Wealth Accumulation

What You Should Know About Stock Appreciation Rights

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

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...

What You Need to Know About Employee Stock Options

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

Access to employee stock options represents an agreement between you and your employer that allows you to purchase a specified number of shares of the company’s stock at a fixed...

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Incentive Stock Options and The Alternative Minimum Tax

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

If you have incentive stock options, you’ve likely heard the term alternative minimum tax, or AMT. But what is the AMT, and how is it calculated? It’s a type of...

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How a Qualifying Disposition Impacts Your ESPP

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

An employee stock purchase plan (ESPP) may provide you with a convenient way to purchase company stock. Often offered via payroll deduction, you can easily allocate money to the ESPP...

Restricted Stock Units and the Terminology You Should Know

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

Restricted stock units are a great way for companies to add an incentive to employee compensation packages. If you are receiving restricted stock units from your employer, understanding the various...

7 Steps To Handle Employee Stock Options During Market Volatility

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

If you own company stock or employee stock options, it's possible that you have experienced market volatility and have seen firsthand how a quick change in the stock price can...

How to Integrate Employee Stock Options into your Retirement Plan

by Daniel Zajac, CFP®, EA | Last updated Apr 23, 2025 | Retirement Planning

Traditional retirement planning is grounded in the belief that if you save early and save often, you’ll accumulate enough wealth to retire with the lifestyle that you want. Many people...

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10 Things to Know About Non-Qualified Stock Options

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

Non-qualified stock options (NQSOs) are a common compensation feature provided to employees as part of a compensation package. If you have access to these perks, they give you the opportunity...

3 Reasons to Love Restricted Stock and RSUs

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

Restricted stock and restricted stock units (RSUs) are both commonly-used tools to attract and retain employees. While similar in feel, restricted stock, and restricted stock units are technically different instruments,...

4 Ways to Lower the Alternative Minimum Tax when you Exercise Incentive Stock Options

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

When you exercise and hold incentive stock options, it’s very possible that you will be subject to the alternative minimum tax (AMT). This part of the tax code gets complex,...

5 Basics I Wish Everyone Knew About Employee Stock Options

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

There is no easy way around it, employee stock options are complicated. And depending on the type of stock options you have, how many you have, other types of employee...

What You Need to Know About Drawing Down Your Assets in Retirement

by Daniel Zajac, CFP®, EA | Last updated Apr 18, 2025 | Retirement Planning

Retirement planning is often summed up into a single question: How much money do I need to retire? Unfortunately, this question leaves many well-intentioned retirees far short of the actual...

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