Simple When Possible. Sophisticated When Necessary.
Stock options, restricted stock units, restricted share awards, and other equity grants can become a major source of personal wealth.
As their value grows, so do the decisions around when to exercise, when to sell, how much company stock to hold, how taxes may affect your choices, and what happens if you retire or leave your employer.
We help integrate those decisions into your complete wealth plan.
As their value grows, so do the decisions around when to exercise, when to sell, how much company stock to hold, how taxes may affect your choices, and what happens if you retire or leave your employer.
We help integrate those decisions into your complete wealth plan.
Questions Every Executive Should Be Asking
- Which stock option grants should I consider exercising first?
- When should I exercise my options?
- How are ISOs and NQSOs different?
- Should I hold or sell vested RSUs?
- How much of my wealth should remain in company stock?
- What happens to my grants if I retire or leave?
- How does my insider trading policy affect my choices?
- Could a 10b5-1 plan fit into my strategy?
- What should I discuss with my CPA?
- How should equity compensation fit into my estate plan?
From Equity Compensation to Comprehensive Wealth Planning
1. Understand What You Own
Review grants, vesting schedules, exercise prices, concentrated positions, and applicable restrictions.
2. Understand Your Choices
Evaluate exercise, sale, diversification, tax, risk management, and other planning considerations.
3. Connect It to Your Wealth Plan
Coordinate your equity compensation with investments, retirement, cash flow, estate planning, charitable goals, and family priorities.
When One Company Has Created Much of Your Wealth
If company stock helped create your wealth, deciding when and how to diversify can be difficult.
You may believe strongly in the company. Selling may create tax consequences. Trading restrictions may limit your choices. At the same time, your career and your personal wealth may depend on the same organization.
We help you evaluate that exposure and consider strategies based on your goals, company policies, tax situation, and tolerance for risk.
You may believe strongly in the company. Selling may create tax consequences. Trading restrictions may limit your choices. At the same time, your career and your personal wealth may depend on the same organization.
We help you evaluate that exposure and consider strategies based on your goals, company policies, tax situation, and tolerance for risk.
If Your Company Gave You the Same Amount in Cash Today, Would You Use It to Buy More Company Stock?
Your answer can start an important conversation about concentration, risk, taxes, and what you want your wealth to accomplish.