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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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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How to Deal When Volatility Strikes Your Company Stock Options

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If you own company stock and/or employer stock options, it’s very possible that you have experienced market volatility and have seen firsthand how a quick change in the stock price can materially impact the value of your stock options.  A rising stock price can quickly change the value of your stock options into an extremely large figure.  Potentially a figure so large that it can create a concentrated equity position that should be evaluated. On the other side, a decrease in stock price can rapidly wipe away wealth quicker than you had ever …

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Restricted Stock Units and the Terminology You Should Know

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Restricted stock units are a great way for companies to add incentive to employee compensation packages. If you are receiving restricted stock from your employer, understanding the various unfamiliar terms and tax consequences are important to maximizing their value. All too often, employees don’t take the time to understand how vesting works or the tax implications of their restricted stock units. In this article, you’ll get a quick grounding in restricted stock to help you better understand, evaluate, and plan. Restricted Stock Units and …

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