POPULARITY
8 episodes with rsus
4 episodes with rsus
3 episodes with rsus
3 episodes with rsus
4 episodes with rsus
7 episodes with rsus
3 episodes with rsus
4 episodes with rsus
9 episodes with rsus
Sitting on a pile of company stock and not sure what to do with it? Jake and Cory unpack the four biggest pitfalls employees face with RSUs, ESPPs, and stock options—from tax confusion to emotional attachment—and share a simple framework to help you make more informed decisions. With real-life stories, practical strategies, and a dose of myth-busting, this episode will help you turn your equity compensation into a powerful part of your retirement plan. --------------- Subscribe to our weekly newsletter: https://bit.ly/43RcVve Contact our team: https://bit.ly/43wksOJ Order Jake's Amazon best selling book ‘Retiring Right': https://bit.ly/4mD2EKw --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™ https://www.facebook.com/jake.falcon.524 https://www.instagram.com/jake_falcon_crpc/?hl=en https://twitter.com/jakefalconcrpc https://www.linkedin.com/in/jakefalconfalconwealthadvisors #rsus #stockoptions #equitycompensation #financialplanning #retirementplanning #wealthmanagement #employeestock #investingstrategy #taxplanning #uptickspodcast
Send us a textTax planning timing is crucial for maximizing wealth and minimizing your tax burden, with most people waiting too long and missing significant opportunities for savings and financial growth.• When to start tax planning if you have business income volatility or uncertainty• How one-time events like RSUs, capital gains, or inheritances should trigger planning• Why waiting for tax law changes like bonus depreciation can cost you significantly• Complex tax strategies often take months to set up properly with multiple professionals• Immediate tax savings by reducing W-2 withholdings or quarterly estimated payments• Family-based strategies need time for proper implementation during the tax year• Advanced planning reduces stress and prevents last-minute poor decision making• Earlier implementation means more time for investments to generate both tax advantages and economic returns• Hiring the right tax professional early gives you time to change if neededVisit prosperalcpa.com/apply or taxplanningchecklist.com to learn more about implementing these strategies and taking control of your financial future.
Equity compensation can be one of the most powerful tools for building wealth — but it's also one of the most misunderstood. In this episode of THE FINANCIAL COMMUTE, Chris and Mike discuss the ins and outs of equity-based pay, from stock options and RSUs to employee stock purchase plans. Whether you're negotiating a new offer or trying to make sense of what's already in your compensation package, their conversation will help you optimize your equity.Tune in if you're interested in the following:• The different types of equity compensation: non-qualified stock options, incentive stock options, restricted stock units, and employee stock purchase plans• How vesting schedules work• How to optimize equity for taxes
In this impactful episode of Being Brown at Work Live, I sit down with the incredible Brandon William Jones, Founder & CEO of Gravy, to kick off a crucial conversation about something many of us are taught to shy away from: money and wealth. Brandon, with his stellar background in tech leadership and finance, challenges our traditional understanding of wealth, expanding it beyond just dollars to include health, a fulfilling life, and true freedom. He introduces the game-changing concept of detaching your time from your money, a powerful shift from the "good job" mentality of past generations to building sustainable assets for the future. We dive deep into: Redefining Wealth: It's more than just a savings account or 401k; it's about freedom and control. The Evolving Job Market: Why AI, layoffs, and a less secure job landscape make building wealth now more critical than ever. The Power of Ownership: Understanding how ownership of assets is at the core of true wealth building and tackling disparities. Beyond Salary: Brandon shares his invaluable personal experience with equity (RSUs) at top tech companies and how it can be a significant game-changer for high earners. This episode is just the beginning of unlocking a new playbook for financial empowerment. Brandon and I are sharing the insights we wish we'd known earlier. You won't want to miss Part 2, where Brandon will reveal the "how-to" of building wealth through ownership. Ready to take control of your career and earn what you're truly worth? This episode is sponsored by the Salary Bump Accelerator. If you're ready to make thousands more in your next salary negotiation, the Salary Bump Accelerator is your proven system. Packed with everything you need to prepare like a pro, negotiate with confidence, and land a total compensation package that reflects your value, this program is designed to get you paid what you deserve. As a loyal listener, you get 15% off with the code BEING15. Go to https://thesalarybump.com/salary-accelerator/ to get started. Connect with Brandon Jones: LinkedIn: https://www.linkedin.com/in/brandonwilliamjones/ Connect with Linda: https://www.lindataliaferro.com https://www.linkedin.com/in/lindataliaferro
In this episode, I break down the ins and outs of Restricted Stock Units (RSUs), Non-Qualified Stock Options (NSOs), Incentive Stock Options (ISOs), or Employee Stock Purchase Plans (ESPPs).---------✅ Financial planning for 30-50 year old entrepreneurs: https://www.allstreetwealth.com✅ My personal blog & newsletter: https://www.thomaskopelman.comDisclaimer: None of this should be seen as financial advice. It is just for informational purposes.
