Insights

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

How to Integrate Employee Stock Options into your Retirement Plan

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

7 Steps To Handle Employee Stock Options During Market Volatility

by Daniel Zajac, CFP®, EA | Last updated Jul 8, 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...

Restricted Stock Units and the Terminology You Should Know

by Daniel Zajac, CFP®, EA | Last updated Aug 22, 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...

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How a Qualifying Disposition Impacts Your ESPP

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

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Incentive Stock Options and The Alternative Minimum Tax

by Daniel Zajac, CFP®, EA | Last updated May 19, 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...

What You Need to Know About Employee Stock Options

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

What You Should Know About Stock Appreciation Rights

by Daniel Zajac, CFP®, EA | Last updated Aug 22, 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...

5 Steps to Managing Concentrated Equity in Company Stock and Stock Options

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

You can develop concentrated equity positions in your investment portfolio when you own or control a single stock that makes up a significant part of your overall allocation. While there...

6 Strategies to Consider to Exercise Your Employee Stock Options

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

The decision to exercise your employee stock options can be a difficult one, regardless of whether you have incentive stock options or non-qualified stock options. You have to consider potential...

The Basics of Restricted Stock Units – And What You Should Know

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

Restricted stock units, or RSUs, are often used as part of a compensation package for a key employee. Employers may offer restricted stock units in place of providing cash directly...

Exploring the Details of A Cash Exercise of Employee Stock Options

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

When it’s time to exercise your employee stock options, you generally have one of two options to consider: you can do either a cash exercise or a cashless exercise. The...

The Math Behind a Cashless Exercise of Non-Qualified Stock Options

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

When the time comes to exercise your non-qualified stock options, you may find yourself asking about the process, the cost, and how it actually happens. This may lead you to...

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