Track your RSUs and options, find out whether your ESPP sale qualifies, and see what exercising ISOs will cost you in AMT before you do it. The tools run on 2026 federal tax rules.
This is the order I walk friends through: what to do with each extra dollar, step by step. Each step is roughly the best use of money until it's done. Check off what you've finished to see your next move.
2026 limits per IRS. Catch-up contributions (50+ for 401(k)/IRA, 55+ for HSA) add more. This is a general framework, not personal advice.
Own the whole market cheaply and stop trying to pick winners. You need three funds:
Your risk tolerance sets the stock/bond split, and you rebalance once a year. One common rule of thumb puts roughly 60–70% of the stock portion in US and 30–40% in international. Tickers are examples, not recommendations.
| Profile | US | Intl | Bonds |
|---|---|---|---|
| Aggressive (20+ yrs) | 60% | 30% | 10% |
| Moderate (10–20 yrs) | 50% | 20% | 30% |
| Conservative (<10 yrs) | 30% | 15% | 55% |
Contribute, convert, file Form 8606, and avoid the pro-rata trap.
HYSA vs. T-bills vs. SGOV vs. I bonds, and why Treasuries win in high-tax states.
Invest it, save receipts and reimburse yourself decades later.
Why high earners usually go pre-tax, and when they shouldn't.
How to check if your plan allows it and how to set it up.
When Wealthfront or Betterment is worth the fee, and when a 3-fund portfolio is all you need.
Built for the moments that only happen in biotech.
Your company withholds 22% on vests, but your bracket may be 35%. See what you'll owe in April before it's a surprise.
Plan sales around blackout periods and set up a 10b5-1 plan before the next readout.
What happens to your unvested RSUs, underwater options and ESPP in a deal.
Live share prices, vest reminders, readout-risk alerts and a biotech equity newsletter. Free for early members.
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