<![CDATA[Highly Compensated]]> https://www.bas-financial.com/ Once your income gets high enough, most personal finance advice stops being useful. The rules change. Contribution limits you never thought about start applying to you. A single decision about when to sell vested shares can move your tax bill by five figures. And nobody at work is going to explain any of it.

Highly Compensated is for two groups of people. The first is employees at large companies with equity compensation, deferred comp, and a benefits package they've never fully read. The second is business owners who are the plan sponsor, the highly compensated employee, and the person signing the checks, all at the same time.

Host Brad Stevens works with both groups out of San Diego. Each episode takes one specific decision and works through it the way he would in a first meeting: what the rule actually says, where people usually get it wrong, and what questions to ask before you commit to anything. No market predictions, no hot takes, no pitch.

Episodes run about 15 to 20 minutes.

This podcast is educational and does not provide personalized investment, tax, or legal advice.

]]> RSS.com 2026.817.133114 Sat, 05 Sep 2026 06:58:39 GMT en 4f83864e-2ca9-56ea-95d7-6e68c6a73a8e https://media.rss.com/highly-compensated/podcast_cover_20260825_033644_4aa86f6ed778ce0329910b5985a1dc21.png Highly Compensated https://www.bas-financial.com/ no BAS Financial BAS Financial BAS Financial false episodic podcast California, USA false <![CDATA[Is $500,000 Enough to Work With a Financial Advisor?]]> "Do I have enough to work with a financial advisor?" is the most common version of this question, and the number by itself does not answer it. Two people can hold the same balance and be in completely different situations. One has three old employer plans, a stock position that arrived through a vesting schedule, and an election due by year end. The other has one index fund and nothing pending. Same money. Not the same problem.

This video works through what actually creates planning need, using current data. The Bureau of Labor Statistics reported in August 2025 that people born 1957 to 1964 held an average of 12.9 jobs between ages 18 and 58, and that 56 percent of the jobs they started between ages 45 and 54 ended in under five years. Capitalize, working with the Center for Retirement Research, estimated in September 2025 that there were 31.9 million left-behind 401(k) accounts in the U.S. as of July 2025, holding about 2.1 trillion dollars, with an average balance near $66,691. On the equity comp side, Schwab's 2025 workplace survey of 420 stock plan participants, published that September, found company stock averaged 32 percent of participants' total investment portfolios, with 49 percent of non-sellers waiting on market conditions and 29 percent citing tax implications.

It also covers the honest other side: when you may not need to pay anyone right now, and three questions you can run on your own situation tonight without talking to anybody.

This video is educational content and general information, not personalized investment, tax, or legal advice for any individual situation.

Wealth coordination for San Diego high earners: https://www.bas-financial.com/the-san-diego-h-e-n-r-y-strategy?utm_source=youtube&utm_medium=video_description&utm_campaign=weekly_2026-08-17&utm_content=wk_longform_henry

Upcoming complimentary webinar: "Do You Know What Your 401(k) Fees Are?" Thursday, August 27, 2026, 12:00 to 12:30pm PT. Full details on the events page at https://www.bas-financial.com/events

Schedule a complimentary review: https://outlook.office.com/book/BASFinancialHENRY@guardianlife.com/

#FinancialPlanning #EquityCompensation #RSUs #401kRollover #ConcentratedStock #SanDiegoFinancialAdvisor #HighEarners

]]> https://rss.com/podcasts/highly-compensated/3094490 62cac8f3-7f7e-4d83-af74-37e98b14eac3 1068 full Sat, 05 Sep 2026 06:58:04 GMT false false <![CDATA[Old 401(k) or Self-Managed IRA? What It's Actually Costing You]]> Most people assume an old 401(k) or a self-managed IRA is fine simply because nothing looks wrong with it — no scary letter, no dropped balance, nothing flagged. That's usually not because everything's fine. It's because nobody's actually looking.

This video walks through what an old 401(k) is typically costing you in fees and missed attention, how to track down an account you've lost touch with after changing jobs, what's worth checking on a self-managed IRA at least once a year (allocation drift, beneficiary designations, overlap with a current plan), and the questions worth asking before you decide to move anything — or leave it exactly where it is.

Forgotten or left-behind 401(k) accounts in the U.S. held about $2.13 trillion in assets as of July 2025, roughly a quarter of all 401(k) savings nationally (Capitalize, 2025). Separately, a 2026 Fidelity study found the average American has worked for six employers, and that only 32% of people have rolled a previous balance into a current workplace plan, with just 21% moving one into a personal IRA — most have done nothing at all.

This is educational content, not personalized advice — nothing here is a recommendation to move your specific account.

More on our old 401(k) & IRA review approach: https://www.bas-financial.com/old-401k-ira-review?utm_source=youtube&utm_medium=video&utm_campaign=weekly_2026-08-06&utm_content=wk0806_longform_old401kira

Want a complimentary conversation about your own accounts? Book here: https://outlook.office.com/book/BASFinancial401KFeeReview@guardianlife.com/

Sources cited: Capitalize, “The True Cost of Forgotten 401(k) Accounts” (2025); Fidelity 2026 study (via Yahoo Finance/247wallst, July 2026).

]]> https://rss.com/podcasts/highly-compensated/3094488 7cc52229-a4e7-4bee-861d-634bb6e8aca9 917 full Fri, 28 Aug 2026 18:50:00 GMT false false