W.E.B. Bantling
NEW! Many of my clients use stock compensation to boost retirement savings and lifestyles. Yet I find many do not see it in the bigger picture of retirement savings and withdrawal plans. Considering net worth, age, and company stock plan, I present the client with eight core points about both their stock grants and their 401(k) plans.
Carol Cantrell
Your stock options and restricted stock are important for your retirement planning. Understand the related issues and explore strategies, whether you are planning for retirement now, are nearing retirement, or have retired already.
Carol Cantrell
Once you reach your retirement year, the decision landscape and timeframe change. To avoid unpleasant surprises, understand what will happen to your stock grants and other company benefits so that you can develop appropriate strategies.
Carol Cantrell
Tax planning for retirees can be more challenging that it was during their working years. You need to constantly monitor any options and company stock holdings as part of your overall portfolio. Part 3 looks at special issues that can arise after you retire, including Social Security; coordinating with required minimum distributions for IRAs and your 401(k); moving to another state; and the gifting of stock.
Eric Rasmussen
Financial Advisor
The five years before and after retirement are the "critical zone" for financial planning, including that related to your stock options.
Kathryn Garnett
Journal of Accountancy
As you approach retirement, you'll need to make decisions about Social Security, so you'll also need to understand your choices. While this article is not specific to stock compensation, it may help you think through the choices and decide when to start taking benefits. The article also introduces the taxation of benefits.
Susan Scherreik
BusinessWeek
Stock options can provide a cushy retirement. The key is understanding tricky issues so that you can cash in your options while they still have value.
Martine Costello
CNN Money
Don't rely too heavily on the potential for stock option riches as part of your long-term retirement plan. This article gives some timeless warnings about the need to diversify and the dangers of getting too greedy.
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Most likely, retirement will cause your company to do neither. Retirement is a type of termination of employment under your stock plan. Only a small minority of companies either let the stock options continue to...
Early retirement may be treated less favorably. According to a survey by the National Association of Stock Plan Professionals...
Usually, you will have time after you leave the company to exercise your options. However, some companies...
Retirement is a termination of employment under your stock option plan. Under almost all stock option plans, after you terminate employment the plan specifies...
The standard rule is that options are exercisable until the end of either their term or a post-termination period your plan gives you, whichever...
Though the overall exercise procedure probably will not change...
The outcome depends on the laws and tax policies of the state you worked in. States are not restrained...
Most companies base withholding on your employment status at the time of grant, even if...
Uncertainty, and even inconsistency, surrounds this situation. For tax purposes it does not matter that you must actually retire to vest the shares. With restricted stock, taxation is triggered when the grant is...
When you start receiving Social Security before you reach the full retirement age, your benefits are reduced by a complicated formula. However, stock options received for services before retirement...
No simple answer exists to the question of whether you should take benefits early, at the age you are considered at "full retirement" as defined by Social Security rules, or at a later date. Two useful...
You pay Social Security and Medicare taxes on all wage and self-employment earnings, regardless of...
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