FAQ

Can I choose which shares to sell in a tender offer?

by Zajac Group | Mar 12, 2026 | FAQ

You can often select specific "lots" (groups of shares) to sell. To maximize tax efficiency, you may want to prioritize shares that meet the requirements for long-term capital gains or...

Is the AMT credit a dollar-for-dollar refund?

by Zajac Group | Feb 18, 2026 | FAQ

It is a non-refundable credit that reduces your tax liability. It can reduce your tax bill down to the level of your Tentative Minimum Tax (TMT), but it won't trigger...

Does selling other stocks (like Apple or Amazon) affect my AMT credit?

by Zajac Group | Feb 18, 2026 | FAQ

Yes, they may. Because the AMT credit is tied to capital gain and loss calculations for your entire tax return, not just ISOs, capital gains or losses from your brokerage...

Can I get an AMT credit back if I sell my shares in a disqualifying disposition?

by Zajac Group | Feb 18, 2026 | FAQ

Indirectly, yes. A disqualified sale of ISOs increases taxable income and could have an impact on how much AMT credit is returned in a given year, particularly in higher income...

Do I lose my AMT credit if I don’t use it immediately?

by Zajac Group | Last updated Feb 18, 2026 | FAQ

No. AMT credits carry forward indefinitely during your lifetime. However, they do not adjust for inflation, so the "purchasing power" of that credit decreases the longer it sits with the...

What Happens to Your Employee Stock Options When You Leave Your Company?

by Daniel Zajac, CFP®, EA | Last updated Feb 18, 2026 | FAQ

It’s important to know what happens to your employee stock options upon terminating your relationship with your employer. The answer to what happens can get complicated. Depending on why your...

How Might Incentive Stock Options Impact My Alternative Minimum Tax?

by Daniel Zajac, CFP®, EA | Last updated May 13, 2025 | FAQ

The most common scenario that impacts the AMT is an exercise and hold of ISOs. If you hold the shares past calendar year end, the bargain element (or the difference...

What are Stock Appreciation Rights?

by Daniel Zajac, CFP®, EA | Last updated May 13, 2025 | FAQ

A stock appreciation right, or SAR, is a compensation tool that employers can use to attract and retain key employees. Like non-qualified stock options and incentive stock options, stock appreciation...

How does a Stock Appreciation Right work?

by Daniel Zajac, CFP®, EA | Last updated May 13, 2025 | FAQ

Stock appreciation rights look and act very similar to non-qualified stock options. They are granted as part of a compensation package and upon receipt, they’re issued with key dates and...

Should I hold Restricted Stock Units (RSUs) that are about to vest, or have recently vested?

by Daniel Zajac, CFP®, EA | Last updated May 13, 2025 | FAQ

A common consensus is to sell stock that is delivered from vested RSUs as soon as possible, as they are taxed identical to other income like your wage or bonus....

How do I decide when to exercise my NQSOs?

by Daniel Zajac, CFP®, EA | Last updated May 13, 2025 | FAQ

The first determinant is whether the stock’s fair market value exceeds your strike price. If it doesn’t, there’s generally no point in exercising vested options; if you wanted to purchase...

Is there any downside to keeping all my options or stock shares for as long as possible, hoping to score more profit if the share price keeps going up?

by Daniel Zajac, CFP®, EA | Last updated May 13, 2025 | FAQ

Yes, holding too many options or shares (as a percentage of your total wealth) can expose you to concentration risk. Having too much of your money is a single stock...

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