Everything Equity Compensation

Equity compensation affects every aspect of your financial life. But, without a strategy in place to manage it all, you might miss out on opportunities to build wealth.

We’ll keep you on the right track, eliminate confusion, and provide a clear plan to capitalize on your ability to grow your net worth by showing you how to overcome the common challenges associated with managing stock options, RSUs, ESPPs, and more.

How Our Team Can Help

Equity compensation affects the entirety of your financial life.
Here are some ways we can help you manage it all.

The Challenges

The Solutions

The Challenge
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Equity compensation is confusing and complex
The Solution
Experienced advisors to explain what you have and what to do about it in a clear way
The Challenge
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Avoiding the burden of unexpected income tax
The Solution
A plan to help you exercise, hold, and sell stock that considers potential income tax, sale proceeds, and after-tax savings
The Challenge
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Potentially missing out on the upside of company stock and managing the concentrated risk that comes with owning too much of one stock
The Solution
Your plan will account for your goals and objectives, overall investment profile, and net worth to strike a suitable balance between selling or holding shares
The Challenge
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Managing the cash flows and tax obligations from an exercise or sale of stock
The Solution
An investment strategy that is designed to make the most of your after-tax proceeds from sales of shares
The Challenge
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Integrating equity into a comprehensive financial plan
The Solution
Professional guidance to help you manage your equity comp with an integrated action plan that suits your overall financial goals

Insights, Resources, & Ongoing Education

Let us develop solutions that integrate equity compensation into your wealth management solution, improving your overall tax, financial, and investment strategies.

Not only will you get comprehensive planning to help you exercise your equity compensation, but we provide ongoing education, support, and resources. We update our insights page regularly with the latest news, tips, and information in equity compensation and employee stock options; we hope you find it helpful.

Go from Overwhelmed to in Control

Whether you’re a founder, executive, or employee, all your equity compensation needs can be handled at Zajac Group.
Non-Qualified Stock Options

Generally taxable as ordinary income when the option is exercised, NQSOs are considered the easier of the two types of employee stock options.

Restricted Stock Units (& Awards)

Often considered the simplest form of equity compensation, restricted stock is commonly taxable when it vests and removes some of the decision-making from the employee recipient.

Incentive Stock Options

More complicated than their non-qualified stock options cousin, ISOs may receive preferential long-term capital gains tax treatment if certain holding periods are met. However, you may need to address the alternative minimum tax.

Employee Stock Purchase Plans

ESPPs are a convenient way to purchase company stock through payroll deductions. Some plans will allow for additional benefits such as a discount and a lookback provision, making a good ESPP potentially too good to pass up.

Alternative Minimum Tax (AMT)

The alternative minimum tax is charged when you exercise and hold incentive stock options. Good planning with help from Zajac Group will account for how much you pay and when you may get it back via an AMT credit.

Performance Grants & Others

There are many types of equity that you may have, and good planning requires the coordination of them all, including founders shares, stock owned outright, restricted shares, performance shares, and phantom stock.

Let’s Talk About Your
Financial Future

Maximize and protect your wealth with integrated, customized planning for a lifetime of success.

 

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