5 Questions About Your Company Stock

Does you Advisor Understand Your Equity Compensation Well Enough to Help you Plan it? Let me ask you a few company stock questions: Can Your Advisor Explain Forfeit Value? You should know the potential value of the compensation you’d leave behind if you quit or …

Manage Market Volatility

The first few trading days of February 2018 are a reminder that market volatility is always lurking below the surface of a Bull Market. Big market moves similar to the volatility we experienced in 2015 but not yet approaching declines of 2008-09 can rattle even …

Year-End Planning

Every year in February, after the W-2s and 1099s have arrived, we get tax-planning calls. Of course, by then it’s too late. The time for tax planning is before the year ends. Under the American Taxpayer Relief Act and the Affordable Care Act, some major …

Restricted Stock And Performance Shares

Over the last several years, companies have adopted ever more sophisticated equity compensation plans. Brought on in part by accounting rule changes that make the issuance of any kind of stock-based compensation an expense when they are granted, many companies have lightened up on stock …

Company Stock Diversification

The biggest challenge I face when counseling my clients is convincing them to avoid owning too much of their company’s stock. Tales about employees of Lehman Brothers or Enron who lost their entire net worth have shaken these clients to attention. The employees of public …

Retirement Planning With Stock Compensation

Listen to the Podcast we recorded for myStockOptions.com Your browser does not support the audio element. Click here as an alternative. While many of my clients intend to use stock compensation to boost their savings and lifestyles, I find that many of them do not …

Divorce, Taxation, And Stock Options

Divorce can be a major disruption to a family’s financial plans. Surprisingly, the Internal Revenue Service (IRS) and Congress have actually worked to make a difficult proceeding less overwhelming and burdened with taxation.

Structured Diversification Programs

SEC Rule 10b5-1 has had a significant impact on how directors, officers and other employees who are subject to “blackout” periods diversify their company stock holdings. Adopted concurrently with Regulation FD in August of 2000 as the Selective Disclosure Rule, 10b5-1 encompasses two major provisions. …

Stock Options

I see too many smart people with substantial gains in stock options who do dumb things. A disciplined stock option exercise strategy can prevent some big mistakes and significantly increase the value of your option grant. I try to teach my clients the following rules, …

Financial Planning For Equity Compensation At IPO Companies

My clients at companies preparing for an initial public offering (IPO) are giddy with thoughts of the wealth and opportunities it will provide. Many of them have worked at these companies since the startup stage, and the IPO represents a long-awaited event that may be …