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PhillipJames Finance

@InvestPJF

Retirement Planning & Tax Planning. We help Retirees and Pre-Retirees pay as little tax as possible. Fee-Only and Fiduciary.

 Plymouth, MN 55446
phillipjamesfinancial.com
Joined August 2013
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Deferred Compensation phillipjamesfinancial.com/bl… – at Plymouth, MN
Deferred Compensation — Phillip James Financial

Deferred Compensation — Phillip James Financial

Deferred Compensation is a strategy where a portion of an employee’s income is set aside, or “deferred”, to a later date. This strategy allows employees to avoid recognizing income in the current...

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How to Manage Your ESPP Plan phillipjamesfinancial.com/bl… – at Plymouth, MN
How to Manage Your ESPP Plan — Phillip James Financial

How to Manage Your ESPP Plan — Phillip James Financial

An Employee Stock Purchase Plan (ESPP) provides employees an option to purchase stock in the company they work for at a discount below market price. Understanding how these plans work, including the...

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What you need to know before you roll over your 401(k) – The difference between a rollover and transfer phillipjamesfinancial.com/bl… – at Plymouth, MN
401k Rollover v. Transfer — Phillip James Financial

401k Rollover v. Transfer — Phillip James Financial

The key differences between a rollover and a transfer along with the key steps required to avoid costly penalties and unfavorable tax consequences.

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Retirement Planning In the Time of COVID phillipjamesfinancial.com/bl… – at Plymouth, MN
Retirement Planning In the Time of COVID — Phillip James Financial

Retirement Planning In the Time of COVID — Phillip James Financial

During the year 2020, you've probably experienced exhilarating highs and painful lows as you've looked at your retirement account balance. Living in this time of the pandemic has been challenging in...

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Year End Planning Tips for your Employee Equity Compensation phillipjamesfinancial.com/bl… – at Plymouth, MN
Year End Planning Tips for your Employee Equity Compensation — Phillip James Financial

Year End Planning Tips for your Employee Equity Compensation — Phillip James Financial

This is your last chance to improve your tax situation before the end of the year. If you have any stock options, RSUs, or employer stock now is your time to act. Reach out with questions on your...

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Employer Stock Planning in the year of retirement for NQSOs or ISOs phillipjamesfinancial.com/bl… – at Plymouth, MN
Employer Stock Planning in the year of retirement for NQSOs or ISOs — Phillip James Financial

Employer Stock Planning in the year of retirement for NQSOs or ISOs — Phillip James Financial

If you are looking for advice from a fiduciary finanical advisor about your employer stock plan and are near retirement this is the article for you. NQSOs and ISOs are complicated, this will help.

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Your Guide to the NUA Rule (Net Unrealized Appreciation) phillipjamesfinancial.com/bl… – at Plymouth, MN
Your Guide to the NUA Rule (Net Unrealized Appreciation) — Phillip James Financial

Your Guide to the NUA Rule (Net Unrealized Appreciation) — Phillip James Financial

Net Unrealized Appreciation (NUA) could be a great tax planning strategy which helps you reduce risk and taxes at the same time. There are a lot of rules which need to followed to do it right.

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What’s the right time to sell Restricted Stock Units (RSUs)? phillipjamesfinancial.com/bl… – at Plymouth, MN
What’s the right time to sell Restricted Stock Units (RSUs)? — Phillip James Financial

What’s the right time to sell Restricted Stock Units (RSUs)? — Phillip James Financial

Do you have RSUs? When should you sell them? What's the tax consequences of doing so and what's the best time to sell them? Well, read this article and you'll find answers to all of these questions.

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Planning on leaving your job? How to plan for your employer stock options. phillipjamesfinancial.com/bl… – at Plymouth, MN
Planning on leaving your job? How to plan for your employer stock options. — Phillip James Financial

Planning on leaving your job? How to plan for your employer stock options. — Phillip James Financial

Oh no! You lost your job, what do you do with your employee stock plan? Whether you have RSUs, NQSOs, ESPP plan, or other employee stock compensation you have some decisions to make.

