Insights

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

How Might Behavioral Finance Impact Your Equity Compensation?

by Daniel Zajac, CFP®, EA | Last updated May 19, 2025 | Wealth Accumulation

When you think of “equity compensation,” you might think about incentive stock options, non-qualified stock options, and restricted stock units. If you dig even deeper, you may also think about...

Tender Offers and Your Equity Comp: What to Consider if Your Private Company Presents a Liquidity Event

by Daniel Zajac, CFP®, EA | Last updated May 26, 2025 | Equity Compensation

A tender offer creates a short-term liquidity event for private employees, who otherwise may not have much choice or control over selling their company stock (since it’s not traded publicly...

Incorporating Equity Compensation into a Multi-Generational Wealth Transfer Plan

by Daniel Zajac, CFP®, EA | Last updated May 19, 2025 | Equity Compensation

Let’s take a look at how taxes play a role in the most common wealth transfer strategies, as well as what steps you can take now to incorporate your equity...

Navigating Tax Time: Tips for Filing Your K-1 Form

by Daniel Zajac, CFP®, EA | Last updated May 19, 2025 | Wealth Accumulation

For most people, tax time can be a headache—though for earners with traditional compensation packages, it can at least be fairly predictable (W-2 wages, withheld taxes, 401(k) contribution deductions, etc.)....

How Your Income May Influence a Qualified Sale of Incentive Stock Options (ISOs)

by Daniel Zajac, CFP®, EA | Last updated May 27, 2025 | Incentive Stock Options

Incentive stock options (ISOs) are known far and wide for their preferential tax treatment on the total recognized gain—as long as you meet the holding period requirements for a qualified...

The Basics of Equity Compensation

by Daniel Zajac, CFP®, EA | Last updated Jul 21, 2025 | Equity Compensation

If your employer provides equity compensation as a part of its benefits package, you can expect to receive a wealth of information about the program. If you’re new to the...

When Intentionally Disqualifying ISOs at Year End May Make Sense

by Daniel Zajac, CFP®, EA | Last updated May 27, 2025 | Incentive Stock Options

Deciding when to exercise, hold, and sell your incentive stock options (ISOs) is complicated, requiring you to manage several simultaneous financial variables, all at the same time. These include: Prices:...

Rethinking Whether to Exercise and Hold Non-Qualified Stock Options for Long-Term Capital Gains Tax

by Daniel Zajac, CFP®, EA | Last updated Aug 1, 2025 | Non Qualified Stock Options

When it comes to evaluating strategies to exercise your Non-Qualified Stock Options (NQSOs), what is your best plan of attack? Do you: Exercise and sell all your NQSOs immediately, cashing...

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Concentration Risk and Your Equity Compensation: Reasons and Rebuttals

by Daniel Zajac, CFP®, EA | Last updated May 27, 2025 | Considerations When You Have Significant Equity Compensation, Equity Compensation, Wealth Accumulation

Concentration risk is an issue of interest to nearly every employee, executive, business owner, or anyone else holding company stock and employee stock options. What is concentration risk? It’s loosely...

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What Executives Need to Know About Performance Awards

by Daniel Zajac, CFP®, EA | Last updated May 27, 2025 | Considerations When You Have Significant Equity Compensation, Equity Compensation, Wealth Accumulation

A performance award is a grant of company stock or stock units, typically tied to a pre-determined metric or goal that is specific to the recipient or award itself. More...

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The 10b5-1 Plan: 8 Frequently Asked Questions and Recent Updates

by Daniel Zajac, CFP®, EA | Last updated May 19, 2025 | Considerations When You Have Significant Equity Compensation, Equity Compensation

If you’re an executive or an employee with significant equity in your company from employee stock options, restricted stock units, or other stock grants, you may have a continual need...

A Quick Take on the Tax Treatment of Incentive Stock Options

by Daniel Zajac, CFP®, EA | Last updated Jul 24, 2025 | Considerations When You Have Significant Equity Compensation, Incentive Stock Options, Strategies for Maximizing Equity Compensation

If your employer has granted you incentive stock options (ISOs), you’ve likely spent time researching the tax treatment. If so, you’ve probably read about the alternative minimum tax (AMT), and...

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