Sean Lovison, CFP, CPA

Helping employees with equity compensation and solo entrepreneurs reach financial independence through financial and tax optimization.

[Sean Lovison, CFP, CPA @SeanLovison]

It's book release day! The Equity Compensation Handbook is your go-to guide for understanding and maximizing stock options, RSUs, and RSAs.

Unlock financial independence with expert tips on salary negotiation, tax optimization, and more!

Grab your copy on Amazon now!

#equitycompensation #financetips #newbookalert

https://t.co/2j9DDzz5QE

[Sean Lovison, CFP, CPA @SeanLovison]

Check out the full guide on CNBC featuring insights on T-bills, Muni bonds, and ETFs: https://t.co/sEbFPxYZgy

[Sean Lovison, CFP, CPA @SeanLovison]

Honored to be quoted in @CNBC today breaking down short-term cash strategies following the latest 4.2% CPI inflation print.

With consumer prices rising, keeping short-term cash optimized matters more than ever. My take from the piece: 🧵👇

[Sean Lovison, CFP, CPA @SeanLovison]

"For my clients and my own personal cash, I prefer ultra-short Treasury ETFs. You get a yield backed directly by the U.S. government [and] daily liquidity."

When interest rates are elevated, you don't need to take on unnecessary market risk with your cash reserves - you just need to match the right vehicle to your exact timeline.

[Sean Lovison, CFP, CPA @SeanLovison]

Stop letting the tax code dictate your cash flow. Read the full breakdown and learn how to act as your own personal CFO here: https://t.co/tAWck4yqqc

[Sean Lovison, CFP, CPA @SeanLovison]

Corporate executives: Why do you keep getting hit with a massive, unexpected tax bill every April despite your employer handling payroll automatically?

It’s not an error. It’s a built-in feature called the 22% Supplemental Tax Trap.

[Sean Lovison, CFP, CPA @SeanLovison]

How to fix it:
1️⃣ Use the 110% Prior-Year Safe Harbor method to eliminate underpayment penalties.
2️⃣ Run a mid-year tax forecast to calculate your true effective liability.
3️⃣ Use Line 4(c) on your W-4 to adjust your base withholding and absorb the equity gap.

[Sean Lovison, CFP, CPA @SeanLovison]

The math: A $100k RSU vest automatically withholds $22k for the feds. But if you’re in the 35% bracket, you actually owe $35k.

That is an instant $13,000 tax deficit compounding on a single equity event. Multiply that by several vests a year, and the April bill hurts.

[Sean Lovison, CFP, CPA @SeanLovison]

The IRS mandates a flat 22% statutory withholding rate on "supplemental income," which includes your corporate bonuses, commissions, and RSU vestings.

But if you are a senior leader earning $400k+, your actual marginal tax bracket is likely 32%, 35%, or 37%.

[Sean Lovison, CFP, CPA @SeanLovison]

The "Trump Account" (Section 530A) officially launches on July 4, 2026.

But for high-earning households, it's not a silver bullet. It's one piece of a complex tax puzzle involving 529s, Roth IRAs, and the Kiddie Tax.

Here is the 2026 Child Savings Hierarchy: https://t.co/RBgc6TaAEG

Don't let a "one-size-fits-all" approach lead to an accidental 37% tax bill on your kid's savings.

#TaxTwitter #Investing #OBBBA #FinancialPlanning #RothIRA

[Sean Lovison, CFP, CPA @SeanLovison]

Big thanks to Stephen & @EarlyBirdEmail for a great roundtable!

Listen on Apple: https://t.co/6M5aaNfm8h

Not financial advice; for educational purposes only. Consult a pro for your specific portfolio.

#Investing2026 #StockMarket #AI #EarlyBirdPodcast

[Sean Lovison, CFP, CPA @SeanLovison]

My firm's core is broad-based ETFs, but I’ll let you in on a secret: I still love the "search for Alpha." I keep a small % for high-conviction picks—it’s about math + the hunt for the next winner.

