Vault Financial

10/24/2026

NFL coaches can’t decide whether it’s optimal to kick or receive at the start of overtime—which only means that the new rules are working

10/23/2026

Three things for an employee to look at if your ESOP company is sold:

1️⃣ What does this mean for you financially? It’s important to be clear on the details – price per share, deal structure, and your voting rights are all important considerations.

2️⃣ How and when you’ll get paid – this varies, so it is important to be clear on the details about vesting, payout timing, and form of payment to expect.

3️⃣ Taxes and distribution options – for many employees, this may be the largest sum of money ever received, so it’s important to understand how it is taxed and how it fits in your overall financial plan.

Don’t go it alone – I can help you understand these considerations and more. Let’s connect.

10/23/2026

Be warned: Hyperactive AI helpers can sometimes overshare, overpromise and overpurchase.

10/22/2026

The principles that have kept Warren Buffett successful through several market crashes.

10/22/2026

Check out this guide for tax-smart giving strategies to consider before year-end: https://bit.ly/3WoolFw

Ready to start building your plan? Reach out today.

10/22/2026

The best financial lessons often start at home. As Halloween approaches, consider using candy budgets, costume spending, or trick-or-treat rewards as opportunities to teach children healthy money habits.

This Halloween, candy as currency can become a lesson on budgeting, market value, even taxes. This article covers suggested lessons parents can teach kids.

10/21/2026

During retirement planning, many people underestimate how much they will pay for Medicare.

10/20/2026

The “struggling millennial” stereotype deserves a second look—The Economist’s analysis finds higher inflation-adjusted incomes than earlier generations at the same age in 29 of 32 rich countries, challenging a familiar narrative of financial stagnation.

10/20/2026

As your life evolves, your insurance needs may change too. Learn how term-to-permanent conversions work and whether permanent life insurance or the use of an available conversion option may be appropriate for your situation.

https://bit.ly/4js3VoN