Tax errors can be costly! Don't draw unwanted attention from the IRS. Our Tax Center explains and illustrates the tax rules for sales of company stock, W-2s, withholding, estimated taxes, AMT, and more.
Podcast included! Among the many ways to amass the wealth you need to fund the retirement you want, your stock compensation can play a major role. As this article explains, if you combine equity grants with other assets such as a 401(k), retail investment accounts, Social Security, and other savings or benefits, you could find yourself with enough money to fully fund your ideal retirement.
You have been paying Social Security taxes your entire working life. As you near retirement age, there are planning ideas with stock compensation you should know about as you make decisions on Social Security benefits. This article provides core knowledge to inform those decisions.
Podcast included! Many of my clients do not see stock compensation in the bigger picture of retirement savings and withdrawal plans. Considering net worth, age, and company stock plan, I present the client with these core points about stock grants, 401(k) plans, nonqualified deferred compensation, and IRAs.
Podcast included! When you retire, there may be a gap between your retirement date and the qualifying age for retirement-plan distributions and Social Security. To bridge that gap, stock-based compensation can help, but its complexity can be confusing. This article seeks to help you factor in stock compensation when you sequence cash flows to cover living expenses in retirement.
Podcast included! Moving between US states, whether to relocate permanently, travel for business, or retire, can involve tax complications for people who have stock compensation. This article presents the tax issues that you may encounter when you leave your home office and cross a state line.
Emotions can have a powerful impact on financial decisionmaking. The study of behavioral finance, i.e. how people make decisions about investments and other financial matters, can help you to develop a sensible approach to stock compensation and holdings of company stock.
Once you reach your retirement year, the decision landscape and timeframe change. To avoid unpleasant surprises, understand what will happen to your stock grants and other company benefits so that you can develop appropriate strategies.
Tax planning for retirees can be more challenging that it was during their working years. You need to constantly monitor any options and company stock holdings as part of your overall portfolio. Part 3 looks at special issues that can arise after you retire, including Social Security; coordinating with required minimum distributions for IRAs and your 401(k); moving to another state; and the gifting of stock.
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.
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 questions in this FAQ's checklist...
These retirement-eligibility provisions raise tax complications for both restricted stock and RSU grants, though the issues vary. For tax purposes it does not matter that you must actually retire to vest the shares. With restricted stock, taxation is triggered when the grant is...
Retirement is a termination of employment under your stock option plan. Under almost all stock option plans, after you terminate employment the plan specifies...
When you have a performance award and leave the company for a standard reason (e.g. going to work for another company, being laid off) before the end of the performance cycle, you usually lose all rights to receive the grant, even if...
When you start receiving Social Security before you reach the full retirement age, your benefits are reduced by a complicated formula. However, stock options received for services before retirement...
No simple answer exists to the question of whether you should take benefits early, at the age you are considered at "full retirement" as defined by Social Security rules, or at a later date. Two useful...
Tax errors can be costly! Don't draw unwanted attention from the IRS. Our Tax Center explains and illustrates the tax rules for sales of company stock, W-2s, withholding, estimated taxes, AMT, and more.
Retirement
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