several sources. The Parent PLUS limits that took effect…
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ESPP: Are You Leaving Free Money on the Table?
Employee Stock Purchase Plans (ESPPs) are among the most underused benefits in tech and professional services. Many employees either don’t fully understand how they work or don’t enroll at all, and in doing so, pass up a benefit that can meaningfully improve their financial…
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RSUs Explained: Vesting, Taxes, and What to Do When They Hit
If your compensation includes RSUs, you’re in good company across Austin’s tech and professional services sectors. Restricted stock units are one of the most common forms of equity pay, and they generate some of the most consistent surprises at tax time. Getting ahead of how…
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Traditional or Roth 401(k)? How High Earners Weigh the Choice
Many employer plans allow employees to contribute to a 401(k) on either a traditional pre-tax basis or a Roth after-tax basis. For high earners, the choice is largely about when the tax is paid. The difference between the two is the timing of the tax, not the size of the…
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Optimizing Your Company’s Cash Reserves: A Framework for Business Owners
Cash management doesn’t get much attention. Investments are interesting. Revenue growth is exciting. But where you keep your cash, how much of it, and whether it’s working for you is a question many business owners haven’t revisited in years. Mid-year is a practical time to look…
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Open Enrollment Disability Insurance: Own-Occupation vs. Group Coverage
For many professionals, the ability to earn an income is the largest financial asset they own. Disability insurance is meant to replace part of that income if illness or injury prevents work, and employers often offer it during fall open enrollment. What group long-term…
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Umbrella Liability Insurance: Why High Earners Review It Each Year
Umbrella liability insurance is extra coverage that applies after the liability limits on a home or auto policy have been used. High earners often review it because a serious claim can exceed the limits on the underlying policies. How an umbrella policy works A personal umbrella…