District Capital Management

09/02/2026

Everyone on the SAVE plan wants to know how to get the lowest possible payment on the new plan.

That's the wrong question to start with.

Here's why.

The Repayment Assistance Plan that launched July 1 will mean a higher monthly payment than SAVE for a lot of borrowers. SAVE calculated payments off discretionary income with a generous exemption. RAP applies its percentage to your total AGI, with a much smaller floor.

Higher payment, but a more durable one. Unpaid interest doesn't get tacked onto your balance anymore, and the government kicks in up to $50 a month toward principal if your payment doesn't cover that much. Your balance moves down every month, guaranteed.

The math: RAP runs 1% to 10% of your AGI, rising a point for every $10,000 you earn above $10,000. Someone earning $60,000 lands around the 5% band, roughly $250 a month before adjustments.

Now the real question surfaces. If you're pursuing Public Service Loan Forgiveness, the lowest payment was never the goal. The goal is a plan whose payments still count toward those 120 qualifying months, while your budget holds for the years it takes to get there. Someone with no forgiveness path in sight should be optimizing for something else entirely.

PSLF itself is still intact. Balances are forgiven tax free after 120 qualifying payments, and a 2026 rule that would have narrowed who qualifies was blocked in court.

Don't let the "which plan is cheapest this month" headline make the decision for you. Price out what the plan does to your forgiveness timeline and your budget together, then compare it honestly to doing nothing.

08/26/2026

Prepay a 6.6% mortgage early and your amortization schedule spits out a jaw-dropping "interest saved" number. It's the most seductive figure in personal finance. And the one I'd trust least.

Here's why it flatters prepayment so much.

On a young, large mortgage, almost every early payment is interest and barely any is principal. So throwing a lump sum at the balance early looks like it wipes out a fortune in future interest, sometimes hundreds of thousands over the life of the loan.

That total is real. But it's a nominal number spread across three decades, and the actual rate you earn by prepaying is just your mortgage rate. Nothing more.

And that rate probably isn't what you think it is.

If you itemize, your mortgage interest is deductible at the margin. That can quietly knock a couple of points off the rate that actually matters. A loan with a 6.6% sticker rate might really be costing something closer to the mid-4s after tax.

Now the comparison looks different. You're not weighing a scary six-figure interest total against zero. You're weighing a mid-4s after-tax return against whatever else that cash could do: superfunding a 529 or maxing out retirement contributions.

Prepaying is still certain. No market risk, no timing. That's worth something, and for some people it wins.

Just don't let the "interest saved" headline make the decision for you. Price out the true after-tax rate on the debt, then compare it honestly to the alternative. That's the only version of this math that's apples to apples.

08/24/2026

If you've got RSUs, NSOs, or ISOs, your brokerage may be quietly setting you up to pay tax twice on the same shares.

It's one of the most common mistakes we see on equity comp tax returns. Your 1099-B often reports a cost basis that's too low, because it doesn't account for the income you already paid tax on when the shares vested or the option was exercised. Use that number without adjusting it, and you'll be taxed again on money you've already been taxed on.

That's just one trap. Our new guide breaks down how each type of equity is actually taxed, at vesting, at exercise, and at sale, plus the ISO/AMT mistake that can hand you a tax bill on stock you never sold, and why that flat 22% RSU withholding leaves so many high earners underwithheld at filing.

If your comp package is more complicated than your last one, this is worth 12 minutes.

Learn how RSUs, NSOs, and ISOs are taxed at vesting, exercise, and sale, with 2026 tax rates. Guidance from a fee-only fiduciary in Washington, DC.

03/02/2026

You asked ChatGPT for the best stock to buy. It gave you a list. Tickers. Rationales. Confident breakdowns.

But if you’re 40 years old with RSUs vesting this year, a 401(k) you haven’t optimized, and a spouse with employer benefits you’ve never fully reviewed… “Which stock should I buy?” might be the wrong question.

