Equity Compensation

4 Questions to Ask When Your Employee Stock Options Vest

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Employee Stock Options

Employee stock options may be issued as part of an employee compensation package. Companies may offer this type of equity compensation as a way to reward key employees and retain...

Why Your Employee Stock Purchase Plan May Be a Great Deal

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Employee Stock Purchase Plan

Many employers offer an employee stock purchase plan, or ESPP, to allow employees to purchase company stock with ease. As an incentive to participate, many ESPPs allow you to purchase...

What Is Net Unrealized Appreciation?

by Daniel Zajac, CFP®, EA | Last updated Apr 23, 2025 | Wealth Accumulation

If you own company stock inside your 401(k) plan, you may want to know about net unrealized appreciation. Net unrealized appreciation, or NUA, is a financial planning technique that may...

What You Should Know about Employee Stock Purchase Plans (ESPP)

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Employee Stock Purchase Plan

An employee stock purchase plan, or ESPP, is an employee benefit that allows employees to purchase company stock via payroll deductions. If you have an ESPP, you can often purchase...

How to Sell Incentive Stock Options to Accelerate Alternative Minimum Tax Credits

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Incentive Stock Options

If you have incentive stock options, you may be familiar with the alternative minimum tax (AMT), and potentially the alternative minimum tax credit. The alternative minimum tax is a complicating...

The Basics of How Non-Qualified Stock Options are Taxed

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Non Qualified Stock Options

The income tax rules for an exercise of non-qualified stock options are relatively straightforward. You generally do not owe taxes when you are granted non-qualified stock options. You don’t owe...

Comparing the Solo(k) and SEP-IRA for the Self-Employed

by Daniel Zajac, CFP®, EA | Last updated Apr 23, 2025 | Wealth Accumulation

For those who are self-employed, the question of how to save for retirement is a frequent one. Fortunately, the answer may not be that that difficult at all. In fact,...

The Math Behind a Cashless Exercise of Non-Qualified Stock Options

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Non Qualified Stock Options

When the time comes to exercise your non-qualified stock options, you may find yourself asking about the process, the cost, and how it actually happens. This may lead you to...

Exploring the Details of A Cash Exercise of Employee Stock Options

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Employee Stock Options

When it’s time to exercise your employee stock options, you generally have one of two options to consider: you can do either a cash exercise or a cashless exercise. The...

The Basics of Restricted Stock Units – And What You Should Know

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Restricted Stock

Restricted stock units, or RSUs, are often used as part of a compensation package for a key employee. Employers may offer restricted stock units in place of providing cash directly...

6 Strategies to Consider to Exercise Your Employee Stock Options

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Employee Stock Options

The decision to exercise your employee stock options can be a difficult one, regardless of whether you have incentive stock options or non-qualified stock options. You have to consider potential...

5 Steps to Managing Concentrated Equity in Company Stock and Stock Options

by Daniel Zajac, CFP®, EA | Last updated Apr 23, 2025 | Wealth Accumulation

You can develop concentrated equity positions in your investment portfolio when you own or control a single stock that makes up a significant part of your overall allocation. While there...

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