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An Archive of Insights

FPFoCo began as a blog. Deepening the roots of our humble beginnings, we continue to share these insights to educate and empower you toward greater financial clarity and freedom.

An Archive of Insights

FPFoCo began as a blog. Deepening the roots of our humble beginnings, we continue to share these insights to educate and empower you toward greater financial clarity and freedom.

Join the FPFoCo mailing list to have our financial insights delivered right to your email inbox.

The Latest Insights and Observations

What Are Restricted Stock Units? All About RSUs

September 2, 2026 | Jason Speciner
Restricted stock units come with vesting schedules, tax consequences, and a risk most people miss: your paycheck, your benefits, and now a chunk of your net worth all depend on one company. Here's how RSUs actually work, and a question to ask yourself when they vest.
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How Can I Create My Coast FIRE Cash-Flow Plan?

August 19, 2026 | Regina Neenan
Traditional FIRE asks you to save relentlessly until work becomes optional. Coast FIRE is a different approach: Save aggressively early and let compounding do the rest while you shift to work that only needs to cover today's expenses. Dive into how to build your coast FIRE cash flow plan, and learn about the trade-offs.
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Your Retirement Cash Flow: Is Social Security Going to Run Out?

August 4, 2026 | Regina Neenan
The headlines say Social Security faces a 22% cliff in 2032. But that wouldn’t necessarily mean a 22% cut to your retirement income. Learn why, review some options for what Congress could still do, and find out how you can easily prepare for whatever happens.
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Saving for Your Goals: What’s Your Investing ‘Why’?

July 22, 2026 | Jason Speciner
We don't save and invest just to save and invest — we do it to buy the time to live the way we want. Here's how matching your short, medium, and long-term goals to your investing "why" makes every decision clearer.
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Understanding Your Risk Tolerance & How It Relates to Your Investments

July 8, 2026 | Jason Speciner
Stock market volatility is back, but hasn't it always been here? The good news: You're likely already prepared for the ups and downs. Here's what your risk tolerance really means and how it shapes an investment portfolio built around your goals, time horizon, and comfort with risk.
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Looking Ahead: What Tax Planning Changes Can You Make Now?

June 24, 2026 | Jason Speciner
With tax season in the rearview, now's the time to act on what it taught you. Adjusting your withholding, funding your HSA, timing a Roth conversion, claiming rental depreciation, and more - review the proactive moves that optimize your taxes while you still have some runway.
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