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Is Your Company Going Public? Stop Obsessing About Taxes. Start Obsessing About Your Life.
by Meg Bartelt, CFP®, MSFP, RICP®, Flow Financial PlanningIt’s been a long few years, but your company is finally having its IPO. Lucky you!
If your company is going (or has recently gone) public, then perhaps you are beset by anxiety about “How do I do this right?” You recognize that this is probably a once-in-a-lifetime opportunity to make real wealth in a very short period of time, and you don’t want to screw it up.
And ‘tis true! On all counts. It’s rare to work at a company that goes public, especially one that goes public successfully. It probably won’t happen to you again. And there are a lot of ways to screw this up.
But what I don’t want you to think is, “In order to do this right, I have to be sure to pay as few taxes and make as much money as possible.”
Why sell my stock? It just keeps going up!
by Britton Gregory, CFP®, Seaborn Financial, LLC
At Seaborn, we see a lot of folks come in with high concentrations of a single stock, generally from ESPP's, RSU's, ISO's, or other employee benefits that come in the form of employer stock shares. They look at the immediate past performance, see that the e.g. 20% annualized gain has far outpaced even the S&P500 -- much less a diversified portfolio that includes bonds ("ych -- bonds?!") -- and go "why would I sell my stock?"
Good question. So: let's talk about a mental framework for making that decision. Which, of course, first means talking about cognitive bias.
"I knew that was going to happen." No, you didn't -- but "hindsight bias" makes you think you did. Because the past is deterministic, it fools us into thinking that the future is deterministic as well! (As a software engineer, I was particularly prone to this*, because programs are by nature completely deterministic**!)
Amazon RSU Strategies: Build Wealth In Your 30s & 40s
by Alvin Carlos, CFP®, CFA, District Capital Management
If you’re a professional working at Amazon, there’s a good chance that Restricted Stock Units (RSUs) make up a large part of your compensation. And if you’re in your 30s or 40s—navigating career advancement, homeownership, or family planning—understanding how RSUs work could significantly shape your financial future.
This guide will walk you through everything you need to know about Amazon RSUs, including how they work, their tax implications, and how to maximize their benefits within your long-term goals.
Maximizing Wealth: The Best Strategy for Selling Stock Options and RSUs
by Christopher Stroup, CFP®, MBA, EA, Silicon Beach Financial
For tech professionals, entrepreneurs, and startup employees, stock options and RSUs are more than just a perk. They’re often an integral part of your compensation package and long-term wealth-building strategy. Understanding when to sell or hold these stocks can make a significant difference in how much wealth you accumulate over time.
This post explores smart strategies for selling stock options and RSUs, including timing, tax planning, and how to align these decisions with your personal financial goals.
Following along with the blogs of financial advisors is a great way to access valuable, educational information about finance — and it doesn’t cost you a thing! Our financial planners love to share their knowledge and help everyone regardless of age or assets.
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