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Simplicity Wealth Management

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Simplicity Wealth Management

Simplicity Wealth Management is a Fee-Only Financial Planning firm offering Financial Planning and I

10/06/2026

That ESPP discount can be attractive, but increasing your contribution also means putting more of every paycheck into company stock. 💰

Before you raise your election, consider:

1️⃣ How much will come out of each paycheck. 💵

2️⃣ Whether that affects your ability to save, pay down debt, or fund retirement. 💳

3️⃣ How much employer stock you already own through RSUs, options, and previous ESPP purchases. 📈

When choosing employee benefits, don't forget to consider your broader financial situation.

Preparing for open enrollment? 🔗 Read the full checklist: https://simplicitywm.com/your-open-enrollment-checklist-for-tech-employees/

10/02/2026

📚 What I’m Reading: Fodor’s Essential Australia 🇦🇺

I recently returned from an incredible trip to Australia, and this guide was such a helpful resource for planning where to go, what to see, and how to make the most of our time there. I especially appreciated the practical tips alongside recommendations for everything from major sights to local experiences.

If Australia is on your travel list or you simply love planning your next adventure, this one is worth a look. ✈️

Have a favorite travel guide or book that helped you plan a memorable trip? Send your recommendations my way! 👇🏼

09/29/2026

If RSUs, stock options, or bonuses make up a meaningful part of your income, your workplace disability insurance may replace less than you expect. ⚠️

Before open enrollment ends, check:

1️⃣ Whether benefits are based only on salary or also include bonuses and equity compensation.

2️⃣ How long you’ll wait before long-term disability coverage begins and whether partial benefits are available.

3️⃣ Whether your workplace life insurance provides enough coverage for the people who depend on your income.

It's best to spot a coverage gap before you need the benefit.

Preparing for open enrollment? 🔗 Read the full checklist: https://simplicitywm.com/your-open-enrollment-checklist-for-tech-employees/

09/25/2026

The cheapest health insurance premium doesn’t always mean the cheapest plan. 📊

To get a better picture, compare what each option could actually cost you over the full year:

1️⃣ Add annual premiums to estimated out-of-pocket costs. 💵

2️⃣ Compare deductibles, copays, coinsurance, and out-of-pocket maximums. 🧾

3️⃣ Run the numbers for a low-use, typical, and high-use year. 📈

Doing the math can reveal a very different answer than the premium alone.

Preparing for open enrollment? 🔗 Read the full checklist: https://simplicitywm.com/your-open-enrollment-checklist-for-tech-employees/

09/23/2026

Open enrollment can have a bigger financial impact when part of your compensation comes from RSUs, stock options, an ESPP, or bonuses. 💼

Before you simply repeat last year’s elections, take a closer look at:

1️⃣ Your full benefits package, from health insurance and HSA/FSA options to disability, life insurance, and retirement contributions.

2️⃣ Your deadlines, including any separate dates for HSA, FSA, retirement, or ESPP changes. 🗓️

3️⃣ The total annual cost of each health plan, not just the monthly premium. 📊

A few thoughtful decisions now can make your benefits work better alongside the rest of your financial life.

Preparing for open enrollment? 🔗 Read the full checklist: https://simplicitywm.com/your-open-enrollment-checklist-for-tech-employees/

09/03/2026

⏳ We only have so much time, energy, and attention. Spend them where they matter.

A simple filter: Does it matter? Can I control it?

If the answer is no to either, let it go. You can’t control the stock market, someone else’s choices, or the driver who just cut you off. 🚗

Focus instead on what you can control: how you respond, how you treat others, and where you choose to put your energy.

That shift can free up a lot of mental space. ✨

09/01/2026

A sabbatical can lower your income, but that doesn't always mean a smaller tax bill. 🧾

Between severance, vesting equity, and any consulting work, a break year can get complicated fast. A little planning can help you avoid surprises.

💡 Here are three tax moves to think through:

1️⃣ If you take on consulting or freelance work, you may need to make estimated quarterly payments and set aside a portion of each check for taxes.

2️⃣ A lower-income year could be a good time to consider a Roth conversion or realizing long-term capital gains, depending on your situation.

3️⃣ Coordinate any decisions with your health-insurance subsidies and equity taxes, since they all interact.

The right timing can turn a complicated tax year into a planning opportunity. Read the full article for more details. 👉 https://simplicitywm.com/planning-a-sabbatical-from-your-tech-job-how-to-plan-financially/

08/27/2026

Thinking about stepping away from work for a while? A well-planned financial runway can help protect you from surprises and a slower-than-expected return to work. 💰

Here are three savings funds worth building:

1️⃣ An emergency reserve of three to six months of essential expenses, kept separate from your sabbatical spending.

2️⃣ A sabbatical fund holding what you expect to spend during the break in cash or other stable, accessible holdings.

3️⃣ A re-entry reserve for the job search after your break, since recruiting cycles can run long for senior or niche roles. 🧭

Knowing your numbers ahead of time makes the whole break feel more relaxing. Read the full article for how to plan each one. 👉 https://simplicitywm.com/planning-a-sabbatical-from-your-tech-job-how-to-plan-financially/

08/25/2026

In tech, your paycheck may be only part of what you're walking away from when you take a sabbatical. 💼

RSUs, stock options, and employer contributions can add up to real money, and leaving at the wrong time may mean forfeiting some of it.

Here are three things to review before you give notice:

1️⃣ RSU vesting dates and the value of shares you may forfeit by leaving before future grants vest. 📈

2️⃣ Stock-option exercise windows, since some plans require you to exercise vested options within a short period after employment ends. 🗓️

3️⃣ Your 401(k) match, HSA eligibility, and other benefits that end when your employment does.

A sabbatical can still be the right move once you understand what changes. Read the full article for the complete picture. 👉 https://simplicitywm.com/planning-a-sabbatical-from-your-tech-job-how-to-plan-financially/

08/21/2026

📚 What I’m Reading: 1929 by Andrew Ross Sorkin

If you enjoy books about markets, history, and human behavior, put this one on your list. Sorkin brings the 1929 stock market crash to life through the people, decisions, speculation, and overconfidence that helped drive the market from euphoria to collapse.

It's a great pick for investors, history buffs, and anyone curious about what happens when optimism turns into overconfidence. 📈

Have a similar book you’d recommend? Send it my way! 📖

#1929

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Glen Allen, VA
23060

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://www.simplicitywm.com/

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