retirement planning Archives

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Simplifying the Equity Compensation Complexities: Keep it, Spend it, or Save it

by Daniel Zajac, CFP®, EA | Last updated May 27, 2025 | Equity Compensation

If you’re wondering how to maximize the value of your incentive stock options (ISOs), non-qualified stock options (NQSOs), restricted stock units (RSUs), or other forms of equity compensation, you’re not...

How to Think About Your Equity Compensation as You Near Retirement

by Daniel Zajac, CFP®, EA | Last updated May 27, 2025 | Equity Compensation

As your retirement date gets closer, it’s important to remain proactive about your financial plan. A retirement plan can help you understand what assets you have available for retirement, where...

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...

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...

What Is Net Unrealized Appreciation?

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

If you own company stock inside your 401(k) plan, you may want to know about net unrealized appreciation. Net unrealized appreciation, or NUA, is a financial planning technique that may...