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Ten Financial-Planning Rules You Should Know About Restricted Stock And RSUsThis is premium content Editorial Team
While grants of restricted stock and RSUs are conceptually simple, financial planning for them can be complex. This article presents the essential financial-planning points that you should consider before your restricted stock or RSU grant vests.

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

Michael Beriss
Managing stock options is one of the most complex financial-planning challenges an employee may face. These 10 guidelines will help you get the most out of your option grants.

Ten Financial-Planning Rules Every ESPP Participant Should KnowThis is premium content Editorial Team
Employee stock purchase plans (ESPPs) are a super deal. However, the related taxation and financial planning can be deceptively complex. This article presents the essential points that you should understand before you participate in your company's ESPP.

How To Avoid Mistakes And Create Wealth With Your Stock OptionsThis is premium content

Paul Palazzo, CFP®
Podcast included! Stock options can be very lucrative if handled properly, but there are situations in which people can easily make mistakes. In this article I discuss the most common mistakes I see.

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.

A Holistic Approach To Managing Equity CompensationThis is premium content

Geoffrey M. Zimmerman
Podcast included! 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.

Stockbrokers' Secrets: Equity Compensation Strategies For Volatile Markets

John P. Barringer
Market volatility and declines rattle even the most experienced holders of stock compensation (and their advisors). This article presents topics I find myself discussing over and over again with my best clients.

Employee Stock Purchase Plans And 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, asked financial and wealth advisors what they are recommending to clients about ESPP participation.

Stockbrokers' Secrets: Restricted Stock And Performance SharesThis is premium content

John P. Barringer
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.

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? Behavioral economics and investor psychology offer insights that can help you develop a personally acceptable approach.

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

William Baldwin
Podcast included! 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 OptionsThis is premium content

William Baldwin
Podcast included! 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.

Stockbrokers' Secrets: Stock Option Strategy (Part 1)

John P. Barringer
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

John P. Barringer
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 And RSUs (Part 1: Pre-Retirement)

Carol Cantrell
Stock compensation can help you save for retirement. Understand the issues and explore strategies that can help your retirement funding.

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My restricted stock will vest soon. Should I sell the shares at vesting or hold them?

When restricted stock, restricted stock units, or performance shares vest, whether you sell or hold the shares depends on various factors. Some of them are under your control...

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...

What are the 10 most important financial-planning rules for employee stock purchase plans?

Before you participate in your company's employee stock purchase plan (ESPP), understand the following essential points for financial planning with ESPPs...

NEW! What are the top 10 questions related to retirement planning that I should ask about my stock options, restricted stock/RSUs, or ESPP participation?

Retirement savings can be significantly boosted by equity compensation. When factoring stock options, restricted stock/RSUs, or ESPPs into your retirement planning, you should know the answers to the following questions...

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...

UPDATES! 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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