Are you fully optimizing your Google 401(k) and GSU grants?

📌 EPISODE RESOURCES

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- Check out our podcast episode on Stock Options: https://www.abundancewm.com/podcast/episode/56bf3b05/stock-options-give-you-options-mastering-your-equity-comp

In this episode Allison (CFP®) and Ben (CRPS®) explain key financial planning opportunities and common mistakes for Google employees around the Google 401(k) and Google equity compensation (GSUs/RSUs). Google has a lot of nuance and customization in these vehicles, which can be powerful. But with more nuance and customization comes more complexity. Don't miss out on efficiences or make avoidable tax mistakes!

⏱️ TIMESTAMPS

00:00 Intro

02:29 The Google 401(k) - Overivew

02:51 401(k) - Contribution Layer

04:26 After Tax Auto Enrollment

05:44 401(k) - Tax Layer

10:05 Generous Match And Vesting

11:51 401(k) - Investment Layer

17:00 Equity Comp Basics GSUs

18:30 Monthly Vesting Tax Impact

20:42 Withholding And Tax Planning

22:43 Diversifying Employer Stock

25:05 Wrap Up

DISCLAIMER

The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management.

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Your Portfolio Might Be Worth Less After Taxes (Here’s Why)

Great investment management isn’t just about picking strong holdings — it’s about proactively managing the tax impact of those holdings, especially in taxable investment accounts. Without a tax plan, investors can end up paying the IRS far more than necessary when they eventually use the account.

🎯 RESOURCES FROM THIS EPISODE:

Visit our website to request a complimentary consultation: https://www.abundancewm.com/contact?utm_source=acast&utm_medium=acast&utm_campaign=abundance_mindset_ep054&utm_content=ac_description

🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube (https://youtu.be/b_rAaEjwdBo)

⏱️ TIMESTAMPS

DISCLAIMER

The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management.

Hosted on Acast. See acast.com/privacy for more information.

The HSA “Shadow Roth IRA” Strategy: How to Turn Medical Receipts Into Future Tax-Free Income.

Health Savings Accounts (HSAs) are uniquely “triple tax advantaged” accounts. And there are more ways than one to ues them effectively. Today we'll walk through three levels of using an HSA and dive into an advanced planning strategy we're dubbing the "Shadow Roth IRA" (or "Level 3").

📌 RESOURCES

Visit our website to request a complimentary strategy assessment: https://www.abundancewm.com/contact

TIMESTAMPS

00:00 Introduction

02:15 Key Terminology

05:04 Level One: Spend As You Go

06:58 Level Two: Invest And Grow

11:31 Who Should Try Level Three

12:52 Level Three: Shadow Roth Receipt Strategy

16:25 Early Retirement Tax Planning

18:44 Documentation And Penalties

21:14 Wrap Up And Next Steps

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