Insights

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

7 Things to Know About Your Employee Stock Purchase Plan

by Daniel Zajac, CFP®, EA | Last updated May 19, 2025 | Employee Stock Purchase Plan

An employee stock purchase plan is a compensation tool that may allow you to purchase shares of company stock through convenient payroll deductions. Employee stock purchase plans, or ESPPs, allow...

How to Use the Alternative Minimum Tax Credit Effectively in Retirement

by Daniel Zajac, CFP®, EA | Last updated Jul 30, 2025 | Incentive Stock Options

If you have incentive stock options, you’ve likely heard of — and perhaps already paid — the alternative minimum tax. This is the tax due in the years you exercise...

5 Reasons Why You Might Want a Disqualifying Disposition for Your Incentive Stock Options

by Daniel Zajac, CFP®, EA | Last updated Jul 30, 2025 | Incentive Stock Options

Even though you may pay a higher tax rate by selling your incentive stock options as a disqualifying disposition, you may not want to completely discount the benefits of an...

How to Create a Liquidation Plan for Your Restricted Stock Units

by Daniel Zajac, CFP®, EA | Last updated Aug 22, 2025 | Restricted Stock

Restricted stock units are commonly used as a compensation tool by employers who want to reward and retain key employees. If you’re on the receiving end of restricted stock units,...

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

by Daniel Zajac, CFP®, EA | Last updated Jul 7, 2025 | Employee Stock Options

Even if you don’t have plans to leave anytime soon, it’s not unreasonable to consider what happens to your employee stock options when you no longer work for your current...

How Do You Pay the Exercise Cost When You Exercise Your Employee Stock Options?

by Daniel Zajac, CFP®, EA | Last updated Jul 7, 2025 | Employee Stock Options

If you have employee stock options, you’ve likely spent time considering how and when to turn the value of those options into cash proceeds you can actually use. To turn...

How to Use a Stock Swap to Exercise Your Employee Stock Options

by Daniel Zajac, CFP®, EA | Last updated Jul 7, 2025 | Employee Stock Options

A stock swap can be a great strategy to use if you have employee stock options you’d like to exercise and hold. It allows you to use the fair market...

How Leverage May Impact the Value of Your Employee Stock Options

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

If you are on the receiving end of employee stock options, you might want to understand the concept of leverage, as it may have a meaningful impact on the future...

Why Waiting to Exercise Your Incentive Stock Options May Increase The Alternative Minimum Tax

by Daniel Zajac, CFP®, EA | Last updated Jul 7, 2025 | Alternative Minimum Tax, Incentive Stock Options

Incentive stock options are unique in that the longer you wait to exercise, the costlier it may be to exercise and hold your shares. That’s not because exercising the incentive...

6 Steps for Handling Employee Stock Options as a Conservative Investor

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

If you done any research on equity compensation and employee stock options, you’ve likely come across terms and phrases like “concentration risk” and “too many eggs in one basket.” You...

Should You Exercise and Sell All Your Employee Stock Options Right Now?

by Daniel Zajac, CFP®, EA | Last updated Jul 8, 2025 | Employee Stock Options

If you have employee stock options, you’ve probably spent time considering the absolute best time to exercise those options — and from there, whether you should sell or hold your...

How and Why to Exercise Your Incentive Stock Options Early in the Calendar Year

by Daniel Zajac, CFP®, EA | Last updated Jul 30, 2025 | Incentive Stock Options

Are you considering exercising your incentive stock options (ISOs) this year? Before deciding, it’s important to consider the potential tax implications of when and how to proceed. In terms of...

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