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---
In this second installment of Absolute Trust Talk's international estate planning series, host Kirsten Howe welcomes back estate planning specialist Janet Brewer to explore advanced strategies for families with cross-border connections. Building on their previous discussion of guardianship challenges, this episode focuses on critical tax considerations and financial hurdles faced by international families. Janet, a certified specialist with over 30 years of experience serving Silicon Valley clients, explains the unique tax opportunities available to visa holders with stock options and RSUs, which could result in savings of hundreds of thousands of dollars in estate taxes. The conversation reveals why appointing trustees who live abroad can trigger costly "foreign trust rules" and explores practical obstacles, such as banking restrictions, that complicate international wealth transfers. Janet and Kirsten also discuss the unexpected documentation requirements that can delay inheritance distributions to beneficiaries across borders, including the little-known "transfer tax certificate" that can hold up distributions for 6-9 months even when no tax is owed. Whether you're working in the US on a visa, have family members overseas, or are a US citizen living abroad, these expert insights could protect your hard-earned wealth from unnecessary complications and taxation. Time-stamped Show Notes: 0:00 Introduction 1:22 Janet introduces a common scenario: Visa holders with stock options and RSUs who need specialized planning. 2:54 Did you know? US citizens enjoy a nearly $14 million exemption, while non-US domiciliaries face estate tax after just $60,000. 4:56 Discover the key "planning opportunity" for visa holders: Gifts of US stock aren't subject to gift tax, but the same stock in their estate would face up to 40% tax at death. 8:53 Janet explains the critical distinction between "residence" and "domicile" for tax purposes, and how visa holders can legally leverage this difference. 11:31 Find out why appointing a foreign trustee can trigger costly "foreign trust rules" that reduce funds available for beneficiaries. 13:42 Learn about the growing practical challenge of US banks refusing accounts for trustees who don't have US addresses. 16:17 Next, Kirsten and Janet discuss why hiring a US-based professional fiduciary might be the most cost-effective solution despite the emotional preference for family trustees. 18:49 Obtaining an ITIN (International Taxpayer ID Number) can delay distributions by months, another documentation hurdle that foreign beneficiaries face. 22:09 Janet shares a recent discovery about US citizens living abroad: their US assets require a "transfer tax certificate" that can take 6-9 months from the IRS, even when no tax is owed. 25:44 Here's a workaround for the transfer tax certificate delay: Opening a probate proceeding can allow distributions to proceed more quickly.
Companies often use stock options as an incentive to attract talent, and while highly coveted, they are also highly complex and often misunderstood. Donna and Nathan discuss two common types of stock options, RSUs and non-qualified stock options, and how they work. Also on MoneyTalk, 7 milestone ages in retirement planning, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.
Feeling like you're stuck living paycheck to paycheck?
