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The Great Drawdown: Retirement Planning & Equity Comp (July 18, 2017)

This alert presents some recent noteworthy additions and updates in the award-winning content of myStockOptions. Click here to see the full list of additions and updates.


The Great Drawdown: How To Optimize Stock-Based Compensation For Retirement Planning
You may face a financial gap between your retirement date and the qualifying age for 401(k) distributions and Social Security. To bridge that gap, equity compensation can help, but its complexity is confusing. With a new article in the retirement section at myStockOptions, financial advisor Chuck Steege of SFG Wealth Planning Services seeks to help you factor in equity comp when you sequence cash flows to cover living expenses in retirement.


The Top Ten Questions To Ask Before Making A Financial Plan With Stock Comp
To make the most of equity compensation, you need a financial plan that considers your goals for the income, identifies decisions you must make with your grants and acquired shares, and factors in the related tax consequences. One helpful way to start is to answer the practical 10 questions in our new FAQ about the crucial core topics for financial planning with equity comp. They include:

  • What is your vesting period?
  • How do you see the future of your company's stock and your job?
  • How likely are you to receive additional equity awards?
  • What are your goals for the income that you will receive from your equity compensation?

For the whole set of questions, see the full FAQ. If you need help, seek the advice of a qualified financial planner in AdvisorFind, our directory of advisors with experience in equity comp.


Podcast: What Happens To Equity Awards In Divorce?
Expanding our library of engaging podcasts, we recently published a new audio interview with Linda Olup, the highly respected divorce attorney who authored our three-part article series on divorce and stock options. In her podcast interview, Ms. 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. All of our podcasts are available at myStockOptions, on iTunes, and at Google Play Music.


The Proposed GOP/Trump Tax Cuts: Good Or Bad For Pretax Compensation Deferral?
Our editorial team has also been active at our other website, myNQDC, a leading resource of educational content and tools on nonqualified deferred compensation (NQDC). In Washington DC, the Trump administration’s recent tax-cut proposal, along with activity in Congress, has complicated the decision of whether to participate in your company’s NQDC plan. However, while it appears counterintuitive, lower tax rates can actually make income deferral more attractive (including deferral through equity compensation). In a new article at myNQDC, compensation consultant David Hauptman of Pinnacle Financial Group provides a insightful perspective on how to decide whether or not to defer pretax compensation.


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