Daniel Zajac, CFP®

How to Create a Liquidation Plan for Your Restricted Stock Units

April 23, 2019 By Daniel Zajac, CFP®, AIF®, CLU® Leave a Comment

Restricted stock units are commonly used as a compensation tool by employers who want to reward and retain key employees. If you’re on the receiving end of restricted stock units, or RSUs, you could be set to financially benefit if you meet specific conditions set by your employer. The requisite condition is often staying employed with your company for a stated period of time. If you meet length-of-time condition, your RSUs vest and the value of the restricted stock units become yours. The value can be settled in shares of stock or in …

What Happens to Your Employee Stock Options When You Leave Your Company?

April 9, 2019 By Daniel Zajac, CFP®, AIF®, CLU® 1 Comment

Even if you don’t have plans to leave anytime soon, it’s not unreasonable to consider what happens to your employee stock options when no longer work for your current employer. Whether due to a planned retirement after a long career, a new opportunity at another company, or an intentional sabbatical from the workforce, there are plenty of good reasons why you won’t be at your company forever. There are also less-desirable circumstances under which you might leave. While no one hopes or plans to be let go, fired, or forced to stop working …

How Do You Pay the Exercise Cost When You Exercise Your Employee Stock Options?

March 26, 2019 By Daniel Zajac, CFP®, AIF®, CLU® Leave a Comment

If you have employee stock options, you’ve likely spent time considering how and when to turn the value of those options into cash proceeds you can actually use. To turn stock employee stock options into cash, you have to exercise them. When you exercise, you are buying shares of company stock at the exercise price of the employee stock option. Buying shares of stock means that you still need to pay for them when you exercise -- but you’re getting a bargain, because the price you pay will likely be lower than the current market price of …

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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