LA Financial Planning
- Incentive Stock Options and the AMT: What Changed for 2026
Sizing and timing an ISO exercise against the 2026 AMT exemption, and the same-year sale that removes it.
- RSU Tax Withholding: Why 22% Leaves Los Angeles Executives Owing in April
Why the flat 22% federal and 10.23% California rates leave a shortfall on RSU vests, and how to close it before April.
- Hit Sixty, Plan Seventy: Your Decade-Out Financial Tune-Up
A 60s tune-up: Social Security timing, Medicare and IRMAA, the senior deduction, RMD ages and a calendar to 75.
- 30-Something Money Health Check: Fix These Now to Cruise Into 40
The money items to fix in your 30s: the match, an HSA, cash reserves, income insurance, debt and basic documents.
- Your 40s Financial Checkup: What to Fix Now So You’re Ready for 50
A checkup for your 40s: savings pace, 2026 limits, the Roth catch-up rule, insurance, college and estate documents.
- The 20 Percent Pass-Through Deduction: A Guide to Section 199A
How the Section 199A pass-through deduction works under the 2026 rules, from the thresholds to rental real estate.
- How Founders Can Defer Seven-Figure Gains with a QSBS §1045 Rollover
How a Section 1045 rollover defers a founder’s federal gain on QSBS, and why California taxes it anyway.
- Concentrated Stock Positions: Five Ways to Reduce Risk Without Selling All at Once
Five ways to reduce a concentrated stock position without selling it all at once, and what each one costs.
- Tax-Loss Harvesting: How to Use Market Dips to Lower Your Taxes
How tax-loss harvesting works, why it mostly defers tax, and the wash-sale, crypto and California rules.
- Investor Emotional Intelligence: Why Temperament Matters More Than IQ
Why temperament matters more than IQ in investing: loss aversion, patience under pressure, and written checklists.
- Smart College Savings in Los Angeles: 529s, Coverdell ESAs, Roth IRAs & More
529 plans after the K-12 changes, plus Coverdells, Roth IRAs and savings bonds, for Los Angeles families.
- Why Estate Planning Still Matters After the One Big Beautiful Bill Raised the Exemption
What the $15 million exemption doesn’t change: portability, other states, basis at death, Prop 19 and probate.
- Beyond Returns: Comprehensive Risk Assessment with Westlight Wealth
What a comprehensive financial risk review covers, from insurance and taxes to liability, estate and behavior.
- Securing Your Legacy: A Practical Guide to Estate Planning
The core estate documents and how they work: will, living trust, incapacity papers, beneficiary forms and probate.
- Venice Home Equity in a Long-Term Portfolio: What It Costs to Hold, Sell or Pass On
How Venice home equity fits a long-term portfolio: concentration, Prop 13, Measure ULA, and passing a home on.
- Self-Employment Tax and the S Corporation: Why It Isn’t a Magic Bullet
What an S corporation really saves once reasonable salary, the 199A deduction and California’s costs are counted.
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