Malcolm Ethridge
Malcolm Ethridge is an Executive Vice President at CIC Wealth Management, based in the Washington, D.C. area. As a Certified Financial Planner (CFP(r)), Malcolm's areas of expertise include retirement planning, investment portfolio development, insurance, stock options and other executive benefits. He leverages that expertise to help senior managers, executives, and small business owners in tech make sense of some of the most complex financial situations that working professionals tend to face. Connect with me on LinkedIn . Learn more here .
Articles by Malcolm Ethridge
- Money & Life
What Changes When You Earn $1 Million a Year? The Financial Planning Rules for High-Income Executives
There is no special million-dollar tax bracket, nor does the IRS suddenly hand you a different rulebook once the first seven-figure W-2 arrives.
- Money & Life
Why Smart Investors Chase Stocks They Know They Shouldn’t Buy
The challenge with investing in individual stocks is that the fear of missing out can activate one big stew of behavioral biases all at once.
- PowerAdvice
Retirees Are Discovering They Saved Too Much for Retirement
Clear in their 70s or 80s: that they may have saved far more for retirement than they are likely to spend over the remainder of their lives.
- Money & Life
Market Bubbles Leave Clues Long Before They Burst
And while each cycle is assigned its own narrative, the underlying mechanics tend to look strikingly similar.
- Money & Life
Estate Planning Mistakes Are Costing Wealthy Families Hundreds of Thousands
beneath that headline sits the sobering reality that a meaningful share of that wealth may never reach the next generation, the way it’s intended.
- Money & Life
Think Dividends Mean No Growth? Reality Looks Very Different
These stocks are mistakenly considered appropriate only for retirees seeking income—not for those still in the accumulation phase of their careers.
- Money & Life
Microsoft Offers Early Retirement to Thousands as AI Spending Reshapes Workforce
Weigh several factors before deciding whether accepting an early retirement package is the right move for your personal financial situation.
- Money & Life
Tech Pay Is Changing Fast as Equity Comes Under Pressure
In 2021—the early days of the current bull market—many software companies’ trading multiples seemed untethered from reality.
- Money & Life
Why High Earners Are Missing the Most Valuable Tax Bracket in America
Most taxpayers spend an extraordinary amount of energy trying to shrink their tax bill each year.
- Artificial Intelligence
High Dividend Yields From BDCs Signal Mounting Stress Behind AI Financing
Few corners of the market illustrate this better than business development companies BDCs and private credit funds.
- Artificial Intelligence
Not All Software Companies Will be Taken Out by Artificial Intelligence
Now, under the surface, are a few hidden gems that long-term investors might want to bear in mind.
- Money & Life
Filing Your Own Taxes Works Until It Doesn’t
Modern tax software is designed to provide a step-by-step guide to users, ask the right questions, and flag obvious issues along the way.
- Money & Life
Estate Planning Isn’t Just About Taxes: How To Protect Your Kids From Sudden Wealth
It’s also about managing human behavior over time. And sometimes, naming your children as direct beneficiaries can backfire.
- Money & Life
The Most Overlooked Investing Metric: Why ‘Return on Effort’ Matters More Than You Think
An investment that delivers only a marginally better return than a passive alternative, yet requires exponentially more upkeep and/or expense.
- Money & Life
The Overlooked Estate Planning Step That Protects Your Loved Ones From Conflict
Many stop short of doing the one thing that could make the entire plan work as intended: talking about it.
- Money & Life
Why Doing Nothing Is One of the Smartest Moves in Investing
That itch to act is human, and it’s gotten stronger in the age of push alerts, app badges, and celebratory screen flourishes after each trade.
- Money & Life
Are You Holding Too Much Cash? The Line Between Safety and Missed Opportunity
The question is where the line sits between prudent reserves and a drag on your long-term plan.
- Opinion
Laid Off? Here’s What To Do Next With Your Severance, 401(k), and Stock Options
The challenge is not just deciding what to do next but determining how to navigate a financial transition they didn’t ask for.
- Money & Life
Are Your Children Prepared — Or Even Willing — To Inherit Your Rentals?
Sometimes overlook a fundamental question: Do your children actually want to inherit the properties you've spent decades managing?
- Artificial Intelligence
Apple’s Next Big Move Isn’t AI—It’s Fintech
Yet by focusing solely on AI, Apple risks overlooking a far more immediate and strategic opportunity in financial technology.
- Money & Life
Are Your Heirs Prepared? How to Leave Clear Instructions for Inheriting Your Assets
One of the most vital steps in estate planning is correctly designating beneficiaries for your assets. #death #family
- Money & Life
Why Market Downturns Make ESPPs More Valuable Than Ever
For opportunistic investors, employer stock purchase plans ESPPs become more attractive in a bear market. #investor
- Money & Life
The One Type of Investment Every Smart Portfolio Should Have
The ones that weather market shocks and grow meaningfully over decades—aren’t built on speculation. They’re built on conviction #investor
- Money & Life
Why Single Doesn’t Mean Simple: Estate Planning You Can’t Ignore
Unmarried individuals can also explore, but this planning becomes even more critical because of the lack of a default decision-maker like a spouse.
- Money & Life
Why Ignoring an IRS Notice Could Cost You Big
The absolute worst thing you can do when you receive a letter from the IRS is to bury your head in the sand and hope it goes away. #taxes
- Money & Life
Inherited Money? Here’s How to Spend It with Confidence
It’s almost as if spending even a penny or making any changes would somehow dishonor the person’s memory. #Inheritance
- Money & Life
Protecting Your Trust's Value: The Necessity of Proper Asset Titling
Many individuals stop short of completing the most critical step: retitling their assets into the name of the trust. #estate #trusts
- Money & Life
Should You Pay Off Your Mortgage While Markets Hit Record Highs?
Beyond the numbers, there is a psychological benefit to being mortgage-free. Eliminating major debts can provide peace of mind.
- Money & Life
10 Questions To Ask Your Kids About Money
Some questions that parents can use as conversation starters with their children of any age, to help open up lines of communication. #kids #money
- Money & Life
Understanding Generational Wealth: What It Really Means
Generational wealth is not entirely about money or financial assets; it also includes intangible assets such as education and professional networks #wealth
- Retirement & Income Planning
Transitioning Your Portfolio’s Focus From Growth to Income as You Approach Retirement
This is one of the most common oversights among investors approaching retirement, and it could also be the costliest. #NCRetirementCenter
- Retirement & Income Planning
Changing Gears From Saving To Spending in Retirement
One aspect of retirement planning that is often overlooked is the importance of spending money on activities that bring joy. #NCRetirementCenter
- Multimedia
Accessing the Value of Your Concentrated Stock Position with Anthony LoBalbo
There are ways that you can access the value of your concentrated stock positions and avoid the huge tax bill. #stocks #investing #finance
