<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Memento Financial Planning</title><description>Fee-only financial planning for high-earning professionals with equity compensation.</description><link>https://mementofinancialplanning.com</link><item><title>How to Diversify a Concentrated Stock Position Without Overpaying in Tax</title><link>https://mementofinancialplanning.com/blog/how-to-diversify-a-concentrated-stock-position</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/how-to-diversify-a-concentrated-stock-position</guid><description>Why a concentrated stock position is risky, what diversifying costs in tax in 2026, and the main ways to reduce it, from staged sales to charitable giving.</description><pubDate>Wed, 14 Oct 2026 00:00:00 GMT</pubDate></item><item><title>The ROI of Time: Why Net Worth is the Wrong Metric</title><link>https://mementofinancialplanning.com/blog/roi-of-time-net-worth-metric</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/roi-of-time-net-worth-metric</guid><description>Money is renewable; time is not. Why measuring success by net worth misses the point, and how to plan for the return on your time instead.</description><pubDate>Thu, 26 Mar 2026 00:00:00 GMT</pubDate></item><item><title>How to Strategically Exercise Incentive Stock Options (ISOs) to Avoid AMT and Maximize Tax Savings</title><link>https://mementofinancialplanning.com/blog/how-to-strategically-exercise-incentive-stock-options-isos-to-avoid-amt-and-maximize-tax-savings</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/how-to-strategically-exercise-incentive-stock-options-isos-to-avoid-amt-and-maximize-tax-savings</guid><description>How ISOs and the alternative minimum tax work in 2026, how to size an exercise to stay under AMT, and a real client example of exercising in stages.</description><pubDate>Thu, 07 Aug 2025 00:00:00 GMT</pubDate></item><item><title>Turning Income Into Assets: How to Build Wealth with a Long-Term Portfolio, and Where Bitcoin Might Fit In</title><link>https://mementofinancialplanning.com/blog/turning-income-into-assets-how-to-build-wealth-with-a-long-term-portfolioand-where-bitcoin-might-fit-in</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/turning-income-into-assets-how-to-build-wealth-with-a-long-term-portfolioand-where-bitcoin-might-fit-in</guid><description>High earners rarely have an income problem; they have an asset-building problem. How a long-term portfolio builds freedom, and where bitcoin might fit.</description><pubDate>Mon, 16 Jun 2025 00:00:00 GMT</pubDate></item><item><title>How to Find the Right Financial Advisor for Your Needs</title><link>https://mementofinancialplanning.com/blog/how-can-you-find-the-right-financial-advisor-for-your-needs</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/how-can-you-find-the-right-financial-advisor-for-your-needs</guid><description>What to look for in a financial advisor beyond credentials: how they’re paid, who they specialize in, and whether you can be honest with them.</description><pubDate>Fri, 13 Jun 2025 00:00:00 GMT</pubDate></item><item><title>Roth or Traditional Contributions: What’s Best for High-Income Earners?</title><link>https://mementofinancialplanning.com/blog/roth-or-traditional-contributions-which-is-best-for-high-income-earners</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/roth-or-traditional-contributions-which-is-best-for-high-income-earners</guid><description>A framework for choosing between Roth and traditional contributions as a high earner: tax brackets now and later, equity comp and flexibility.</description><pubDate>Wed, 11 Jun 2025 00:00:00 GMT</pubDate></item><item><title>Understanding Tax Withholding and Safe Harbor Rules: A Guide for High-Income Earners</title><link>https://mementofinancialplanning.com/blog/understanding-tax-withholding-and-safe-harbor-rules-a-guide-for-high-income-earners</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/understanding-tax-withholding-and-safe-harbor-rules-a-guide-for-high-income-earners</guid><description>How withholding and the IRS safe harbor rules work in 2026, the 110% rule for high earners, why RSUs and bonuses cause underpayment penalties, and how to avoid them.