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    Maximize your employer-provided benefits

Maximizing Your Employer-Benefits

Our Personal CFO Approach

Coldstream partners with busy professionals to simplify the complexities of finances to enhance their lives. Our clients view us as a personal Chief Financial Officer – dedicated to achieving their goals and building a financial plan to bring them to fruition.

We believe evaluating your company benefits is an important component of your plan. We review your benefits package, provide recommendations, and proactively connect with your other trusted advisors to ensure everyone is working together to find opportunities to optimize your plan.

You can expect us to:

  • 401k
  • Health Savings Account
  • Employee Stock Purchase Plans
  • Stock Options and Restricted Stock Plans
  • Pensions
  • Life Insurance
  • Disability Insurance

  • RSU
  • NSO
  • ISO

Connect with a Wealth Manager

  • 3 Simple Ways to Optimize Your 401(k)

    Spring is the perfect time to check in on your 401(k) and make sure your plan is optimized for this tax year. Here are three simple things to make sure you are maximizing the tax and investment benefits available to you. 1. Am I on track to maximize my contributions? Most 401(k) plans offer an [...]

  • How To Avoid a 10B5-1 Meltdown

    February 3, 2021 Well, if you don’t know what a 10b5-1 plan is yet, you may aspire to be in a place to need one. For some, they are a necessary evil. For others, they are downright mystifying.  But let’s take a look at their origin story, and try to unpack what they are, why [...]

  • Stock Awards: A Tax & Planning Primer

    Companies are always looking for relatively inexpensive ways to increase the odds of getting the best workforce to join them. In the Technology sector, these ‘inexpensive’ incentives often translate into offering employees stock awards. By offering workers this interesting ‘carrot,’ they offer ownership in the company in return for their tenure and a job well [...]

  • Maximizing Your Employer Benefits

    In the world of wealth management, fall season is synonymous with open enrollment. Many people choose to simply re-elect last year’s elections without giving them a second thought. Yet, taking full advantage of your employee benefits can provide an opportunity to maximize your savings. We hope you find these tips on optimizing common benefits helpful [...]

  • Getting The Most From Your Microsoft Benefits

    Microsoft (MSFT) provides generous company benefits which can help employees build wealth, manage risk and secure their future. It’s important to consider how to best integrate the additional compensation, retirement and health benefits into your financial plan. Equity Awards Your annual grants of Microsoft shares can support short-term cash flow needs or long-term goals, such [...]

  • Understanding Your Benefits at Virginia Mason

    Virginia Mason offers their employees a robust suite of retirement benefits. When utilized correctly, these benefits can be valuable assets to your financial plan. Throughout this article, we’ve highlighted the pros and cons of the most prominent benefits. Virginia Mason Retirement Plans 403(b) Plan With this plan you can defer anywhere from 1% to 80% [...]

  • Evaluating/Negotiating a Job Offer

    September 29, 2020 COVID-19 and the economic downturn have many out of work and looking for new positions.  A job search can be competitive and confusing, especially if you haven’t looked for a job in a while.  Companies in sectors that have been weathering the current economic storm well are still hiring, although the interview [...]

  • Stock Options: A Primer

    May 7, 2021 Companies are always looking for relatively inexpensive ways to increase the odds of getting the best workforce to join them. In the Technology sector, these ‘inexpensive’ ways often translate into offering employees stock options as incentives that don’t hit their cash reserves but offer workers an interesting ‘carrot’ – ownership in the [...]