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Financial Planning: Strategies


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Restricted Stock: Tax, Financial, Estate, And Retirement Planning (Part 1) This is premium content

Richard Friedman
Podcast included! Understand financial planning for restricted stock and RSUs. Part 1 discusses the growing popularity of these grants, their special features, and the related tax planning.

Ten Financial-Planning Rules Everyone With Stock Options Needs To Know

Michael Beriss
Managing your stock options is one of the most complex financial challenges you will face. These 10 rules will help you get the most out of them.

Stockbrokers' Secrets: Strategy For Volatile Markets

W.E.B. Bantling
Market volatility and declines rattle even the most experienced holders of stock compensation (and their advisors). Here are 10 topics I find myself discussing over and over again with my best clients.

Employee Stock Purchase Plans & Your Financial Planning (Part 2) This is premium content

Bruce Brumberg
Employee stock purchase plans (ESPPs) are changing in many ways, largely in response to accounting rules. For Part 2, myStockOptions.com asked financial and wealth advisors what they are recommending to clients about ESPP participation.

Stockbrokers' Secrets: Restricted Stock And Performance Shares This is premium content

W.E.B. Bantling
Many companies have turned away from stock options and begun to make outright stock grants that must vest before the shares can be issued. For employees, these grants have added a new layer of complexity to their equity compensation. This article presents six questions I get all the time from clients who have received restricted stock, restricted stock units, or performance shares.

Strategic Planning With Roth IRAs And Stock Compensation (Part 1) This is premium content

Sue Stevens
Could the Roth IRA be your greatest opportunity for accumulating tax-free growth? Well, as with most strategic-planning issues, it all depends. Part 1 of this two-part article series looks at the rules and factors to consider in a Roth IRA conversion.

A Holistic Approach To Managing Equity Compensation This is premium content

Geoffrey M. Zimmerman
Planning for equity compensation begins with identifying the role stock grants will play in your life, whether for retirement, college funding, or other goals. This article offers points to consider for three different types of investors.

Preventing Irrational Decisions About Selling Company Stock Or Exercising Options

Bruce Brumberg
Whether you are a novice or advanced investor, it can be hard to decide what to do with your company's stock grants. Should you exercise options now or wait? Should you hold company stock at vesting or sell it and reinvest? The study of behavioral economics and investor psychology offers insights that can help.

Stockbrokers' Secrets: Stock Option Strategy (Part 1)

W.E.B. Bantling
My clients want to exercise options shortly after they vest for a significant purchase, like a fancy boat or a sports car. The most expensive boat or car I can imagine is the one bought with your just-vested options. Tips I tell clients include not exercising too soon or waiting too long.

Stockbrokers' Secrets: Stock Option Strategy (Part 2) This is premium content

W.E.B. Bantling
I see too many smart people who have substantial gains in their stock options do dumb things, as I explained in my first article. Here are more of the rules I try to teach my clients, which can act as a guide for you, too.

Retirement Planning With Stock Options, Restricted Stock, And Other Stock Compensation (Part 1: Pre-Retirement Planning)

Carol Cantrell
Stock compensation is important for retirement planning. Understand the issues and explore strategies, whether you are planning for retirement, are nearing retirement, or have retired already.

A Financial Advisor's View Of Your Stock Plans This is premium content

William Baldwin
Rather than providing you with a guarantee, today's benefit plans offer only an opportunity to attain financial security. The decisions you must make will turn some of you into financial winners.

Getting The Most From Your Stock Options This is premium content

William Baldwin
Stock options are a major element of your long-term incentive compensation, offering tremendous potential to accumulate personal wealth. Given your stock options' complexity, it’s essential to develop a strategy to realize their full potential.

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I have various stock option grants with vested options. Do I need to exercise first my oldest grants or my oldest vested options?

There's no requirement for which vested options you must exercise first. The decision of which options to exercise first is part of your...

I have vested stock options. What should I do: exercise and hold, exercise and immediately sell, or wait to exercise? This is premium content

This is a difficult question that only you can really answer, as your exercise timing depends on a number of personal factors unique to you...

I have more than one stock option grant, and they are at different exercise prices. Which one should I exercise first? This is premium content

Most option plans do not prescribe the order of option exercises, which is usually up to you...

I have both in-the-money and underwater options. If I exercise them all and immediately sell the stock, can I offset the gains with the losses on the underwater options? This is premium content

This is wishful thinking, because these are two separate transactions. It does not make sense to...

Are there financial-planning strategies for NQSOs? This is premium content

As other FAQs and articles in this section explain, there is no universal plan for everybody. With that said, we present some general advice from experts...

My company's stock price recently fell dramatically, but I expect it to rise again soon. Are there any NQSO strategies (or mistakes to avoid) in a market upturn? This is premium content

When the stock market rebounds after a fall, one of the most common mistakes among optionholders is exercising too early to grab quick profits...

I plan to exercise options for stock that pays dividends. Are there any exercise strategies or at least mistakes to avoid? This is premium content

To receive a dividend you must own a stock on the record date, so you want to be aware of the ex-dividend date. Also consider...

To seek financial aid for my children's college tuition, I need to report my income and assets to the US Department of Education on the Free Application for Federal Student Aid (FAFSA). Should I list my stock grants? At what value? This is premium content

As long as the student is considered a dependent of the parent for financial-aid purposes, the parent does have to report stock options on line...

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