Insights

We write about employee stock options, equity compensation, and financial planning in a way that is easy to understand.

What to Do With Your RSU Shares, Assuming You Didn’t Sell at Vest

by Zajac Group | Last updated Apr 1, 2026 | Restricted Stock

Restricted Stock Units (RSUs) are one of the most common forms of equity compensation, and they are widely covered. However, most of this attention gets paid to vesting, how taxes...

Managing various types of equity compensation

When You Have RSUs, ISOs, NQSOs, and an ESPP: How to Coordinate Equity Compensation

by Daniel Zajac, CFP®, EA | Feb 2, 2026 | Wealth Accumulation

As your career progresses, it’s not uncommon to accumulate multiple types of equity compensation—especially as you move into senior leadership and accumulate grants over time. Each form of equity compensation...

AMT Credit for Incentive Stock Options: Timing, Traps, and Strategy

by Daniel Zajac, CFP®, EA | Last updated Jan 31, 2026 | Alternative Minimum Tax, Incentive Stock Options

If you have incentive stock options (ISOs), you’ve likely been introduced to AMT. AMT is a tax due that may be due on the bargain element of your incentive stock...

Private Company ISOs: Early Exercise, AMT, QSBS, and IPO Strategy

by Daniel Zajac, CFP®, EA | Last updated Feb 1, 2026 | Pre-IPO / Private Stock

Equity compensation can be one of the most powerful wealth-building tools for early-stage employees and executives of private companies. Unlike public company stock, private equity compensation exists in an illiquid...

How After-Tax 401(k) Contributions + In-Plan Roth Conversions Can Multiply Your Retirement Savings

by Daniel Zajac, CFP®, EA | Last updated Feb 1, 2026 | Retirement Planning

Most companies and corporations incentivize employees to save for retirement. More often than not, they’ll do this through a 401(k) plan. When you first onboarded with your company, you were...

What Happens to Your Equity Compensation if Your Company Is Acquired?

by Daniel Zajac, CFP®, EA | Last updated Feb 1, 2026 | Equity Compensation

Beyond leadership changes and culture shifts, one of the biggest questions you might face during a company acquisition announcement is: What will happen to my equity compensation? An acquisition has...

One Big Beautiful Bill Act: Here’s How Your Taxes Could Be Impacted

by Daniel Zajac, CFP®, EA | Last updated Aug 6, 2025 | Blog

Passing in early July 2025, the One Big Beautiful Bill Act (OBBBA) implements sweeping changes to the current tax landscape, as well as federal funding, clean energy initiative rollbacks, and...

How Moving Across State Lines Could Impact Your Tax Bill (Especially if You Receive Equity Compensation)

by Daniel Zajac, CFP®, EA | Last updated Mar 25, 2026 | Equity Compensation

For one reason or another, you may find yourself packing up and moving to another state while still working for your employer. Perhaps you’re given the opportunity to work remotely,...

ISOs 101: Understanding Incentive Stock Options

by Daniel Zajac, CFP®, EA | Last updated Feb 2, 2026 | Incentive Stock Options

If you’re offered incentive stock options (ISOs) as part of your compensation package, you have an exciting opportunity ahead to build significant wealth. The key is to know what, exactly,...

What to Know About Your Post-Termination Exercise Window for Equity Compensation

by Daniel Zajac, CFP®, EA | Last updated Mar 24, 2026 | Employee Stock Options

Equity compensation is an effective tool for attracting and retaining highly qualified employees. But if you’re like most Americans, it’s unlikely you’ll remain with your current employer all the way...

What Is A Charitable Remainder Trust?

by Daniel Zajac, CFP®, EA | Last updated May 26, 2025 | Wealth Accumulation

For executives and entrepreneurs holding highly appreciated assets, the need for diversification becomes increasingly important. Selling stock outright, however, can incur a sizable tax bill—making it difficult to balance concentration...

RSUs 101: An Introduction to Restricted Stock Units

by Daniel Zajac, CFP®, EA | Last updated May 26, 2025 | Restricted Stock

If your employer offers restricted stock units (RSUs) as a form of equity compensation, you likely have questions about managing it effectively alongside the other pieces of your financial picture....

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