retirement planning and stock options Archives

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3 Employee Stock Option Exercise Strategies You Need to Know

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

Receiving employee stock options from your employer is great, as it indicates that your company sincerely values you. They want to keep you, and keep you happy! Furthermore, stock options...

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Cash vs. Cashless Exercise – The Employee Stock Option Conundrum

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

When you exercise your employee stock options, you may want to consider one of the following options to implement the exercise: A cash exercise, or a cashless exercise. This is...

How Much Company Stock Is Too Much?

by Daniel Zajac, CFP®, EA | Last updated Apr 23, 2025 | Wealth Accumulation

If you are on the receiving end of equity compensation in the form of employee stock options or restricted stock, it’s easy to get excited about the prospects of an...

Exploring the Life Cycle of Restricted Stock Units

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Restricted Stock

When a company wants to reward and retain talented employees by offering them equity compensation, Restricted Stock Units (RSUs) are a common grant of choice. Any form of equity compensation...

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How to Strategically Liquidate Company Stock and Employee Stock Options

by Daniel Zajac, CFP®, EA | Last updated Apr 23, 2025 | Wealth Accumulation

Many financial planners will suggest that you allocate no more than 10-15% of your investable net worth into a single stock position. That range can allow you to benefit from...

4 Strategies for Exercising Your Incentive Stock Options and the Tax Impacts of Each

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Incentive Stock Options

Incentive stock options may be offered as part of an employee compensation package. In a best-case scenario, these options can offer an invaluable benefit to you as an employee. You...

Evaluating 3 Non-Qualified Stock Option Exercise Strategies

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Non Qualified Stock Options

Non-qualified stock options (NSOs) are commonly issued to allow employees to participate in the upside potential of a company. While they can offer the potential to amass wealth, they’re also...

The Basics of Incentive Stock Options

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Incentive Stock Options

There are two types of employee stock options: incentive stock options, or ISOs, and non-qualified stock options, or NQSOs. Generally speaking, incentive stock options are the more complicated of the...

The Basics of Non-Qualified Stock Options

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Non Qualified Stock Options

Non-qualified stock options are a type of employee stock option that is unique in that they retain tax characteristics similar to restricted stock units and employee control and decision-making similar...

What is a Disqualifying Disposition of Incentive Stock Options?

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Incentive Stock Options

Incentive stock options, or ISOs, are a type of employee stock option. Often considered the favorable employee stock option as compared to non-qualified stock options, they may present an opportunity...

Why an Early Exercise of Your Incentive Stock Options Might Be Your Best Bet

by Daniel Zajac, CFP®, EA | Last updated May 4, 2025 | Incentive Stock Options

If you have incentive stock options but haven’t made a plan for them beyond “I’ll figure it out later,” you may want to consider the alternatives, and the alternatives are...