Daniel Zajac, CFP®

Confessions of a Financial Planning Junkie

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Confessions of a Financial Planning Junkie

With Daniel Zajac CFP®

What I’m Excited About Lately

In language that is simple to understand

3 Reasons to Love Restricted Stock and RSUs

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Restricted stock and restricted stock units (RSUs) are both commonly-used tools to attract and retain employees. While similar in feel, restricted stock and restricted stock units are technically different instruments, the details of which goes beyond the scope of this article. Both restricted stock and RSUs allow employees to potentially benefit financially if they meet the vesting requirements set by the employer. Often, those requirements mean staying with the company for a set period of time. That’s the employer’s incentive to give …

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The Top 10 Things You Need to Know About Non-Qualified Stock Options

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Non-qualified stock options (NSOs) are a common compensation feature provided to employees as part of a compensation package. If you have access to these perks, they give you the opportunity to potentially profit from the rising value of the company’s stock. If you find yourself on the receiving end of NSOs, you need to understand exactly what non-qualified stock options are and how they work, including how they could impact your income taxes, investment risk, and financial planning goals. Here are 10 key items you need to know about …

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How to Integrate Employee Stock Options into your Retirement Plan

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Traditional retirement planning is grounded in the belief that if you save early and save often, you’ll accumulate enough wealth to retire with the lifestyle that you want. Most people try to achieve this feat by funneling a percentage of their paycheck into a 401(k) plan. Unfortunately, this single strategy might not allow you to generate enough annual savings to reach your retirement savings goal. But there is some good news: there are many other ways to amass the wealth you need to fund the retirement you want. Employee stock options …

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