News & Insights
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Moneta experts continually contribute to the conversation around wealth management strategies, planning and education. Check back often for new content.
The latest
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Maximize Your Benefits: Pairing a Dependent Care or Limited Purpose Flexible Spending Account with a Health Savings Account
By Wesley Sebacher, CFP® Managing healthcare and dependent care expenses can be a significant financial burden for many individuals and…
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Make Certain Your Wealth Isn’t Too Dependent on Your Employer
By Michael Torney, CFP, J.D., LL.M. It’s not unusual for corporate executives to have a lot of their wealth tied to…
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Physicians Guide – Exploring Student Loan Repayment Options
By Wesley Sebacher, CFP®, CAIA® As a physician, you have invested a significant amount of time and resources into your…
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Physicians Guide – Exploring Student Loan Forgiveness Options
Wesley Sebacher, CFP®, CAIA® Student loan forgiveness for physicians is a critical topic, especially with the high levels of student…
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Getting Set to Retire? If You Own Company Stock in your Retirement Account, Explore this Potential Tax Benefit
By Michael Torney, CFP, J.D., LL.M. Executives who have worked for one company during much of their career can accumulate a…
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How Interest Rates Are Affecting Your Pension Lump Sum Value
Wesley Sebacher, CFP®, CAIA® Planning for retirement is a crucial financial endeavor, and one of the key factors to consider…
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Entrepreneurs – The Paradox of Investing Outside of Your Business
By Michael Torney, CFP, J.D., LL.M. Most entrepreneurs have a single focus – working to make their business successful until it…
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How A Vesting Schedule Affects Your Equity Compensation
By Wesley Sebacher, CFP® Equity compensation comes in many forms, whether it is restricted stock grants, incentive stock options, stock appreciation…
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Preparing for Retirement? Take These 3 Actions Now to Save on Future Taxes
By Michael Torney, CFP®, J.D., LL.M. Nearly everyone spends decades contributing money to a 401(k), Individual Retirement Account or other retirement…
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The Importance of Annual Tax Projections With Your Financial Planning Team
By Michael Torney, CFP, J.D., LL.M. For individuals or couples earning a high income this year, it’s important to determine…
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For Business Owners Looking to Sell, Does an ESOP Make Sense?
By Michael Torney, CFP, J.D., LL.M. Business owners considering selling their companies usually have a few options – such as selling…
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Open Enrollment is Coming – Here’s Why a Health Savings Account Could Make Sense
By Wesley Sebacher, CFP® Many individuals and families are enrolled in a High-Deductible Health Plan (HDHP). These plans offer a…
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Disability Insurance – A Guide For Physicians
By Michael Torney, CFP, J.D., LL.M. As physicians finish residency and start their life in practice, planning for long-term financial success…
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Contract Negotiations as a Physician
by Michael Torney, CFP®, J.D., LL.M. As a physician just starting your practice or switching jobs, you have a lot…
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Life After Residency: Essential Financial Planning For Physicians
By Wesley Sebacher, CFP® Completing residency is a significant milestone for physicians. After years of hard work and dedication, you’re…
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Getting the Most from Your Stock Appreciation Rights
By Michael Torney, CFP, J.D., LL.M. Stock appreciation rights (SARs) are a type of equity compensation award. They give an executive…
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Equity Compensation is Complex – Here’s a Guide to Understanding Your Benefits
By Wesley Sebacher, CFP® For many professionals, compensation becomes increasingly more sophisticated. And without the proper planning, it’s easy for…
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Have You Received “Phantom” Stock from Your Company? Here’s How It Works
By Michael Torney, CFP, J.D., LL.M. Key executives at privately-owned or public companies may receive shares of stock in their employer.…
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If You Receive Restricted Stock or Stock Options, Consider This Tax-Saving Move
By Michael Torney, CFP, J.D., LL.M. Paying taxes when receiving stock grants instead of waiting for shares to vest could help…
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Do You Have Incentive Stock Options? Understanding Taxes Can Impact Their Value
By Michael Torney, CFP, J.D., LL.M. Incentive Stock Options (ISOs) are the right to buy shares of company stock at a…
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Qualified Vs. Non-Qualified Compensation Plans – Here’s What You Should Know
By Michael Torney, CFP, J.D., LL.M. Successful executives often receive various forms of compensation in addition to their salaries and bonuses.…
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Know the Difference: Restricted Stock Units and Restricted Stock Awards
By Michael Torney, CFP, J.D., LL.M. Restricted Stock Units (RSUs) and Restricted Stock Awards (RSAs) can be valuable parts of an…
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7 Ways to Reduce Your Tax Burden in Retirement
By Wesley Sebacher CFP® You may wonder how you will provide yourself a paycheck in retirement? Or how you will…
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The Five Prongs of Asset Protection for Physicians
By Michael Torney, CFP®, J.D., LL.M. Lawsuits loom as an ever-present fear for physicians. According to the American Medical Association (AMA),…