</description><pubDate>Tue, 10 Jun 2025 00:00:00 GMT</pubDate></item><item><title>Why Holding Vested RSUs Might Be Riskier Than You Think</title><link>https://mementofinancialplanning.com/blog/the-risks-of-holding-vested-restricted-stock</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/the-risks-of-holding-vested-restricted-stock</guid><description>Why holding vested RSUs concentrates your wealth in one company, how RSUs are taxed in 2026, the withholding gap, and a policy-based way to decide when to sell.</description><pubDate>Wed, 07 May 2025 00:00:00 GMT</pubDate></item><item><title>Mega Backdoor Roth 401(k): How High-Income Earners Can Maximize Retirement Savings</title><link>https://mementofinancialplanning.com/blog/maximizing-your-retirement-savings-with-the-mega-backdoor-roth-401k</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/maximizing-your-retirement-savings-with-the-mega-backdoor-roth-401k</guid><description>How after-tax 401(k) contributions and Roth conversions can let high earners save up to $72,000 in 2026, who it fits, and what to check in your plan.</description><pubDate>Wed, 01 Jan 2025 00:00:00 GMT</pubDate></item><item><title>Long-Term Disability: Protecting Your Income in Financial Planning</title><link>https://mementofinancialplanning.com/blog/understanding-the-overlooked-risk-of-long-term-disability-in-financial-planning</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/understanding-the-overlooked-risk-of-long-term-disability-in-financial-planning</guid><description>Your ability to earn is your biggest financial asset. How long-term disability coverage works, what to look for in a policy, and why it’s often overlooked.</description><pubDate>Thu, 01 Feb 2024 00:00:00 GMT</pubDate></item><item><title>Are Target Date Funds The Best Option For Beginner Investors?</title><link>https://mementofinancialplanning.com/blog/are-target-date-funds-the-best-option-for-beginner-investors</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/are-target-date-funds-the-best-option-for-beginner-investors</guid><description>How target date funds work, what they cost, their pros and cons, and when an all-in-one fund stops fitting, from the Do More With Your Money podcast.</description><pubDate>Wed, 11 Oct 2023 00:00:00 GMT</pubDate></item><item><title>Understanding the Wash-Sale Rule and Its Impact on Equity Compensation</title><link>https://mementofinancialplanning.com/blog/understanding-the-wash-sale-rule-and-its-impact-on-equity-compensation</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/understanding-the-wash-sale-rule-and-its-impact-on-equity-compensation</guid><description>How RSU vests, ESPP purchases and dividend reinvestment can trigger the wash-sale rule, a worked example, the IRA trap, and how to time sales of company stock.</description><pubDate>Wed, 20 Sep 2023 00:00:00 GMT</pubDate></item><item><title>From Discounted Stock To Cash In Hand: Making The Most Of Employee Stock Purchase Plans (ESPPs)</title><link>https://mementofinancialplanning.com/blog/from-discounted-stock-to-cash-in-hand-making-the-most-of-employee-stock-purchase-plans-espps</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/from-discounted-stock-to-cash-in-hand-making-the-most-of-employee-stock-purchase-plans-espps</guid><description>How ESPPs work, how qualifying and disqualifying dispositions are taxed, a worked example, and how to decide whether to sell right away or hold.</description><pubDate>Wed, 06 Sep 2023 00:00:00 GMT</pubDate></item><item><title>Escaping The Real Estate Rat Race: Why Renting Might Be The Smarter Choice</title><link>https://mementofinancialplanning.com/blog/escaping-the-real-estate-rat-race-why-renting-might-be-the-smarter-choice</link><guid isPermaLink="true">https://mementofinancialplanning.com/blog/escaping-the-real-estate-rat-race-why-renting-might-be-the-smarter-choice</guid><description>Why the pressure to buy a home runs so deep, and how to weigh renting against buying on your own terms, from the Do More With Your Money podcast.</description><pubDate>Wed, 30 Aug 2023 00:00:00 GMT</pubDate></item></channel></rss>