Latest articles

Life Planning aka “Financial Planning Done Right.”

When I was about 13 years old, my mother attended a weekend spiritual retreat, and I tagged along with her. While on the retreat I had a powerful experience in
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Where do I even start with my RSUs?

One of the most common issues facing my clients is how to manage their equity compensation, specifically restricted stock units (or RSUs). If you work in the tech industry, there’s
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Open Enrollment is Here Again!

It’s October and that means pumpkin spice lattes, Halloween decorations and…open enrollment time.  For many of us, this is the month when we have the chance to make decisions about
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Breaking down the Mega Backdoor Roth contribution

You may or may not have heard of a Mega Backdoor Roth, but they are becoming increasingly common, especially in the tech world. It is often confused with a Backdoor
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Creating (or Revisiting) Estate Planning Documents During COVID

Estate planning is one of those topics that most people avoid at all costs. It ranks right up there with getting a root canal in terms of things to look
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Taking stock and financial self-care in the time of COVID

Taking a big picture look at your finances during the pandemic.
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Xena Financial Planning blog introduction

Xena Financial Planning is Born!

Welcome to Xena Financial Planning (Xena FP). I am so very glad you are here! Allow me to introduce you to my new firm. I honestly did not set out
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Xena Financial Planning blog refinance

Should I refinance my mortgage?

It seems like everyone I know is asking this question right now. Mortgage rates are at an ALL TIME LOW As of July 2, 2020, Freddie Mac reported that 30-year
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Xena Financial Planning blog rainy day fund

How much emergency reserve do I really need?

The conventional wisdom for an emergency reserve is about 3 to 6 months of living expenses, typically kept in a liquid, FDIC-insured account. So just how do you calculate “living
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