Daniel Zajac, CFP®

Confessions of a Financial Planning Junkie

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Confessions of a Financial Planning Junkie

With Daniel Zajac CFP®

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4 Questions to Ask If You Have Employee Stock Grants

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Some companies offer employee stock grants as part of a compensation package to help attract, retain, and reward key employees. Both the business and the employee share the hope that the stock price of the company will increase over time, which in turn can increase the success of the business and increase the wealth of the employee. The idea is this mutual benefit can translate into a joint desire to work hard and grow the company. As an employee on the receiving end of stock grants, it’s important to take personal responsibility to …

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How to Do a Year End Exercise of Incentive Stock Options to the AMT Crossover Point

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Finding the best time and best strategy to exercise incentive stock options is difficult. Competing considerations on income tax, investment planning, and financial planning make it difficult to address the best time to exercise incentive stock options (ISOs) with a blanket answer. Some strategies suggest that exercising early may be a good idea, because this is when the impact from the alternative minimum tax, or AMT, may be lowest. Others suggest it’s best to exercise as late as you can. Waiting offers you certainty as to final value of …

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What You Should Know About Cash Exercises of Employee Stock Options

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There are many reasons to exercise your employee stock options: a pending retirement that might require re-allocating assets; an approaching expiration date that warrants a “use it or lose it decision; a strategic exercise plan that integrates tax and financial planning. Coming up with “why” you might want to do a cash or cashless exercise of your stock options is easy. But equally important, and potentially scarier, is knowing “how” to do your exercise. When you exercise your employee stock options, you generally have a choice to do a …

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