Daniel Zajac, CFP®

Should You Exercise and Sell All Your Employee Stock Options Right Now?

February 5, 2019 By Daniel Zajac, CFP®, AIF®, CLU® Leave a Comment

If you have employee stock options, you’ve probably spent time considering the absolute best time to exercise those options -- and from there, whether you should sell or hold your shares. Answering the question of “when” -- when to exercise, and when to sell -- is wrapped in complexity. With so many liquidation strategies at your disposal and so many personal needs to consider (such as what kind of stock options you own and what the tax implications may be for taking action with them), the decision-making web can seem endless and …

How and Why to Exercise Your ISOs Early in the Calendar Year

January 29, 2019 By Daniel Zajac, CFP®, AIF®, CLU® Leave a Comment

Ready to exercise your incentive stock options (ISOs)? Then you have many strategies to consider for how and when to take the next steps. Potential plans to implement include exercising well before the ISOs are set to expire, exercising as expiration nears, or exercising on a rolling basis (so you exercise some ISOs each year as part of diversification strategy). All of these, and more, are viable paths to take. The right strategy for you will depend on your personal circumstances, goals, and objectives. That covers potential ways of …

6 Reasons to Exercise Your Incentive Stock Options Even When the Price Is Down

January 22, 2019 By Daniel Zajac, CFP®, AIF®, CLU® Leave a Comment

No one likes to see a stock they own go down in value. When we buy stock, we hope the price rises so we can earn a profit on our purchase. It’s bad enough, then, when our share prices fall instead. But what’s potentially even worse? Seeing those falling stock prices -- and seeing the value of our incentive stock options (ISO) fall with them. A falling stock price may compound your loss on the value of your ISO shares due to the inherent leverage associated with incentive stock options. Leverage with stock options means that your value can …

My real passion is helping people who are serious about making great decisions with their money pursue financial success.

Like you, my clients are busy and successful. They often work with me because they are serious about creating a plan to exercise and sell some or all of their stock options (in the short or long term).

A plan that addresses the alternative minimum tax, holding period requirements, cash flow needs, investment risk, and personal financial planning goals.

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