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
You can develop concentrated equity positions in your investment portfolio when you own or control a single stock that makes up a significant part of your overall allocation. While there are many reasons this can happen, one common way people find themselves with a concentrated position is when they receive […]
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 […]
How to Strategically Liquidate Company Stock and Employee Stock Options
Many financial planners will suggest that you allocate no more than 10-15% of your investable net worth into a single stock position. That range can allow you to benefit from the potential upside of a growing, successful company, without leaving your assets too vulnerable to a less-desirable outcome if the […]
How Much Company Stock Is Too Much?
If you are on the receiving end of equity compensation in the form of employee stock options or restricted stock, it’s easy to get excited about the prospects of an increasing stock price and how that can positively impact your financial future. Company stock can offer non-financial benefits as well, […]