There are four practical ways to reduce a concentrated stock position. You can sell it outright. You can sell it in stages across tax years. You can contribute it to an exchange fund. Or you can sell covered calls against it while you decide. Every one of them costs something. An outright sale costs you…
If you are retiring with your employer’s stock inside your 401k, the standard rollover advice can be wrong for that one piece of your account. Net unrealized appreciation, usually shortened to NUA, is a provision that lets you take those shares out of the plan in kind rather than rolling them into an IRA. You…
Market volatility isn’t something we try to sit out. It’s something we get paid for. At Freedom Capital Advisors, a Florida-registered investment adviser, one of the strategies we’ve relied on for a while is selling options, covered call writing in most accounts and puts in more aggressive ones. Volatility actually works in our favor on…
Wall Street has turned into a cloudy, cumbersome matrix of pre-packaged products and high-fee mutual funds. That’s not a knock from the outside, it’s the exact business I spent years inside of before I walked away from it. This is the story of why I built Freedom Capital Advisors, and why “old school” fiduciary values,…
I’ve lived in the Clermont area for a long time. I’ve watched this community grow from a quiet citrus town into one of Central Florida’s most popular places to retire, and I’ve had the privilege of sitting across from hundreds of people in Lake County who worked hard their entire lives and are now trying…
A fiduciary financial advisor is an advisor who is legally required to act in your best interest at all times. That might sound like a low bar, but in the financial industry, most advisors are not held to it. A traditional broker operates under a “suitability standard,” meaning they only need to recommend investments that…
Most people never think to ask their financial advisor that question. They find someone they trust, build a relationship over decades, and assume the arrangement will simply continue. But there is a common practice inside this industry that clients rarely hear about, and if you have a long-term relationship with an independent advisor, it is…
If you’ve left a job and have a 401k sitting with your former employer, the best place to roll it over is an independent registered investment adviser who works as a fiduciary, building a strategy around your specific situation rather than placing you into a one-size-fits-all menu of options. That’s not the answer most people…
When the United States and Israel struck Iran on February 28, 2026, following weeks of military buildup, the S&P 500 dropped roughly 8%. Oil spiked from $72 a barrel toward $120. The Strait of Hormuz, the narrow waterway through which 20% of the world’s oil supply flows, closed. By any measure, the world had just…
Somewhere along the way, the word “options” became synonymous with “gambling” in the minds of most retail investors. I’ve spent four decades in the markets, so I completely understand how that happened. The stories that made headlines were always the same: a trader who bought speculative calls on a meme stock, or someone who lost…
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Email Ron: Ron@freedomcapitaladvisors.com
Email Logan: Logan@freedomcapitaladvisors.com
