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myStockOptions Updates: Tax Reform, Retirement Planning, Continuing Education, And More (Oct. 11, 2017)
This alert presents some recent noteworthy additions and updates in the award-winning content of myStockOptions. See the full list of additions and updates on the site.
Proposed Trump/GOP Tax Reform: Potential Impact On Equity Compensation
The Trump administration and Republican leaders in Congress recently released an outline of a joint framework for tax reform. Various provisions could influence tax planning for equity comp or the administration of equity plans. For details on the recent tax-reform framework and its potential impact on equity compensation, see an FAQ on myStockOptions.
New Podcast: How To Optimize Equity Compensation For Retirement Planning
You may face a financial gap between your retirement spending needs and what your 401(k) distributions and Social Security can provide. To bridge that gap, equity compensation can help. Expanding our library of engaging podcasts, we recently published a new audio interview with financial advisor Chuck Steege (SFG Wealth Planning Services), who discusses how you factor in equity comp when you sequence cash flows to cover living expenses in retirement. The interview goes with a new article by Mr. Steege on this topic in the retirement section at myStockOptions.
myStockOptions Learning Center Expands Valuable CE Offerings For Financial Advisors
Our editorial team has expanded the offerings for continuing professional education in the myStockOptions Learning Center. In addition to continuing education (CE) credits for Certified Financial Planners (CFPs) and Certified Equity Professionals (CEPs), the Learning Center now also offers CE credits for Certified Private Wealth Advisors (CPWAs) and Certified Investment Management Analysts (CIMAs), whose certifications are designated by the Investment Management Consultants Association (IMCA). The programs in the myStockOptions Learning Center now offer:
The continuing education programs in the Learning Center consist of six separate courses and exams. They are engaging online self-study programs that you can take at your convenience. Each course features podcasts, articles, FAQs, and videos from myStockOptions. They are woven into a dynamic, interactive learning tool that teaches the topics in a memorable way.
T+2 Is Here: What It Means For Equity Compensation
A big shift in the rules for share transactions quietly began in September. With effect from September 5, 2017, the settlement period for securities trades was shortened from three (T+3) to two (T+2) business days after the date of the transaction. This move to T+2 affects equity plan transactions that involve open-market sales, such as same-day sales and sell-to-covers. In a cashless exercise of options or in a share sale at restricted stock/RSU vesting or after ESPP purchase, the cash will now show up in your brokerage account sooner, within two days after the execution date. Additionally, to settle by T+2, the broker must, sooner than previously, receive the shares and know the funds to send the company to cover the exercise cost and/or the tax withholding. Companies may also now need to give withheld taxes to the IRS sooner after NQSO exercise and restricted stock vesting.