Tiffany Lam-Balfour

Lead Writer

Tiffany Lam-Balfour is a former investing writer and spokesperson at NerdWallet. Previously, she was a senior financial advisor and sales manager at Merrill Lynch. Her work has been featured in MSN, MarketWatch, Entrepreneur, Nasdaq and Yahoo Finance. Tiffany earned a finance and management degree from The Wharton School of the University of Pennsylvania.

The latest from Tiffany

How to Write a Will: 7-Step Guide

You can write a will yourself, with estate planning software or by consulting an estate planning attorney.

Treasury Bonds Overview

U.S. Treasury bonds are low-risk, fixed-income securities known for the safety and liquidity they bring to portfolios.

How to Gift 529 Contributions

This educational contribution is a gift that will last a lifetime.

Rule 144: Sale of Restricted or Control Securities

If you want to sell restricted or control securities, you’ll need to be mindful of Rule 144 requirements.

Exchange Funds: One Way to Reduce Concentrated Stock Risk

An exchange fund is an option to lower the risk of a concentrated stock, but there are caveats to keep in mind.

Living Trust: Definition, How Living Trusts Work

Living trusts, often called revocable living trusts, can help you manage your assets during and after your life.

Equity Compensation: Quick-Start Guide to Plans and Benefits

Understanding the details surrounding your equity compensation can help you make the most of your benefits.

Treasury Inflation-Protected Securities: What are TIPS?

Treasury Inflation-Protected Securities, or TIPS, can help you keep up with inflation. They can be purchased through an online broker or the government.

Nonqualified Stock Options and the Tax Impact of NSOs

Nonqualified stock options face less favorable tax treatment than incentive stock options — here's how they differ.

83(b) Election: Why and When to File

You could save on taxes through an 83(b) election, by paying tax on company shares upon granting instead of vesting.

When to Exercise Stock Options

Employee stock options can be lucrative, but knowing when to exercise your options isn't always straightforward.

Incentive Stock Options (ISOs): Everything to Consider

Knowing the ins and outs of your incentive stock options (ISOs) can help you take full advantage of this employee benefit.

Deferred Compensation: Plans and Programs to Know

A nonqualified deferred compensation plan can reduce your taxable income, but there are risks to consider.

Restricted Stock Units: What You Need to Know About RSUs

Are restricted stock units part of your compensation? Here are key details to consider when handling your RSUs.

UTMA & UGMA Accounts: How They Work, How to Set One Up

A UTMA or UGMA custodial account is a flexible investment account that helps minors save and invest.