Q & A: Employee Stock Purchase Plans
Are ESPPs good investments? Should I participate in an ESPP and if so, how much should I contribute?
Should I Participate in My Company’s Employee Stock Purchase Plan (ESPP)?
If you have access to an Employee Stock Purchase Plan (ESPP) at work, you may be unsure if it’s a good investment. You also might wonder how it’s taxed and whether to enroll in it. BWM Financial has experience helping clients at San Diego companies, including
Sweating the Small Stuff: Getting Strategic About Paying Investment Advisory Fees
Time to Read: 4 Minutes At BWM Financial, our laser focus on giving clients a financial “edge” sets us apart from other wealth managers. Oftentimes this is through an ongoing relationship and comprehensive financial plan, but we delight whenever we can pass along an “easy win”. A great example of this is how we help structure
Getting the Most from your Qualcomm Benefits Package
Time to Read: 16 Minutes At BWM Financial, we’ve helped executives, engineers, and scientists at San Diego companies with their financial affairs for over 20 years. This often involves navigating the complexities of employee benefits, such as company stock, options, retirement plans, and insurance benefits. In over two decades, we’ve amassed comprehensive knowledge on the benefits at companies like Qualcomm. Many executives are simply so focused on their career
Retirement Budget: Can you skip the spreadsheet for a better way?
Time to Read: 6 Minutes Creating a sizeable nest egg is just the start of successful retirement planning. Ensuring that an investment portfolio will be able to provide a desired level of income for several decades requires a careful ongoing strategy, and making realistic predictions about long-term expenses is a critical step. It doesn’t have to be a complex, tedious process though. There’s a simple technique we’ve used to create
Tax Loss Harvesting: Making Tax Lemonade from Bear-Market Lemons
Time to Read: 6 Minutes Tax-loss harvesting is an investment strategy used by savvy investors during market declines. A “bank” of capital losses creates a tax asset in non-retirement accounts. That asset can be used to defer, reduce, or (in some cases) eliminate taxation. At BWM Financial (BWM), we take care of harvesting losses
Estate Planning Basics
Patrick recently sat down with local San Diego attorney Teddy McNamara to discuss some common questions we hear from clients about their estate plans. Tune in as they discuss some estate planning basics including: What are the basics of an estate plan? What documents are involved in an estate plan? Do I need an
Health Savings Accounts: A Simple Tax Break for High Earners
Time to Read: 5 Minutes The number of tax-savings strategies available to affluent investors and high-income earners continues to shrink—but Health Savings Accounts (HSAs) are a noteworthy exception to this trend. Often overlooked or misunderstood, HSAs can be a great tool when used correctly. An HSA can create an easy annual income tax deduction
Long Term Care Basics – Webinar & Infographic
Time to Watch: 4 Minutes Not sure where to start when it comes to long-term care? Watch the 4 minute video below as our Director of Wealth Management, Patrick Ford, CPWA®, interviews local long-term care expert Steve Elliot on the basics of costs and coverage options.
Leave a Map and our Estate Planning Checklist
Time to Watch: 5 Minutes Leave a Map and our Estate Planning Checklist were developed because we see how difficult it can be for people to settle someone's financial affairs or estate after they pass. Couple that with the grief of losing a relative or a friend and it can be overwhelming to know