Schmidt Financial Management, Inc.

Schmidt Financial Management, Inc. Where execs and tech professionals go for financial advice

One of the biggest misconceptions about RSUs is timing. RSUs are taxed as ordinary income at vesting, regardless of whet...
06/22/2026

One of the biggest misconceptions about RSUs is timing. RSUs are taxed as ordinary income at vesting, regardless of whether you sell the shares or hold them. That means tax exposure often arrives before liquidity decisions are made. Without a plan, this can create:

• Unexpected tax bills
• Cash flow strain
• Overexposure to company stock

Proactive planning helps align vesting schedules, tax withholding, and diversification decisions.



Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

Graduates and young professionals often feel pressure to have a perfect plan: the right job, the right city, the right f...
06/18/2026

Graduates and young professionals often feel pressure to have a perfect plan: the right job, the right city, the right five-year roadmap.

But early adulthood is not about having all the answers. It is about learning how to ask better questions.

- What kind of life do I want to build?
- What matters to me?
- What kind of work gives me energy?
- What kind of people do I want around me?

That's why author Raffi Grinberg suggests a quarter-life crisis instead of waiting until midlife. It does not have to be a breakdown; it can be a turning point.



Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

We’re honored to share that Schmidt Financial Management has been recognized as a 2026 Investment News: 5-Star Wealth Ma...
06/17/2026

We’re honored to share that Schmidt Financial Management has been recognized as a 2026 Investment News: 5-Star Wealth Management Team!

This recognition is especially meaningful because it celebrates what we value so deeply: the strength of our team behind the client experience.

Every client relationship at Schmidt is supported by people who care deeply, think proactively, collaborate thoughtfully, and bring their best to the work each day. From planning conversations and investment strategy to operations, service, and the many details that help families feel supported, this recognition belongs to our whole team.

We’re grateful to our clients for their trust, and proud of the people at Schmidt who make this work so meaningful.

Congratulations to our entire Schmidt Financial Management team!



*The ranking was given by a person other than a current client or investor. No direct or indirect compensation was provided or obtained in connection with obtaining or using this ranking. The ranking was generated based on data as of February 5, 2026. View the complete list of advisors at: https://bit.ly/4ozukkN.

06/11/2026

You've probably heard of a midlife crisis, but have you heard of a quarter-life crisis? Thanks, Raffi, for encouraging the next generation to design a life they want to live.



Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

From the highchair to a cap and gown, graduation season often brings more than celebration. It brings reflection, big tr...
06/09/2026

From the highchair to a cap and gown, graduation season often brings more than celebration. It brings reflection, big transitions, and important questions about how to support the next generation well.

For some Schmidt client families, this season may include a graduate heading to college, starting a first job, moving into a first apartment, or learning how to make more independent financial decisions.

In our latest blog, we explore how a graduation gift can become more than a one-time gesture. From cash gifts and 529 contributions to UTMA accounts, stock gifts, and meaningful financial conversations, there are many ways families can help young adults step into this next chapter with more confidence.

We also highlight a new resource we created for our clients’ graduates and young professionals, inspired in part by our conversation with author Raffi Grinberg, whose book "How to Be a Grown Up" explores the practical life skills young adults need as they move into greater independence.

*This post is the first in a series of clips and insights we’ll be sharing from that conversation. Read the blog: https://schmidtfm.com/blog/helping-graduates-prepare-raffi-grinberg



Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

06/01/2026

Congratulations, 2026 graduates, including our very own - Dominic Hubert's daughter, from all of us at Schmidt Financial Management!

Your hard work has paid off, and we hope you take some time to reflect on your journey to this moment and celebrate your achievement.

PS Watch this space! A useful resource specifically designed for graduates and young professionals will be available to our clients soon!



Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

“Equity compensation” is often used as a catch-all term, but the reality is far more nuanced. RSUs, stock options, ESPPs...
06/01/2026

“Equity compensation” is often used as a catch-all term, but the reality is far more nuanced. RSUs, stock options, ESPPs, and performance shares all behave differently from a tax, timing, and risk perspective. Decisions that make sense for one type of equity may be costly for another. Understanding how each award fits into your overall compensation structure is key to avoiding surprises and making informed decisions. These are the exact scenarios Schmidt helps clients model to make informed decisions based on their unique situations. Is it time to have a financial plan that's as unique as your equity compensation?

Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

Deferred Compensation Plans (DCPs) are often offered to senior-level professionals to defer income beyond traditional 40...
05/19/2026

Deferred Compensation Plans (DCPs) are often offered to senior-level professionals to defer income beyond traditional 401(k) limits.

Used strategically, DCPs can help:

• Lower current taxable income
• Shift income into future years
• Support retirement and liquidity planning

But they also come with important trade-offs, including liquidity constraints, employer credit risk, and limited flexibility once elections are made. This is one benefit where strategy matters far more than participation alone.

Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

Congratulations to Evan Schmidt and Dominic Hubert on being recognized among the Investment News 5-Star Financial Planne...
05/18/2026

Congratulations to Evan Schmidt and Dominic Hubert on being recognized among the Investment News 5-Star Financial Planners for 2026.

We believe this recognition reflects the care, strategy, and dedication Evan and Dominic bring to helping clients make confident financial decisions, especially when life, wealth, and equity compensation intersect.

We’re grateful to have advisors who lead with thoughtfulness, clarity, and a deep commitment to the people we serve.

Congratulations, Evan and Dominic!



*The ranking was given by a person other than a current client or investor. No direct or indirect compensation was provided or obtained in connection with obtaining or using this ranking. The ranking was generated based on data as of August 31, 2025. View the complete list of advisors here: https://bit.ly/49zCWBL

Some high earners are underinsured without realizing it. Translating insurance terms into potentially realistic sums is ...
05/04/2026

Some high earners are underinsured without realizing it. Translating insurance terms into potentially realistic sums is a helpful exercise, like these examples:

• Group life insurance = 1-2x salary
• Long Term Disability (LTD) = 50-60% income replacement

We help tech professionals assess gaps and layer in additional coverage to protect what they’ve built. We like to call this practice an exercise in proactivity rather than reactivity.

Disclaimer: Schmidt Financial Management, Inc. is a Registered Investment Advisor Firm. Schmidt Financial Management, Inc. does not provide tax, accounting or legal advice. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted. Schmidt Financial Management, Inc. does not intend to provide personalized investment advice through this site, post, or video.

Address

3435 Carillon Point
Kirkland, WA
98033

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+14258939195

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