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Employer Stock and Charitable Gifting phillipjamesfinancial.com/bl… – at Plymouth, MN
Employer Stock and Charitable Gifting — Phillip James Financial

Employer Stock and Charitable Gifting — Phillip James Financial

If you have employee stock (RSUs, NQSOs, ESPP plan, etc.) and you have charitable inclinations then this is the must read article of the year. Enjoy!

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In Depth Understanding of Employer Stock Compensation (Part 2) phillipjamesfinancial.com/bl… – at Plymouth, MN
In Depth Understanding of Employer Stock Compensation (Part 2) — Phillip James Financial

In Depth Understanding of Employer Stock Compensation (Part 2) — Phillip James Financial

This is part 2 of our comphrehensive guide on employer stock compensation. In this article we focus on Restricted Stock Unit and provide you with multiple examples and strategies to handle your own...

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In Depth Understanding of Employer Stock Compensation (Part 1) phillipjamesfinancial.com/bl… – at Plymouth, MN
In Depth Understanding of Employer Stock Compensation (Part 1) — Phillip James Financial

In Depth Understanding of Employer Stock Compensation (Part 1) — Phillip James Financial

A giant 6000+ word guide on everything employer stock compensation broken into two parts for digestibility. If you've ever had questions on ESPP, ISO, NQSO, or RSUs then read this guide.

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Social Security Benefits - Calculating the Full Cost Retiring Early phillipjamesfinancial.com/bl… – at Plymouth, MN
Social Security - Calculating the Cost of Early Retirement — Phillip James Financial

Social Security - Calculating the Cost of Early Retirement — Phillip James Financial

This article will help you calculate your own benefits, help you decide when you should start taking your benefits, and some pitfalls to avoid.

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Understanding Marginal Versus Effective Tax Rates buff.ly/2Qusy6B
Will Roth IRAs Ever Be Taxed? phillipjamesfinancial.com/bl… – at Plymouth, MN
Will Roth IRAs Ever Be Taxed? — Phillip James Financial

Will Roth IRAs Ever Be Taxed? — Phillip James Financial

Will your Roth IRA ever be taxed? Maybe, but more importantly what does that do to your retirement plan. You need to read this tax-savy post about Roth IRAs and tax planning to learn more!

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Understanding Marginal Versus Effective Tax Rates And When to Use Each phillipjamesfinancial.com/bl… – at Plymouth, MN
Understanding Marginal Versus Effective Tax Rates And When to Use Each — Phillip James Financial

Understanding Marginal Versus Effective Tax Rates And When to Use Each — Phillip James Financial

Learn more about the difference between marginal and effective tax rates and why it's important for your retirement. This article brought to you by Fiduciary Financial Advisors Phillip James Financ...

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3 Ways To Avoid Paying the Medicare Surcharge phillipjamesfinancial.com/bl… – at Plymouth, MN
3 Ways To Avoid Paying the Medicare Surcharge — Phillip James Financial

3 Ways To Avoid Paying the Medicare Surcharge — Phillip James Financial

The Medicare surcharge is not often given much thought until your premioums have already doubled. With a little tax planning, you can avoid one of these retirement pitfalls.

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When Should You Choose ETFs over Mutual Funds? phillipjamesfinancial.com/bl… – at Plymouth, MN
When Should You Choose ETFs over Mutual Funds? — Phillip James Financial

When Should You Choose ETFs over Mutual Funds? — Phillip James Financial

Learn more about the difference between ETFs and Mutual Funds, and how chossing one or the other could impact your financial plan. Did you know there important tax planning that can be done with...

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Are Two Incomes Always Better Than One? phillipjamesfinancial.com/bl… – at Plymouth, MN
Are Two Incomes Always Better Than One? — Phillip James Financial

Are Two Incomes Always Better Than One? — Phillip James Financial

Dual income households are becoming the norm, but what kind of financial planning opportunities can come from it. Take read through and reach out to a fiduciary wealth manager today!

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So You’ve Hired a Nanny. Now What? phillipjamesfinancial.com/bl… – at Plymouth, MN
So You’ve Hired a Nanny. Now What? — Phillip James Financial

So You’ve Hired a Nanny. Now What? — Phillip James Financial

You life is a mess so you hire a nanny. Everything is so much better now....but not from a tax perspective. There are certain obligation you need to follow. This article brought to you by Fee Only...

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