[Sean Lovison, CFP, CPA @SeanLovison]

What we covered for 2026:
🌍 Intl Super-Cycle: The valuation gap is now too big to ignore.
🤖 AI Implementation: Moving from chatbots to industrial execution (GOOGL, Samsung).
📈 Inflation: How a Fed board shift impacts REITs/Financials.

[Sean Lovison, CFP, CPA @SeanLovison]

New Year, New Tax Strategy.

It’s Jan 3rd, 2026. You have a full year to shift $16k+ of business profit into your child’s 0% tax bracket.

The result?
✅ Lower tax bill for you.
✅ Tax-free Roth IRA for them.
✅ Huge payroll tax savings.

The "How-To" for 2026:
https://t.co/2VfRv8Rlli

#TaxStrategy #FamilyBusiness #WealthBuilding #2026Taxes

[Sean Lovison, CFP, CPA @SeanLovison]

US stocks led for nearly a decade. In 2025? International is winning big.

Diversification is still a thing. Don't chase yesterday's winners. Build for tomorrow.

https://t.co/g9TWgAopZa

#Investing #Markets #Stocks #WealthManagement #FinancialPlanning

[Sean Lovison, CFP, CPA @SeanLovison]

High earner? Don't just write a check this #GivingTuesday.

Strategic giving = More impact + Lower taxes.

Things to consider:
🔹 QCDs: Now indexed for inflation (up to $108k!)
🔹 Bunching: Beat the high standard deduction.
🔹 Stock vs. Cash: The executive's best move.

https://t.co/BuYl5R0d9B
#TaxTwitter #Philanthropy #WealthManagement #FinancialPlanning #Investing

[Sean Lovison, CFP, CPA @SeanLovison]

Financial Freedom Reimagined: Coordinated Planning for Today's High Earners - https://t.co/E5HS76R2c7

[Sean Lovison, CFP, CPA @SeanLovison]

High-Net-Worth Client Satisfaction:

🥇 Personal Trainer: 9.3
🥈 Pool Service: 8.0
🔻 Financial Advisor: 7.2

Traditional model failed. Solution: Integrated CFP/CPA expertise & max 50 clients per advisor. Stop paying for generic.

https://t.co/296dybJpnz

#WealthManagement #HNWI #CFP #CPA

[Sean Lovison, CFP, CPA @SeanLovison]

Sadly, not much on this CNBC survey surprises me. The very first thing I tell potential clients during a discovery meeting is that the most important factor when selecting an advisor (assuming they are all CFPs) is that they need to be comfortable talking with the person.

Our ability to help is severely limited without open communication.

However, I was genuinely shocked by one of the professions that had a higher satisfaction rate than their financial advisor: Their Pool Service Person!?!?!

I'm seriously starting to worry there might be some truth to those old 'pool boy' stories you hear about!

https://t.co/yqeLepdajG

[Sean Lovison, CFP, CPA @SeanLovison]

Myth: "I'll die at 78, so delaying Social Security or doing Roth conversions is pointless."

Reality: If you make it to 65, you're planning for 83-85+.

That difference is a GUARANTEED 30%+ SS raise & decades of tax-free growth through conversions. Don't leave value on the table.

https://t.co/f9wClMflql

#SocialSecurity #RothIRA #RetirementPlanning #TaxHacks #LongevityRisk #Wealth

[Sean Lovison, CFP, CPA @SeanLovison]

AI stocks got you buzzing? You probably already have more #AIExposure than you think!

Our latest article reveals why your #SP500 portfolio is likely already riding the AI wave. The "Magnificent 7" = 35% of S&P 500 (deep in AI) and AI set to add ~$920B to S&P 500 earnings by 2026!

Don't chase hype. Diversify smart. #FinancialPlanning

https://t.co/5lN7nNZCl3

#AIInvesting #SP500Investing #SmartInvesting #RetirementPlanning #FinancialFreedom #WealthBuilding #noFOMO #PurposeBuilt