Tax Planning
3 guides about tax planning
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529 to Roth IRA Rollover: How to Use SECURE 2.0's New Provision
SECURE 2.0 allows leftover 529 education savings to roll over to a Roth IRA starting in 2024. Covers eligibility rules, contribution limits, five-year requirement, and whether it makes sense for your situation.
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ESPP Guide: How Employee Stock Purchase Plans Work and How They're Taxed
Employee Stock Purchase Plans let you buy company stock at a discount, typically 10-15% below market price. Covers qualified vs non-qualified ESPPs, the 15% discount math, holding periods, tax treatment, and when to sell.
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RSU Tax Guide: How Restricted Stock Units Are Taxed
Restricted Stock Units (RSUs) are taxed as ordinary income when they vest, then as capital gains when you sell. This guide covers the full tax picture — vesting, FICA, withholding, selling strategies, and common mistakes.