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Financial Planning
As frequently featured at Forbes.com and by Plansponsor, our Financial Planning section explores approaches to making the most of stock grant gains while minimizing taxes. The coverage includes the role of stock grants in gifts, estates and trusts, dividends, hedging, and more.
Podcast included! 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.
Podcast included! 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.
Podcast included! If you've been granted stock options, congratulations. But now what? Maximizing the value of stock options is one of the most complex financial-planning challenges you may face. The 10 guidelines in this article will help you get the most out of your option grants: setting goals, stock option valuation, exercise timing, job-loss considerations, understanding the taxation, and much more. An interactive companion quiz lets you test yourself on what you've learned.
A grant of restricted stock or restricted stock units (RSUs) is a reason to celebrate. But after your victory lap around the office comes the tricky part: financial and tax planning. In this article, three financial advisors with expertise in this area provide insights.
The US tax code provides a few perfectly legal ways, depending on your income, financial goals, and even life expectancy, to defer or pay no capital gains tax, maximizing the benefits of your grants and letting you put away more toward your financial goals.
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.
This is simply a selection of the many articles in this section. Use the navigation to the left to explore all of the categories in this section.
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. Start by knowing the answers to the questions in this FAQ's checklist...
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...
Before you participate in your company's employee stock purchase plan (ESPP), understand the following essential points for financial planning with ESPPs...
There is no universal planning strategy for nonqualified stock options (NQSOs). It is important for your option strategy to be tailored to your personal goals. With that said, we present some general advice from experts...
A concentrated stock position occurs when a significant chunk of your net worth is tied up in a single stock. Strategies for hedging, diversification, and liquidity include...
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...
Diversification is a sound practice in building and preserving personal wealth. If, along with stock options, you also own your company stock outright, settle on a comfortable ownership percentage...
While you should seek advice about your situation from an experienced financial and tax advisor, strategies include the approaches discussed here and conveniently summarized in two tables...
This is simply a selection of the many FAQs in this section. Use the navigation to the left to explore all of the categories in this section.
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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.
Want to learn more about financial planning for equity compensation? Visit our podcasts page for interviews with some of our expert contributing authors.
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