Bear Mountain Capital Inc.

How to Think About Your Restricted Stock Units (RSUs)

| April 27, 2022

Given the growing popularity of equity compensation plans amongst the country’s largest corporations, offering stock to employees has become a crucial employee benefit. One of the most common forms of equity compensation are known as Restricted Stock Units, or RSUs for short. According to a 2020 survey from Charles Schwab, 5 in 10 millennials said that equity compensation was one of the main reasons why they took their job. Clearly,…

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MARKET TIMING: WHY NOT TRY?

| April 5, 2022

During times of high market valuations and following long-periods of strong market returns, we are often asked where we think the market is “going from here”. The real question behind this inquiry is “is it time to sell?” When markets go up, it’s natural to be excited about the gains, while feeling nervous about giving back those same gains in the next market downturn. The crux of the question is…

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Will You Receive Social Security?

| December 14, 2021

Each year the Social Security Administration releases their Annual Trustees Report, which provides information about the projected funding levels of the Social Security trust fund. Unless you’re looking for great bedside reading material, you probably haven’t read this year’s report. Here’s the TLDR version – the Social Security trust fund will run out of money by 2033. Society has accepted many things as common knowledge, like swallowed bubble gum taking…

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ESG Investing: Return Tradeoff?

| August 17, 2021

Investing trends don’t start out of nowhere. Usually, some event happens and pushes investors towards a certain area of the market. In the case of the last year, the pandemic left a lot of people stuck in their homes with more time on their hands than normal, so many turned to the stock market. The retail investor had a resurgence. The rise of the “meme stock” captured the headlines, but…

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Slavery and It’s Everlasting Effects on Economic and Racial Inequality

| August 18, 2020

In February of 1968, Harry Belafonte, host of the Tonight Show on NBC, had Martin Luther King Jr. on as a guest. Below is a clip of Martin Luther King Jr. responding to a question from his host and the following quote: “The economic problem is probably the most serious problem confronting the Negro community, and, I might say, the most serious problem confronting poor people generally”. It’s no secret…

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The Federal Reserve and It’s Impact on the Market Recovery

| August 18, 2020

Many people have been caught off guard by the recent market volatility. Most have been surprised to see asset prices increase so quickly after hitting bottom in March. We’ve seen unexpected price movements before, but this was quite extreme given the fact that we are still very much in the middle of a pandemic, with no immediate end in site. What has been driving the recent recovery? Government intervention has…

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Economic Health vs. Public Health

| August 18, 2020

A debate has been raging in this country, regarding the economic toll and public health toll that this pandemic has caused. The arguments range from concerns about an economic depression caused by mandatory government shutdowns, to concerns about our health care system being overwhelmed by sick patients and an untold number of unnecessary deaths occurring due to an unchecked COVID-19 virus. We believe it is a false narrative to say…

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What You Should Know About The $2 Trillion Fiscal Stimulus Bill

| April 3, 2020

COVID-19 has emerged as a pandemic according to the World Health Organization. In an effort to minimize the spread and the risk of an overwhelmed health care system, governments have followed the advice of epidemiologists and have engaged “shutdowns” with various work-from-home or shelter-in-place mandates. As a result, many businesses have temporarily closed their doors and the U.S. recently saw the largest spike in single-week unemployment claims ever, up 6.6…

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Are You Close to Turning 65? Have You Applied for Medicare?

| April 10, 2019

Are you close to turning 65? Did you just turn 65? If the answer is yes to either of those questions, and you haven’t considered your requirement to sign-up for Medicare, you could be in for some pain later. Unless you are covered by an employer plan at the time you turn 65, it’s important to realize you are required to enroll in Medicare. Or else… There is a 7…

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Uncommon Employee Benefits: Flexible Spending Account

| April 9, 2019

When someone starts a new job, there is generally an onboarding process. Part of this process usually includes enrolling in employee benefits such as medical plans, insurance plans, and retirement benefits. Most of us are familiar with the benefits of 401(k)s, and some of us are familiar with the ins-and-outs of health savings accounts or HSAs (if you’re not, see a refresher here). Increasingly, companies are beginning to offer another…

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