Olympus Wealth Strategies

06/16/2026

Half of 2026 is already gone…

And it’s a good reminder of one of the most powerful things we have in financial planning:

Time.

Time is what allows compounding to work. It gives small decisions the opportunity to grow into something much bigger over the years.

But here’s the challenge…

The same thing that makes time so powerful is also one of the hardest things to do:

Stay disciplined.

Life happens. Priorities change. Unexpected expenses come up. It’s easy to tell ourselves we’ll “start later” or “save more when things settle down.”

But when we work with multiple generations of families, one of the questions we hear most often from younger investors is:

“Where do I even start?”

My answer is simple:
Anything makes a difference.

Starting early and building the habit of consistently saving, even if it’s a small amount, puts you ahead of where many people are. More importantly, it builds the discipline and confidence to make better financial decisions as life changes.

Because time moves faster than we think.

The best time to start building your financial future is today.

06/11/2026

Most investors know about tax-loss harvesting. But not many talk about tax-gain harvesting.

And depending on your situation, it could be one of the most valuable tax planning opportunities available.

If you are:
• In a lower-income year
• Between jobs or transitioning careers
• Recently retired
• Early in retirement

You may have an opportunity to strategically realize long-term capital gains while paying 0% federal capital gains tax.

Why does this matter?
Because harvesting gains can allow you to:
▪️ Reset your cost basis higher
▪️ Rebalance investments with less future tax impact
▪️ Create more flexibility in retirement income planning

The key is timing.

A decision that looks unnecessary today could create significant value years down the road.

One important highlight for retirees: realizing gains can impact Medicare premiums through IRMAA.

Taxes aren’t just something you deal with in April.

The best strategies are often the ones you plan for years in advance.

06/09/2026

Big IPOs don’t test the company.
They test investor behavior.

With SpaceX scheduled to IPO this Friday here are some helpful tips to avoid any day-of frustrations if you decide to buy.

1) Your cash position.
You need cleared cash. Make sure to place trades ahead of time or transfer money into your account.

2) Your order type.
Most custodians require limit orders the first day of an IPO. Volatility of a newly traded stock, especially with this much hype around it, will be the norm for a while.

3) You are not trading fundamentals.
You’re trading imbalance and emotion.

And for the “will it go into the S&P 500?” yes, potentially over time. But index inclusion isn’t about hype or market cap alone. It requires quarter-over-quarter profitability and being publicly listed for at least a year. The fastest this could happen is mid 2027.

06/03/2026

Most people don’t realize their stock options can be taxed in very different ways depending on whether they’re Incentive Stock Options (ISOs) or Nonqualified Stock Options (NQSOs).

One can offer long-term capital gains treatment under the right conditions.
The other typically triggers ordinary income at exercise.

Same idea… very different tax outcomes.

We break it down in the video, and I included a short whitepaper in the comments if you want a deeper dive and comparison.

05/26/2026

05/26/2026

A lot of people end up overpaying taxes on restricted stock simply because nobody explained the 83(b) election to them in plain English.

And the kicker? In many cases, you only have 30 days to make the decision that impacts you potentially years down the road.

We break down:
• What an 83(b) election actually is
• Why some people choose to pay income taxes upfront
• How that can potentially convert future growth into capital gains instead of ordinary income
• When making the election can make sense… and when it absolutely might not

This is one of those small planning decisions that can have a massive long-term impact if the stock value takes off.

If you receive equity compensation, work for a startup, or may one day have restricted stock awards, this is something you should understand before it’s too late.

05/20/2026

Arkansas is called The Natural State for a reason.

Whether it’s hunting, fishing, weekends at the lake, or simply appreciating the outdoors, a lot of what makes Arkansas special is tied to our land and wildlife.

I recently sat down with the Chief of Communications for Arkansas Game and Fish Commission, Keith Stephens for a great conversation around:
• conservation
• hunting & fishing culture
• public land
• lake season
• Arkansas growth and development
• protecting what makes this state unique

Really enjoyed this discussion and the work being done behind the scenes to preserve the outdoors for future generations of Arkansans.

https://youtu.be/ps3_Jyhty2s?si=XIoIGMSHzS05lXf-

Arkansas is known as “The Natural State” for a reason, but what doe...

05/15/2026

RSUs can be an incredible wealth-building tool for employees… but many people don’t fully understand what happens once they vest.

When your Restricted Stock Units (RSUs) vest, the Fair Market Value (FMV) at vesting is generally taxed as ordinary income and reported on your W-2.

But after that point, any future growth is typically taxed at capital gains rates if you continue holding the shares instead of selling them.

Sounds straightforward… until you zoom out and look at the bigger picture.
I see many professionals:
• Holding large amounts of company stock through RSUs
• Participating heavily in ESPP plans
• Receiving bonuses tied to company performance
• AND relying on that same company for their paycheck

That can create a significant concentration risk where your income, investments, and future wealth are all tied to one business.

Sometimes that concentration pays off tremendously.
Other times, people realize too late that a major portion of their net worth was dependent on a single company continuing to perform.

Every company and every situation is different.

In some cases, holding shares long-term makes a lot of sense based on future growth potential, tax considerations, and conviction in the business.

In others, gradually diversifying may help reduce unnecessary risk and create a more balanced long-term plan.

The key isn’t automatically selling or automatically holding.
The key is understanding what you own, how it’s taxed, and how much of your financial future is tied to one company.

That’s where thoughtful planning matters.

05/12/2026

Most people don’t realize this about Arkansas property taxes...

Once you turn 65 (or qualify as disabled), you may be able to freeze the assessed value of your home for property tax purposes.

And here’s the key insight:
Only ONE spouse has to be 65+ to qualify, not both.

With property values rising across Arkansas, this can make a meaningful difference over time.

A simple rule most people never hear about... until it could have already saved them money.

05/06/2026

I see this mistake all the time…

Someone passes away, the family says:
“Don’t worry, they had a will.”

And then everything still goes through probate.

6–9 months (or longer), court filings, public records...the whole process.

A will by itself doesn’t skip probate.
It just tells the court what to do during it.

What actually avoids probate:
▪️ Accounts with beneficiary designations
▪️ Assets titled in Trusts
▪️ Real Estate with proper transfer of death provisions

Everything else? If it’s not structured properly, it’s likely going through probate process.

A few small adjustments can make a massive difference for your family later.