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- Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/d51a001d-aa4e-4d78-bbc7-64a370fea223/Web+capture_9-7-2023_16176_.jpeg Articles - Can I make a “Mega Backdoor Roth” Contribution? - Make it stand out Click to download a pdf version! https://www.oakleighwealth.com/articles/liability-insurance monthly 0.5 2026-03-03 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1691075080918-BKUF0WHKTAAGJY1C0K9I/image-asset.jpeg Articles - Q: How much liability insurance do I need? 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A: As much as you can get! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/you-need-a-will-but-do-you-need-a-lawyer monthly 0.5 2024-02-28 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1689294888912-OPF9TMOWFZK5ZB1X2GSO/image-asset.jpeg Articles - You need a will, but do you need a lawyer? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/how-much-life-insurance-do-i-need monthly 0.5 2023-07-18 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/17b01c5e-7169-4214-ad9a-8309751c1315/image-asset.jpg Articles - How much life insurance do I need? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/equity-compensation monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1688929979993-74C1BIMUS7RUNBCCKAGZ/image-asset.jpeg Articles - Equity Compensation: opportunities, risks, biases, and taxes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/stock-options monthly 0.5 2023-07-24 https://www.oakleighwealth.com/articles/espp monthly 0.5 2023-07-10 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/fbe26728-3361-4f22-a72d-7f6379ab7c59/Web+capture_9-7-2023_16554_.jpeg Articles - Employee Stock Purchase Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/restricted-stock-units monthly 0.5 2023-07-10 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/cd1212c0-2cd0-479f-8bf7-5a776bb69068/Screenshot+2023-07-10+093357.png Articles - Restricted Stock Units (RSUs)  - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/df1a43fa-5dc5-4d11-a0da-4c1ef1d7b8ac/Screenshot+2023-07-10+093731.png Articles - Restricted Stock Units (RSUs)  - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/tax-prep-vs-tax-planning monthly 0.5 2023-06-26 https://www.oakleighwealth.com/articles/june2023 monthly 0.5 2023-06-23 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1687543724180-PHBIAKE6419M6FIWY66M/image-asset.jpeg Articles - June 2023 Newsletter: Tax Planning - Need help to understand your 2022 tax return? The first five people to respond by email will receive a free summary explanation and analysis of their tax returns. Act now, and make a plan! Click here to Respond https://www.oakleighwealth.com/articles/defining-the-elements monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1686859511870-QRRS5J89J41XL2X7EFP1/Elements+Woodshop.png Articles - Defining the Elements - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/03de527a-b7e0-40ef-8c85-d99ed7fd3691/Total+Term.png Articles - Defining the Elements - Total Term Total Term equals your net worth divided by your annual living expenses (including debt payments). It’s a crude answer to the question, how long can you live off of your assets if you stopped earning today? Your target for Tt is unique to your situation, and as a financial advisor, one of my main objectives is to help you grow your net worth at an appropriate rate to achieve your goals. How much wealth do you need to make work optional? https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/b31dd97b-063d-40a6-b7ee-687ae5cae049/Savings+Rate.png Articles - Defining the Elements - Savings Rate There are only two ways to grow your net worth: savings and investment returns, and the former is the only one you have direct control over. Are you saving enough to reach your financial goals? Are you saving in the right places? https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/3947306d-6332-4ab3-9b57-92850914075e/Burn+Rate.png Articles - Defining the Elements - Burn Rate Am I spending an appropriate amount? Do I even know what I’m spending? Burn rate is often the most difficult number to pin down, and unless you utilize a tracking app (Mint or SimpliFi) or a spreadsheet, you don't know what you’re actually spending. We often end up approximating spending by process of elimination (Income - savings - debt - taxes = burn rate), but there are great benefits to understanding your spending at a more granular level. Budgeting is optional, but tracking is necessary. