When dealing with employee stock options, the conversation usually centers around issues of income tax and investment risk. We talk about taxes because the amount of tax you pay has an impact on how much money you actually receive when you finally sell your shares. The issue of how much tax you owe depends on the type of stock option you have, when you exercise it, and when you sell it. We also focus on investment risk because owning many stock options means you own a large position in one company. That likely increases your level of risk …
Confessions of a Financial Planning Junkie
With Daniel Zajac CFP®
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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 goal. While understanding how much your retirement may cost, it’s just one part of a complete, sound retirement plan. That plan should be the real goal, because it will also tell you how to properly start drawing down assets in retirement. A complete retirement plan will tell you how much money you can spend each year in retirement, how much tax you …
There is no easy way around it, employee stock options are complicated. And depending on the type of stock options you have, how many you have, other types of employee stock options you own -- along with all your other specific financial planning needs -- understanding what to do with your employee stock options can become even more difficult to figure out. That’s the bad news. The good news is that with a little reading and some education on the must-know stuff, you can get yourself up to speed with the basics of employee stock options …
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