Daniel Zajac, CFP | Equity Compensation with Daniel Zajac

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...

6 Reasons to Exercise Your Incentive Stock Options When the Price Is Down

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

No one likes to see a stock they own go down in value. When we buy stock, we hope the price rises so we can earn a profit on our...

4 Taxes to Plan for When You Sell Your Incentive Stock Options

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

If you try and look up information to learn more about your incentive stock options, most of what you’ll find addresses what happens when you exercise your options — but...

How and When Are Incentive Stock Options Taxed

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

Incentive stock options are a form of employee compensation that allows you to participate in the appreciating value of a company’s stock price. A type of stock option that comes...

4 Questions to Ask If You Have Employee Stock Grants

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

Some companies offer employee stock grants as part of a compensation package to help attract, retain, and reward key employees. Both the business and the employee share the hope that...

How to Exercise Incentive Stock Options to the AMT Crossover Point

by Daniel Zajac, CFP®, EA | Last updated Jul 7, 2025 | Alternative Minimum Tax, Incentive Stock Options, Strategies for Maximizing Equity Compensation

Finding the best time and best strategy to exercise incentive stock options is difficult. Competing considerations on income tax, investment planning, and financial planning make it difficult to address the...

What You Should Know About Cash Exercises of Employee Stock Options

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

There are many reasons to exercise your employee stock options: a pending retirement that might require re-allocating assets; an approaching expiration date that warrants a “use it or lose it...

4 Non-Tax Questions You Need to Ask of Your Employee Stock Options

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

When dealing with employee stock options, the conversation usually centers around issues of income tax and investment risk. We talk about taxes because the amount of tax you pay has...

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

by Daniel Zajac, CFP®, EA | Last updated May 27, 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...

Insights

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

6 Steps for Handling Employee Stock Options as a Conservative Investor

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

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

6 Reasons to Exercise Your Incentive Stock Options When the Price Is Down

4 Taxes to Plan for When You Sell Your Incentive Stock Options

How and When Are Incentive Stock Options Taxed

4 Questions to Ask If You Have Employee Stock Grants

How to Exercise Incentive Stock Options to the AMT Crossover Point

What You Should Know About Cash Exercises of Employee Stock Options

4 Non-Tax Questions You Need to Ask of Your Employee Stock Options

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

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