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/b171ebd0-896e-4f9e-9e0a-02befe2122cc/Debt+Rate.png Articles - Defining the Elements - Debt Rate Do I have too much or too little debt? Is any debt good? We’re all aware of the dangers of carrying too much debt. Principal and interest payments can crowd out your ability to save or fund current living expenses. However, debt can also be an important tool for reaching your goals, and if managed well, can actually increase your ability to grow your net worth. How you manage debt is just as important as how you invest your savings and it can be just as fraught with emotional as well as technical considerations. Should I invest or pay off debt? https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/475c16c8-c296-4f5f-baa9-564ed5e411d3/Tax+Rate.png Articles - Defining the Elements - Tax Rate Is my tax liability appropriate for my circumstances? Of all the cash flow items, we tend to have the least amount of control over what we pay in taxes, but there are still a lot of opportunities to be smart about taxes. Taking advantage of the various features of the tax code and carrying out a longer-term tax strategy can make a significant difference in your net worth. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/26727065-5c01-402c-83be-309b531b2fc6/Liquid+Term.png Articles - Defining the Elements - Liquid Term Do I have enough liquidity to meet my needs? Your Lt score totals up your liquid assets (checking, savings, CDs, money market, taxable brokerage accounts) as a multiple of your annual spending. Your Lt score represents your emergency fund (your ability to withstand a shock) but it also represents flexibility. This is money you can access without penalty for near-term goals big or small, supporting a family member, investing in your business, or retiring early. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/d4018650-e13e-43c0-9299-0637fa31ac7b/Qualified+Term.png Articles - Defining the Elements - Qualified Term Am I maximizing benefits from available retirement accounts? Saving and investing in tax-advantaged retirement and education accounts can have a significant impact on the taxes you pay now and in the future. Depending on your current income level and expectations for future earnings, your liquidity needs, and your goals, there are lots of ways to benefit from managing the right mix of qualified accounts. In exchange for the tax advantages, there are certain restrictions on how and when you can access these funds (but also strategies for minimizing their impact, should you need to access them sooner). https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/14622dc8-3b68-43e8-bb7d-3f4a154e82bc/Real+Estate+Term.png Articles - Defining the Elements - Real Estate Term Your home is a place to live, but it's probably also among the largest assets you own. Perhaps you also own a second home or investment property that generates income. Rt represents the equity value of your owned real estate (i.e. market value minus mortgage debt) in terms of your annual spending. If your net worth is overly concentrated in real estate (a.k.a. “House poor”), you may have difficulty accessing those dollars to fund your goals without major changes to your living situation, transaction costs, and lead time. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/cd2ff4fc-0230-44a1-beb1-8b961d97bfae/Business+Term.png Articles - Defining the Elements - Business Term Do I have too much or too little net worth concentrated in my business(es)? Like real estate, your business may be an outsized portion of your net worth, but it may also be your major source of income, and the ultimate value of your business is likely even more difficult to predict and realize. If you are a business owner, there’s an ongoing push-pull between investing in your business and taking cash out of the business. Your business may have been the source of your wealth, but can it survive without you? Being a business owner exposes you to additional risks as well as significant opportunities for wealth creation, satisfaction, and impact. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/60c21e0a-6efb-4650-8745-c09a114a6351/Equity+Rate.png Articles - Defining the Elements - Equity Rate Am I taking too much or too little investment risk? Your equity rate (percentage of investible assets invested in stock) is a crude measure of how much investment risk you’re taking. Historically stocks have offered the highest long-run returns, but they also have considerably higher volatility or potential for losses in the short run if the markets or economy falter. The appropriate amount of investment risk for you is a function of your risk tolerance (your ability to sleep at night), and risk capacity (how much risk you’re financially able to accept). Check out our article, Risk Tolerance & Risk Capacity, and take our free questionnaire to start the conversation on the appropriate level of investment risk for you. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/6cdf70f9-ea9f-4119-8476-5988f92da6aa/Insurance+Rate.png Articles - Defining the Elements - Insurance Rate If you have people in your life who are financially dependent upon you, then you need insurance to protect them. Like investment risk, the right amount and type of life insurance and disability policies include both subjective and objective considerations. Like the investment business, there’s no shortage of hacks and less-than-honorable insurance salesmen ready to sell you a complicated product you may not need for a price that’s too high. And yet, insurance remains a crucial part of a solid financial plan. