Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

The Financial Planning Guide for Parents With Special Needs Children Find out who parents can plan, financially, for their special needs child--including savings, health insurance, life insurance, and estate planning. Stock Options vs. Restricted Stock Units (RSUs): How Do They Differ? Photo of Lance Cothern Lance Cothern Stock Options vs. Restricted Stock Units (RSUs): How Do They Differ? Stock options and restricted stock units (RSUs) are both forms of equity... The Difference Between Long-Term vs. Short-Term Capital Gains Photo of Lance Cothern Lance Cothern The Difference Between Long-Term vs. Short-Term Capital Gains New investors may not be familiar with the terms: long-term capital gains and... How to Invest in Silver Learn about all the different ways that you can invest in silver, a physical commodity that people use to diversify their investment portfolios. The Roth IRA 5-Year Rule: Ensure that Your Withdrawals Are Tax-Free Learn about the Roth IRA 5-year rule, which may restrict your ability to make tax-free withdrawals of your earnings. How to Invest in IPOs (Initial Public Offerings) Photo of Lance Cothern Lance Cothern How to Invest in IPOs (Initial Public Offerings) You’ve probably heard stories of investors making a ton of money on stocks such as... How to Trade Options Photo of Lance Cothern Lance Cothern How to Trade Options You may have heard about the concept of trading options before. If you have no... How Much Does a Financial Advisor Cost? How to Invest in Oil Companies, Producers, ETFs & Mutual Funds Learn how you can invest in the oil industry, whether that is through oil company stocks, ETFs, or mutual funds. 702(j) Retirement Plans: Same as Life Insurance? Photo of Lance Cothern Lance Cothern 702(j) Retirement Plans: Same as Life Insurance? You may have seen sketchy sounding advertisements promoting a 702(j) retirement...