Pioneer Insights

Equity Compensation Milad Taghehchian, CPA, CFP® Equity Compensation Milad Taghehchian, CPA, CFP®

Google L6+? Now what?

Being hired into an L6+ role at Google is a different financial experience than earlier career stages. At this level, base salary matters—but equity and tax strategy are what ultimately drive long-term outcomes.

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Tax Planning Milad Taghehchian, CPA, CFP® Tax Planning Milad Taghehchian, CPA, CFP®

Net Unrealized Appreciation (NUA): Pros, Cons, and When It Actually Saves Taxes

If you have employer stock inside a qualified retirement plan (most commonly a 401(k), profit-sharing plan, or ESOP), the Net Unrealized Appreciation (“NUA”) rules can let you shift part of what would otherwise be ordinary income into long-term capital gains. This sometimes producing meaningful lifetime tax savings. With that said, NUA is not always good. It’s a tax election with strict rules, cash-flow implications, and real portfolio risk. Below is a practical, decision-oriented overview, with specific IRS authority and two numeric examples.

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Tax Planning Milad Taghehchian, CPA, CFP® Tax Planning Milad Taghehchian, CPA, CFP®

The 2026 Tax Crossroads: What High-Income Families Should Be Thinking About Now

For many families, taxes are something that get attention once a year in March or April. However, the next few years are shaping up to be different. The period spanning 2025 and 2026 represented a meaningful planning crossroads, particularly for high-income households, business owners, and retirees. The OBBA made some important tax laws permanent (as permanent as a tax law can be).

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Career Transitions Milad Taghehchian, CPA, CFP® Career Transitions Milad Taghehchian, CPA, CFP®

Young Grads Bear the Brunt of Tightening Labor Market

College graduates looking to join the workforce this year encountered the most discouraging labor market in recent memory. The class of 2025 saw the number of job postings on Handshake (a career platform used to recruit college graduates) decline 15% from the previous year. The number of applications per job increased by 30%.1

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Retirement Planning Milad Taghehchian, CPA, CFP® Retirement Planning Milad Taghehchian, CPA, CFP®

Roth Catch-Up Contributions Begin in 2026

For nearly a quarter century, employers have been able to offer their retirement savings plan participants age 50 and older a valuable opportunity — the chance to make additional catch-up contributions to their plan. Thanks to the SECURE 2.0 Act passed in 2022, that opportunity became even more valuable: Employers may now allow plan participants age 60 to 63 to contribute even more than their other catch-up eligible peers through “super catch-ups.” In 2025, the standard plan contribution limit is $23,500. Participants who turn age 50 to 59 and 64 and older in 2025 can contribute an additional $7,500, while those who reach age 60 to 63 can contribute an additional $11,250.

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Family & Education Planning Nicole Renaux CFP® Family & Education Planning Nicole Renaux CFP®

The Fall Checklist: Balancing College Applications and Financial Planning

For families with high school seniors, fall is crunch time. Between campus visits, final SAT/ACT attempts, and essay writing, there’s also a parallel track that’s just as important: preparing the financial side of the college journey. Getting ahead now can reduce stress and improve the chances of securing the best possible financial aid package.

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