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/0fe8f975-8aad-4f55-807c-91c5e5c1ce08/Estate+%282%29.png Articles - Defining the Elements - Estate Plan Are you prepared to answer end-of-life questions? Having an estate plan is important at almost any age and it should be revisited every couple of years or when situations change. I get it, these are not fun topics to dwell on, but I’ve seen too many cases where families are thrown into chaos, financial difficulty, disagreement, or indecision without a plan. For most folks, this will take the form of three key documents: A will can help make sure your loved ones are taken care of and your belongings go where you want them to An advanced medical directive (aka living will) ensures your wishes are known and are carried out with regard to difficult end-of-life decisions A durable limited power of attorney empowers a trusted person to manage your financial, legal, and business affairs on your behalf if you cannot. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/bdf485d7-b7af-4c3c-9335-70fdced7a78c/Elements+Phone.jpg Articles - Defining the Elements - How financially healthy are you? Get started with our easy-to-use mobile app to create your own scorecard, and we’ll follow up with a free assessment by email START HERE https://www.oakleighwealth.com/articles/to-roth-or-not-to-roth monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/238a7656-85ea-4ead-b99d-ea4290da77d3/unsplash-image-IZGNcO_8CDg.jpg Articles - To Roth or Not to Roth? Deciding Between Roth and Tax-Deferred Savings - Make it stand out To Roth, or not to Roth? https://www.oakleighwealth.com/articles/donor-advised-funds monthly 0.5 2023-05-31 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1685307561100-PG1MBYCJ3SX4KCHBC0PI/image-asset.jpeg Articles - Donor Advised Funds: Don’t be daft, use a DAF - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/f661f3cc-dca1-44cf-a9e0-3ffd2724998d/Graphics_17.png Articles - Donor Advised Funds: Don’t be daft, use a DAF - Make it stand out Major DAF Providers Comparison from Kiteces.com https://www.oakleighwealth.com/articles/dunning-kruger monthly 0.5 2026-03-03 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/940d7752-343a-4207-bb8e-81feaea45b84/dunning+kruger.jpg Articles - The Dunning-Kruger Effect (in investing (and life) - The commonly represented (yet apocryphal) Dunning-Kruger Curve The popularly represented (yet apocryphal) Dunning-Kruger Curve https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/8150090c-b798-4270-9a0a-820bb437e960/1200px-Competence_Hierarchy_adapted_from_Noel_Burch_by_Igor_Kokcharov.svg.png Articles - The Dunning-Kruger Effect (in investing (and life) - Make it stand out Note to the Hierarchy of Competence: While there may be some broad parallels between this pyramid and becoming a good investor, never forget that you can have the right analysis and the right intuition, and yet still lose money in the market. “Markets may remain irrational for longer than you can remain solvent!” https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/678b1ffa-43ba-44cb-a13a-707b905281f8/Picture1.png Articles - The Dunning-Kruger Effect (in investing (and life) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/financial-assessment-for-a-couple-in-their-mid-30s monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1691003542055-VUP7XFJHWPWU1ALE5IEU/image-asset.jpeg Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Meet Mike & mary and their two young children! https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/d674e2c1-3f7d-4709-85cb-8a6265109908/Picture1.png Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Mike and Mary’s Personal Financial Statement (Created in Elements) https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/c34944ce-635d-4c99-bb31-6bfd7f798d6c/Picture2.png Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Elements Scorecard (created in the app) https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/c3c7de4c-6d32-4e5d-8ccc-7596f59731df/Total+Term.jpg Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/f94469cb-e558-4769-88ae-2df8446aad89/Total+Term+%287%29.png Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/dc57e9eb-fd88-4788-860e-4e8f714e231a/Total+Term+%285%29.png Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/4195a397-c21c-4096-8d90-154ecc1a2b4b/Total+Term+%286%29.png Articles - Financial Assessment for a Couple In their Mid-30s - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/08b8fcf0-5e7f-4236-8cec-9609326bdac7/iphone_ElementsScorecard_11.png Articles - Financial Assessment for a Couple In their Mid-30s - Create your own Scorecard and get a free assessment! Click the button below for an invitation to download Elements and create your own scorecard and financial statement. I’ll follow up by email with a free assessment like the one above. https://www.oakleighwealth.com/articles/8-things-you-should-spend-your-money-on monthly 0.5 2026-03-03 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/9fad4409-0e8a-4c77-b001-b8c113c988c7/amazonvan3-630x505.jpg Articles - 8 