Restricted Stock Units, Housing Affordability & Converting Savings Bonds Electronically

Welcome to the⁠⁠ @plannedsolutions ⁠⁠Incorporated Podcast. Restricted Stock Units (RSUs) are a common form of employee compensation as stock options and cash bonuses have become less and less common. RSUs can be a great way for an employee to build wealth by sharing in their company’s success, but they also come with some complex tax and investment planning considerations that can complicate the planning around this form of compensation. Also, Housing affordability has continued to be a challenge for those looking to break into the market. According to a study by Zillow, the household income needed to afford a home has increased 80% from 2020 to 2024, while the median income has increased just 23% making home ownership more and more out of reach of many households. As well, To follow up on a topic from a previous newsletter about managing US Savings Bonds, it is important for Savings Bond holders to know that they have the ability to convert their old paper Savings Bonds to an electronic registration. Holding Savings Bonds electronically can make it easier to monitor and manage the bonds without the risk of misplacing the paper bonds or forgetting to cash them in after they have matured. Plus a look at the Planned Solutions Incorporated Office Bulletin Board - Daryl recently attended the Financial Planning Associations NorCal Conference held in San Francisco. The program included speakers that are industry experts, investment company CEOs, company culture advisors, and experts in a variety of financial planning topics. It is graduation season, so congratulations to all of the graduates out there as well as the family and friends that have helped them along the way. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail ⁠⁠[email protected]⁠⁠ The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at: ⁠⁠⁠https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb⁠⁠ Intro 00:00 Restricted Stock Units 01:25 Housing Affordability 13:07 Converting Savings Bonds Electronically 18:41 PSI Office Bulletin Board 21:22 Planned Solutions, Inc. ⁠⁠https://www.plannedsolutions.com/⁠