That’s the real difference: AI answers the question you ask. A fiduciary advisor helps you figure out the question you should be asking.

Financial decisions aren’t information problems. They’re context problems. The right move depends on your taxes, benefits, cash flow, risk tolerance, retirement timeline, and how all of those pieces interact.

ChatGPT can answer your financial questions, but can it ask the right ones? Learn where AI falls short & when a fiduciary financial advisor makes the difference

02/27/2026

If you're a business owner considering a loan, here's something most people miss: the interest rate isn't the only number that matters.

I was recently quoted in the Wall Street Journal on business loan costs, and the biggest trap I see small-business owners fall into is factor rate loans.

Here's what you need to know:
❌ Unlike a mortgage, paying down principal early on a factor rate loan does NOT save you money. The total cost is fixed from day one.
✅ Factor rate loans do have a place, but only for short-term cash crunches (think: meeting payroll) when a line of credit is unavailable or maxed out.

The better long-term play? Build your credit so you never have to rely on them.

A few moves that make a real difference:
→ Keep credit card utilization around 1% of your limit
→ Hold onto old credit cards to preserve your credit history
→ Avoid carrying large balances on personal cards

Your personal credit matters more than most business owners realize — especially in the early years when business credit history is thin.

https://www.wsj.com/buyside/personal-finance/business-loans/business-loan-cost

Here’s what determines the cost of a business loan.

02/24/2026

Robo-advisor or financial planner - which one is actually right for you?

Most people default to cost as the deciding factor. But after years of working with high-earning professionals, I've found that the real question is complexity, not cost.

Here's a simple 60-second self-check. Ask yourself:
- Do you have decisions that impact taxes or benefits? (401k, equity comp, Roth conversions)
- Are you juggling multiple major goals at once? (home, kids, early retirement, career change)
- Would you value guidance when life changes, or markets get stressful?

0–1 "yes" answers? A robo-advisor might be just fine. 2–3 "yes" answers? You may benefit from a financial planner.

The truth is, robo-advisors can be good at one thing: automated investing. But they don't help you optimize your 401(k) contributions, navigate equity compensation taxes, plan for early retirement, or coordinate decisions across your whole financial life.

That's where a fee-only, fiduciary planner earns their value.

Compare robo-advisors and fiduciary financial planners. Learn how each approach works, what “complex” finances really mean, and how to choose (or combine) both.

02/19/2026

After grad school, I became the person spending Saturdays reading Warren Buffett books and money magazines… for fun.

Along the way, I fell in love with personal finance because I saw how a few smart moves (Roth IRA, investing, improving credit, and having a plan) could create real freedom and peace of mind.

Once I felt that shift, I couldn’t help but share it. It honestly felt like discovering a great movie and immediately telling your friends.

That spark became District Capital Management.

I started this firm to serve people like my friends: ambitious, busy professionals who want smart, fiduciary advice, without the smoke and mirrors.

Helping people get clarity with their money isn’t just my job. It’s my calling.

What’s your “why”?

02/13/2026

Small business owners: I see the same 3 money mistakes over and over.

If you’re self-employed, these can quietly cost you thousands in taxes, missed growth, and messy cash flow.

Running a business is risky enough; your personal finances shouldn’t be.

02/11/2026

How to tell if your financial advisor is truly fee-only:

Fee-only means your advisor is paid only by you, not by products, not by commissions, not by referrals. It’s one of the clearest ways to reduce conflicts of interest.

In my latest video, I share the one question to ask to verify it.

02/06/2026

Most people wait too long to hire a financial advisor.

They assume they need to have everything figured out first.
In reality, the right time is when your financial life starts getting more complex—not when it’s “done.”

You may be ready for a financial advisor if:
• You’re saving $2,000+ per month
• You’ve built $300,000+ in retirement or cash
• You’ve received a raise, changed jobs, or started earning RSUs or stock options
• You’re thinking seriously about early retirement

The right moment isn’t about hitting a magic number.
It’s when your money deserves a clear plan.