Things You Should Spend Your Money On  - Make it stand out That thing you wanted? It’s right. In. Here… https://www.oakleighwealth.com/articles/budgeting-is-optional-tracking-is-necessary monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/283b8288-7d49-45a6-ae9d-2cf7c2f41627/Br+Burn+Rate+%281%29.png Articles - Budgeting is Optional (Tracking is Necessary) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/14b0be49-4c28-4060-aae8-ec27081490e3/Screenshot+2023-05-03+113553.png Articles - Budgeting is Optional (Tracking is Necessary) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/da7d1d01-4230-4a0a-990e-ef1aed30564b/Screenshot+2023-04-27+121456.png Articles - Budgeting is Optional (Tracking is Necessary) - Make it stand out Spending as percentage of gross income varies most directly with income, but also depends greatly on your stage of life, lifestyle, and locality. https://www.oakleighwealth.com/articles/how-much-should-i-be-saving monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/91cc2fbd-db11-4f7a-81b3-e213bd0109c4/Screenshot+2023-04-26+210403.png Articles - How much should I be saving? Am I on track? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/ba5f7b7d-e34b-48ea-8a1f-f63a0685a1be/Savings+Rate.png Articles - How much should I be saving? Am I on track? - Make it stand out Source: Fundamentals of Financial Planning 7th Edition, Dalton, Michael et al., 2021 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/d83aec2c-e70e-40da-8dfe-11f1684c3fbf/Savings+Benchmark.png Articles - How much should I be saving? Am I on track? - Make it stand out Source: Fundamentals of Financial Planning 7th Edition, Dalton, Michael et al., 2021 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/aa675bbc-43f0-483e-9ad0-46ebfc90c6bb/Screenshot+2023-04-25+093536.png Articles - How much should I be saving? Am I on track? - Make it stand out Where do you currently fall in the range of healthy savings rates? Where do you need to be to achieve your goals? https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/7268354f-8dfb-49ca-ac5d-daa9b3d415d2/6.png Articles - How much should I be saving? Am I on track? - Make it stand out How much should I be saving? Am I on track? https://www.oakleighwealth.com/articles/making-work-optional monthly 0.5 2024-05-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/a60871e7-4132-4095-80ef-e60bc24c7931/Picture7.jpg Articles - Making Work Optional - Make it stand out Click here to create your own Net Worth statement and Tt socre and find out where you are on the journey to making work optional. Photo by Tim Foster on Unsplash https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/8fbbcf73-30e1-4511-a242-d81ec10cc9a5/Screenshot+2023-04-17+130313.png Articles - Making Work Optional - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/54863bcc-2e37-497a-b25f-94935a388005/Tt+comp.png Articles - Making Work Optional - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/ee98e1c2-890d-419c-b347-24ea0712babe/Tt+IRR+Example.jpg Articles - Making Work Optional - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/5e4af415-f271-4f70-837d-90e3eccc6c30/Tt+IRR+Example.jpg Articles - Making Work Optional - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/a-transparent-look-at-fee-only-advice monthly 0.5 2024-05-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/3b957bae-6b19-4b56-87cb-62ddf431ad12/Fee+Marketplace.png.jpg Articles - A Transparent Look at “Fee-Only” Financial Advising - Make it stand out Navigating the crowded market for financial advice https://www.oakleighwealth.com/articles/when-can-i-afford-to-retire-part-3-expenses monthly 0.5 2023-05-11 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/f724f53c-dc2a-442d-9278-3b50a5b06450/unsplash-image-SwK6MSxTLDE.jpg Articles - When can I afford to Retire? Part 3: Expenses - Make it stand out Travel and entertainment expenses certainly increase early in retirement, but overall spending actually tends to decline throughout retirement when adjusted for inflation. https://www.oakleighwealth.com/articles/can-i-afford-to-retire-part-2-income monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1675262153311-1FA8Y0BQ7BK55OPKMEPX/unsplash-image-jpqyfK7GB4w.jpg Articles - Can I Afford to Retire? Part 2: Income - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/can-i-afford-to-retire-and-when monthly 0.5 2023-11-16 https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/1674769443269-YVOP6M6KMT90OYMUR8M8/unsplash-image-cEukkv42O40.jpg Articles - Can I Afford to Retire (and when)? - Make it stand out What do you picture when you think about your retirement? https://images.squarespace-cdn.com/content/v1/62c582ef0c19773eed93b9f0/38d62855-26c7-46c5-a0db-1db8dda0a746/unsplash-image-sxb8StmTfaw.jpg Articles - Can I Afford to Retire (and when)? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.oakleighwealth.com/articles/tax-szaxa-ja2r8-hhl2p-g635c monthly 0.5 2023-01-27 https://www.oakleighwealth.com/articles/whats-with-the-name-oakleigh monthly 0.5 2023-05-11 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