As you approach retirement or move to a new employer, a 401(k) rollover probably feels like a natural next step on your to-do list. But if your retirement plan includes employer stock that has grown significantly over time, rolling everything into an IRA without a closer look could mean foregoing a powerful tax opportunity. Called […]
Through what some are calling a “silver tsunami,” experts predict around $84 trillion in wealth to be transferred over the next two decades.¹ The impact will likely be felt across various sectors of the economy, and it will require careful planning and adaptation to address this demographic shift’s opportunities and challenges. If you are receiving an […]
In the intricate landscape of executive retirement planning, few tools wield as much potential for financial empowerment as employee stock options (ESOs). For high-earning executives navigating non-traditional equity planning and tax strategies, understanding the nuances of Non-Qualified (NQ) and Incentive Stock Options (ISO) is paramount. This blog aims to unlock the latent power within these […]
In the ever-evolving landscape of employee compensation, the choices can often resemble a complex puzzle. Among the myriad of options available, two popular vehicles for rewarding employees stand out: stock options and restricted stock units. These compensation vehicles have become a central focus for both employees and employers seeking to align their interests and incentivize […]
For high-net-worth executives, equity compensation is simply part of the game. But when you’re consistently paid (bonuses, salary, etc.) in company stock, it’s easy to accumulate too much. Today we’ll review how high-profile executives can better manage their company’s equity and actively avoid concentration risk. What’s Too Much Company Stock? The answer to this question […]
If you work for a publicly-traded company, the last thing that you want to worry about is unintentional insider trading. One strategy to help avoid insider trading is a 10b5-1 Plan. 10b5-1 Plans are excellent diversification agents. They help provide avenues to diversify out of company stock and avoid too much concentration risk in your […]
Our previous article about equity compensation covered Employee Stock Purchase Plans (ESPPs). Today, we’re going to dissect a prevalent vehicle that pops up in compensation packages across industries, Restricted Stock Units (RSUs). As part of our “Equity Compensation Foundations” series, this article covers the critical mistakes employees make with their RSUs and how to leverage […]
As your career advances, you’ll likely encounter equity compensation. Having equity in your company is a great way to feel connection and purpose to the work you do. But equity compensation is hardly one size fits all. There are several different types, all of which could have a significant impact on your financial plan. One […]
Have you ever wondered what happens to your non-qualified deferred compensation plan (NQDC) when you leave your employer? As a reminder, NQDC plans allow executives and other employees to defer a portion of their compensation, as well as the income taxes due, until the balance in the plan is paid. When you leave your employer, […]
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