T.J. van Gerven

T.J. van Gerven
Join Tips For Pursuing Your Financial Independence ​In this podcast episode, I share crucial things to be aware of when pursuing equity compensation in a startup as a 1099 contractor.​ From health insurance to taxes and retirement plans, being 1099 presents a different set of financial planning strategies than a W2 employee. I also discuss the importance of prioritizing equity compensation over a higher base salary.
Pursuing Equity Compensation In A Startup As A 1099 Contractor
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Join MWB Weekly Tips Here With financial planning, start with a baseline vision of your desired lifestyle. From there, you can start to quantify tradeoffs depending on how aggressive your vision is. You can have anything but not everything.
Start With A Vision - Then Iterate
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Join the Modern Wealth Builders weekly tips email list What is "enough"? What is the end vision for the lifestyle you're building towards? In this episode, I share my thoughts around what "enough" means for me and how you can define "enough" for you.
Defining "Enough"
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Join weekly tips here Regret optimization > Tax optimization Focus on determining when is “enough” before focusing on tax optimization.
Minimize Regret With Life Changing Money Decisions
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Join the MWB community and receive weekly tips directly to your inbox In this episode, I share some of the most common employee benefits that you may have available and things to consider to maximize them. Some of the benefits discussed include: Health insurance Life and disability insurance FSA vs HSA Dependent care FSA 401(k) Stock purchase plans
A Quick Guide To Maximizing Your Employee Benefits
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One important feature to review with employee stock options (ISOs in particular) is the ability for an early exercise. Especially with private shares, an early exercise before an increase in 409A valuation (combined with an 83(b) election) can decrease a potential AMT liability. In this episode, I breakdown the essential information you need to know to take advantage of this planning strategy.
Early Exercise ISOs + 83(b) Election = Avoid Potential AMT
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CFP® Pro | helping equity compensated professionals pursue financial independence, sustain autonomy, and achieve peace of mind.

TJ van Gerven
TJvanGervenTJ van Gerven@TJvanGerven·
3h

From health insurance to taxes and retirement plans, being 1099 presents a different set of financial planning strategies than a W2 employee.

https://open.spotify.com/episode/1SfrSS9CTkwoFnDBx5ICH3?si=UnoGFxhFR4etU3lzBcXVog

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TJvanGervenTJ van Gerven@TJvanGerven·
4h

Tell me you don’t like being alone with your thoughts without telling me you don’t like being alone with your thoughts.

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TJvanGervenTJ van Gerven@TJvanGerven·
30 Nov

People tend to underestimate their spending because they focus on discretionary expenses and forget to factor in large fixed expenses.

Some examples include property taxes, home maintenance, and lump-sum insurance premiums.

Awareness is essential to quantifying sustainability.

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