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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.

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The Latest Insights and Observations

Open Enrollment Time: What Employee Benefits Should You Choose?

Your benefits details are sitting in your inbox, and the enrollment deadline is coming fast. Here’s how to lay out your options, model a low-usage and high-usage health care year, and choose the employee benefits that actually fit you. Multiple options? See how to coordinate with your spouse or partner’s plan to select what’s best for your family.
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What Are Incentive Stock Options? All About ISOs — and NSOs, Too

Got stock options from your employer? ISOs and NSOs look alike on paper, but they're taxed very differently. Here's a deeper look at how each one works, the AMT rules that come with ISOs, and exercise strategies to help you get the most from your equity compensation.
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FPFoCo Welcomes Client Service Specialist Kelli Mickley

FPFoCo welcomes Client Service Specialist Kelli Mickley! With 15 years' experience in finance, she brings care-first service to our FPFoCo clients. Learn more about Kelli.
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What Are Restricted Stock Units? All About RSUs

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?

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?

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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