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.
Managing 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. See also our companion articles on planning rules for restricted stock, restricted stock units, and employee stock purchase plans.
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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.
The time right after you have filed your tax return is ideal for big-picture financial planning—now more than ever with the changes under the Tax Cuts & Jobs Act. Your 2018 tax return lets you fully understand the impact of the tax changes, and the amount of your total taxes was probably different than what you had projected. This recently updated article series discusses factors to consider in your income and tax projections, along with planning ideas.
The Tax Cuts & Jobs Act has provisions that affect stock compensation, whether in financial planning or in stock plan administration. This article details six with an impact on the taxation of stock compensation or holdings of company shares.
Your tax return can help you develop your tax-planning strategy for stock options, restricted stock/RSUs, and holdings of company stock. Now that you have filed your first tax return after all the changes under the Tax Cuts & Jobs Act, you can make more accurate projections for the year ahead. Consider your future income, taxes, AMT risk, and use of capital-loss carry-forwards. Review the details of your stock plan documents to develop a program for option exercises and restricted stock/RSU vesting.
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