You might not give much thought to the equity compensation you receive throughout the year (until you’re forced to take action with it). But even if you do have a long-term plan in mind, it’s smart to pause periodically and review the overall strategy. The end of the year is […]
Wealth Accumulation
5 Steps to Managing Concentrated Equity in Company Stock and Stock Options
Concentrated equity, also known as owning a large position in one company stock, can exist in many forms. One form of concentrated equity may be the result of working for an employer who has issued stock ownership via restricted stock and stock options. These types of stock ownership and stock […]
Comparing the Solo(k) and SEP-IRA for the Self-Employed
For those who are self-employed, the question of how to save for retirement is a frequent one. Fortunately, the answer may not be that that difficult at all. In fact, being self employed may mean that you have more retirement planning opportunities than you otherwise would have access too. This […]
What Is Net Unrealized Appreciation?
If you own company stock inside your 401(k) plan, you may want to know about net unrealized appreciation. Net unrealized appreciation, or NUA, is a financial planning technique that may allow you to obtain preferential tax treatment on a portion of your 401(k) assets. Most people with a 401(k) plan […]
Strategically Liquidating Concentrated Stock from a Tax Perspective
One rule of thumb regarding the ownership of company stock suggests that 10-15% of your total net worth may be a suitable allocation. 10-15% allows an employee or shareholder to participate in the upside of the company should the stock appreciate and, perhaps more importantly, be somewhat insulated from the […]