Financially Free

November 16, 2021 | Alvin Carlos, CFA, CFP®


Blog: The Complete Guide to Restricted Stock Units

Are RSUs part of your compensation package or are you looking at a position that offers RSUs?  RSUs can become a significant part of your net worth over time. It’s important that you understand how they work, how they are taxed, and how to manage your RSU compensation. This guide will tell you everything that […]

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November 16, 2021 | Alvin Carlos, CFA, CFP®


Blog: Apply for FAFSA 2022-2023

Every person who is about to attend college should know about the Free Application for Federal Student Aid and the process to apply. October means that the FAFSA applications are open for 2022-2023. Our video blog is going to cover commonly asked questions and 4 FAFSA tips.   What is FAFSA and how does it […]

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October 22, 2021 | Alvin Carlos, CFA, CFP®

public service loan forgiveness

Blog: Big Changes For Public Service Loan Forgiveness

Do you want your federal student loans to be forgiven, and have you been working for the government or a nonprofit? If the answer to both is yes, here’s some good news for you. The US Department of Education just announced an overhaul to the Public Service Loan Forgiveness (PSLF) program for a limited time […]

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October 21, 2021 | Alvin Carlos, CFA, CFP®

401k benefits

Blog: 8 401(k) Benefits You Should Know About

There are many benefits of 401(k) plans, and some are less known than others. A 401(k) is a type of retirement plan offered by an employer in which the employee can defer part of their paycheck into a retirement account to grow for their retirement years. Many people have access to a 401(k) retirement plan. […]

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October 14, 2021 | Alvin Carlos, CFA, CFP®

Blog: 5 Tips For Your Settlement Money

Did you just receive a sizeable amount of settlement money? It’s probably an emotional time for you, but you’re also thinking, “What should I do with all this settlement money?” Cashing in a half a million or a million dollar check can be quite scary and intimidating. Here at District Capital, we work with clients […]

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October 7, 2021 | Alvin Carlos, CFA, CFP®

Blog: What Happens to a 401(k) When You Quit Your Job

Most Americans today have an average of 12 jobs in their lifetime. Gone are the days of getting a job straight out of school and staying there until the day you retire. With moving jobs often comes the question, “what should I do with my old 401(k)?” Most people don’t want 12 retirement accounts sitting […]

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October 4, 2021 | Alvin Carlos, CFA, CFP®


Blog: UGMA vs UTMA

Do you want to set some money aside for your child? There are several ways to help set your child up for a strong financial future. If a 529 college savings plan isn’t ideal because you aren’t sure if your child will go to college, then you may want to look into Uniform Gifts to […]

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September 30, 2021 | Alvin Carlos, CFA, CFP®

mega backdoor roth

Blog: How Does A Mega Backdoor Roth Work?

A Mega backdoor Roth is a retirement savings strategy that could allow you to put up to $38,500 in a Roth 401(k), on top of your regular $19,500 annual contribution. There are many moving pieces that all need to fall into place in order for this strategy to work, so we highly recommend you consult […]

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September 20, 2021 | Alvin Carlos, CFA, CFP®

Blog: How Do Employee Stock Purchase Plans Work?

Do you want to fully understand and maximize your employee stock purchase plan at work? Here are twelve tips to help you get there! #1 What is an employee stock purchase plan? An employee stock purchase plan (ESPP) is a benefit offered by several large companies such as Hilton, Disney or Apple. It allows you, […]

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August 31, 2021 | Alvin Carlos, CFA, CFP®

Blog: How To Calculate ROI On Rental Property

Are you thinking of buying a rental property? In this video, I’m going to teach you how to compute the rate of return or ROI on your potential rental property. Sounds complicated, but it’s pretty straightforward. If you’re putting in tens of thousands of dollars towards your real estate investment, you might want to know […]

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