The Pearl Planning Blog

Opening Multiple 529s per Beneficiary: A Guide to Help You Get Started

By Melissa Joy, CFP®, CDFA® | May 26, 2022
Pearl Planning Opening Multiple 529s per Beneficiary- A Guide to Help you Get Started

529 plans are a strategy that many use to save for a loved one’s college education. Although most people are familiar with the benefits of a 529 plan, there are […]

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Hacks for Your Health Savings Account

By Melissa Joy, CFP®, CDFA® | May 10, 2022
Pearl Planning Hacks for your Health Savings Account, HSA

More often in recent years, we have found ourselves talking to clients about the value of a Health Savings Account (HSA). HSAs can be a valuable tool to help prepare for […]

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Understanding your Restricted Stock Units (RSUs)

By Melissa Joy, CFP®, CDFA® | April 11, 2022
Pearl Planning Blog Post: Understanding your Restricted Stock Units (RSUs) - Woman working at her desk

Restricted Stock Units (RSUs) are a form of equity compensation that can be provided by an employer. RSUs vest over time and allow an employee to receive shares of the […]

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Tax Loss Harvesting – A Guide for Making the Most of a Down Market

By Melissa Joy, CFP®, CDFA® | March 10, 2022

As an investor, the new year has reminded us of the sometimes difficult feelings that come with a down market. Reminding ourselves of the normality of market fluctuation can be […]

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Five Questions To Ask When Stocks Are Down

By Melissa Joy, CFP®, CDFA® | January 24, 2022

The year is off to a volatile start, with January looking like the worst month for the United States stock market since March of 2020. In this article, we will […]

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Breakdown of New Michigan Tax Law Impacting Pass-Through Businesses

By Melissa Joy, CFP®, CDFA® | January 10, 2022

Lately, there has not been a dull moment when it comes to tax updates. That being said, we have another tax update for you, this time relating to a new […]

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Making the Most of Charitable Giving with a Donor Advised Fund

By Melissa Joy, CFP®, CDFA® | December 30, 2021
Making the Most of Charitable Giving with a Donor Advised Fund

This time of year, many of us begin thinking about how we can help the causes closest to our hearts. It is the season of giving after all! When making […]

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5 Smart Holiday Spending Tips

By Melissa Joy, CFP®, CDFA® | December 7, 2021
woman wearing a santa hat

Do you know what you can reasonably spend this holiday season? Overspending now may lead to a post-holiday hangover in the New Year. Whether you put all your seasonal shopping […]

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Am I Eligible for a Mega Backdoor Roth IRA Contribution?

By Melissa Joy, CFP®, CDFA® | December 2, 2021
Am I Eligible for a Mega Backdoor Roth IRA Contribution?

In previous posts, we have discussed Roth conversions being a potential option when you have phased out of the contribution limits for a Roth IRA. Today, we will be discussing […]

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Should I Buy I Bonds Now?

By Melissa Joy, CFP®, CDFA® | November 18, 2021
bonds

With inflation soaring, the popularity of a little-known treasury program for small investors, Series I Savings Bonds, is coming into focus. The I Bond is linked to an interest rate […]

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