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FEATURED ARTICLE

Top Ideas For Year-End Planning With Stock Compensation (Part 1)

By The myStockOptions.com Editorial Team & Contributors

The end of the year presents opportunities for financial and tax planning. This article provides an engaging introduction to the key concepts of year-end planning for stock options, restricted stock/RSUs, and holdings of company shares. Among other issues, year-end planning should weigh current tax rates against the prospects for tax changes in the year ahead.

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Podcasts

Why Restricted Stock And RSUs Are A Good Deal 11:37

Compensation expert Richard Friedman explains why restricted stock and restricted stock units are valuable equity awards.

The Great Drawdown: How To Optimize Stock-Based Compensation For Retirement Planning 16:08

In this interview, financial advisor Chuck Steege explains how you factor in stock compensation when you sequence cash flows to cover living expenses in retirement.

Stockbrokers' Secrets: Retirement Planning With Stock Compensation 10:39

In this interview, CFP John Barringer discusses planning approaches to stock compensation that can help you build a financially secure nest egg for retirement.
Show More

Stock Option Terms: What You Can Expect 9:43

Get a sense of what you should, and should not, expect in the terms of your stock option grant. In this interview, compensation expert Richard Friedman (Ayco Company) discusses trends in vesting schedules, post-termination exercise rules, and other plan features. The interview is a companion to Mr. Friedman's article on this topic, which includes findings from Ayco's extensive survey of features in stock option plans.

When To Wait, Hold, Or Sell: A Wealth Manager Reveals His Wisdom On Stock Option Exercise Strategy 13:11

When stock options or restricted stock/RSUs vest, you need a strategy to make the most of their wealth-building potential. In this interview, wealth manager Tim Kochis explains that no single strategy for timing option exercises or restricted stock/RSU sales fits everyone, and he discusses his approach to this idiosyncratic type of planning. The interview is a companion to Mr. Kochis's article series on this topic.

How To Avoid Mistakes And Create Wealth With Your Stock Options 9:24

In this interview, CFP Paul Palazzo discusses the most common financial-planning errors he sees that involve stock options-and how to avoid those pitfalls.

Divorce: What Happens To My Stock Grants? 20:05

When you and your spouse decide to split, your stock grants will probably be divided too. In this interview, divorce attorney Linda Olup explains the treatment of vested and unvested stock grants in divorce, the approaches to valuation used by courts, the division of options in the property settlement, and the way courts regard stock grants as income for consideration in child support and alimony. The interview is a companion to Ms. Olup's article series on this topic.

Employment Issues With Stock Compensation And Key Stock Plan Documents To Understand 13:16

Attorney Alisa Baker discusses employment, negotiation, and job-termination issues with equity compensation, at both public and private companies, and warns about common mistakes to avoid.

Restricted Stock Units After An Acquisition: Know What Could Happen 13:36

When a company is merging or being acquired, its employees wonder what will happen to their unvested RSUs. In this interview, wealth advisor Kristin McFarland explains the potential outcomes for holders of unvested RSUs and current equity holders in an M&A deal. The interview is a companion to Ms. McFarland's article on this topic.

Compliance Concerns That Executives Must Understand To Prevent SEC, IRS, And Corporate Problems 10:12

An often underestimated danger companies face is the risk that an executive or employee may violate corporate, tax, or securities laws. In this interview, compensation expert Richard Friedman (Ayco Company) outlines practices for executives to help them avoid compliance problems, and explains the possible penalties of noncompliance. The interview is a companion to Mr. Friedman's article series on this topic.

Your Company Stock: The Importance Of Diversification 8:33

In this interview, CFP Laura Tanner explains the importance of investment diversification for employees with company stock.

Financial Planning For Stock Compensation 10:08

In this interview, CFP Alan Ungar gives guidance on option exercise strategies and about planning for shares acquired from restricted stock/RSU vesting.

How To Maximize The Value Of Stock Compensation While Minimizing Risk 11:08

For some employees, the value of their equity compensation represents their largest investment. Financial advisor William Baldwin explains his approaches to minimizing risk while trying to optimize the value of stock compensation.

A Holistic Approach To Equity Compensation, And Special Dilemmas Faced By Executives 10:35

CFP Geoffrey Zimmerman explains why it is important to view equity awards in the big financial picture of your life. He also comments on the special dilemmas faced by senior executives with stock compensation.

Stock Option Strategy To Diversify Away Your Company Stock Risk 8:26

In this interview, CFP Robert Pyle makes the case for diversifying at least some of your holdings in stock compensation and your company's shares to reduce your investment risk.

Living And Working In Multiple States: Challenges For Mobile Employees In The USA 11:03

Moving between US states, whether to relocate permanently or simply to travel for business, can involve tax complications for people who have stock compensation. In this interview, Deloitte consultant David Johnson presents the issues that you may encounter when you leave your home office and cross a state line.

Taking An Overseas Assignment: Stock Compensation For Internationally Mobile Employees 16:07

For internationally mobile employees, the tax treatment of equity compensation can be extremely complex. In this interview, Deloitte consultant Mark Miller explains the issues that employees should consider when they are preparing to take a job assignment in a foreign country.

How Pre-IPO Stock Compensation May Change Upon The Company's IPO 10:30

As privately held companies prepare for their market debuts, they make changes in equity compensation programs. Compensation consultant Ryan Harvey explains some of the shifts you can expect in your stock grants both during the period leading up to your IPO and after your company goes public.

Hedging Employee Stock Options And Company Stock 11:15

Financial advisor Robert Gordon explains some of the advanced techniques that can be used to hedge employee stock options or concentrated holdings in company stock and reduce investment risk.

College Funding With Stock Compensation 11:16

An interview with advisor Troy Onink, who talks about using equity awards to pay for higher education.

LLCs And Equity Incentive Plans 12:41

In this interview, attorney Daniel Janich discusses the types of equity plans that are available to limited liability companies (LLCs), the considerations involved in establishing an equity comp program at an LLC, and the related tax treatment.

Tax-Law Changes: Impacts On Stock Option And Restricted Stock Strategies 9:40

CFP Alan Ungar explains the ways in which recent tax-rate increases can affect decisions about when to exercise stock options, when to sell company shares, and how to plan for income from restricted stock/RSU vesting.
"Your content offers information not easily found in any of the conventional resources. Lots of practical advice and timely planning ideas in an easy-to-use format."
Kevin King
SBK Financial