Sandy Cardy

Stock options in volatile times

If some of your clients have stock options as part of their employment package, they should be aware of how these options are taxed, and the risks associated with this type of compensation. While there are no tax consequences when stock options are granted, a taxable benefit is triggered at the time the options are […]

By Sandy Cardy |February 2, 2009

6 min read

Tax strategies in a down market

Given the market conditions over the past few months, there’s a good chance that many of your clients are faced with investment losses in their portfolios. The psychological fallout of the whipsawing markets has continued to drive down the value of both good and bad stocks, so just about everyone is facing sizable losses in […]

By Sandy Cardy |December 17, 2008

5 min read

The joint tenancy trap: Joint names no longer ensure ownership

Joint ownership is nothing new. In fact, it’s as common a practice as naming beneficiaries in registered plans and life insurance. Still, in this day and age, the joint tenancy snafu can be one of the biggest traps in personal financial planning. In my practice, I get a lot of questions from financial advisors across […]

By Sandy Cardy |January 31, 2008

10 min read