Hear your host, AJ Ayers, share her expertise on equity compensation as a special guest on Peter Lazaroff's podcast, The Long-Term Investor! In this focused conversation, AJ shares insights on critical year-end tax planning, developing multiyear strategies for stock options and RSUs, managing risk, preserving gains, and simplifying selling strategies. For the video recording, check out the Long Term Investor podcast on YouTube. Key Moments: 00:37 - Year-End Tax Planning for Equity Comp 03:54 - Long-Term Equity Strategy & Diversification 09:24 - Exercising Private Company Stock Options 14:10 - Managing Equity Compensation Risk 22:27 - Advanced Tactics for Mixed Equity Packages 25:38 - Strategies to Minimize Taxes on Gains 32:49 - Automated Selling with 10b5-1 Plans 34:56 - Final Tips & Takeaways
In this episode, Dr. Cherry breaks down the financial challenges oil and gas executives face—like managing complex pay packages, stock units (RSUs), and big tax bills. He shares smart strategies to avoid tax surprises, protect wealth, and plan for a secure retirement.Takeaways:• Plan for tax hits• Watch RSU timing• Limit company stock• Max out 401(k)• Think long-termWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/
Today's agenda: The manual of me Cringe corporate speak: take it offline Hot topic: all things start-ups: how to be successful, key traits and how to survive in an evolving organization What is it like working as an HR professional in a start-up? Reactivity vs. proactivity Working in an unpredictable and evolving environment can be an effective way to grow in your career Opportunities to build departments from the ground up RSUs and equity Informing and influencing on the job - it's not for everybody How do HR and all other business professionals, employees and leaders help shape a healthy startup culture? Questions/Comments Your To-Do List: Grab merch, submit Questions & Comments, and make sure that you're the first to know about our In-Person Meetings (events!) at https://www.hrbesties.com. Follow your Besties across the socials and check out our resumes here: https://www.hrbesties.com/about. Subscribe to the HR Besties Newsletter - https://hr-besties.beehiiv.com/subscribe We look forward to seeing you in our next meeting - don't worry, we'll have a hard stop! Yours in Business + Bullsh*t, Leigh, Jamie & Ashley Follow Bestie Leigh! https://www.tiktok.com/@hrmanifesto https://www.instagram.com/hrmanifesto https://www.hrmanifesto.com Follow Bestie Ashley! https://www.tiktok.com/@managermethod https://www.instagram.com/managermethod https://www.linkedin.com/in/ashleyherd/ https://managermethod.com Follow Bestie Jamie! https://www.millennialmisery.com/ Humorous Resources: Instagram • YouTube • Threads • Facebook • X Millennial Misery: Instagram • Threads • Facebook • X Horrendous HR: Instagram • Threads • Facebook Tune in to “HR Besties,” a business, work and management podcast hosted by Leigh Elena Henderson (HRManifesto), Ashley Herd (ManagerMethod) and Jamie Jackson (Humorous_Resources), where we navigate the labyrinth of corporate culture, from cringe corporate speak to toxic leadership. Whether you're in Human Resources or not, corporate or small business, we offer sneak peeks into surviving work, hiring strategies, and making the employee experience better for all. Tune in for real talk on employee engagement, green flags in the workplace, and how to turn red flags into real change. Don't miss our chats about leadership, career coaching, and takes from work travel and watercooler gossip. Get new episodes every Wednesday, follow us on socials for the latest updates, and join us at our virtual happy hours to share your HR stories. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Navigating tech salaries and equity can be confusing, but understanding the details of stock options, RSUs, and compensation strategies can significantly impact your financial future. Compensation expert, Kimberly Hodgdon, who has worked with major tech companies like Netflix and Pinterest, breaks down key insights to help you maximize your earning potential such as:How to decipher and negotiate tech compensation packages, including RSUs and ESPPs.Strategies for evaluating a company's stock value before accepting an offer.Expert tips on managing equity for long-term financial success.Show NotesWeekly Newsletter Sign-Up: http://bit.ly/37hqtQWThe Salary Project: https://www.careercontessa.com/the-salary-project/LevelsFYI: https://www.levels.fyi/Blind: https://www.teamblind.com/salaryGuest Resources:Kimberly Hodgedon: https://www.linkedin.com/in/kimberlyhodgdon/The Comp Team: https://www.thecompteam.com/Comp. Template: Spreadsheet to calculate Total CompensationCareer Contessa ResourcesBook 1:1 career coaching session: https://www.careercontessa.com/hire-a-mentor/Take an online course: https://www.careercontessa.com/education/Get your personalized salary report: https://www.careercontessa.com/the-salary-project/Browse open jobs: https://www.careercontessa.com/jobs/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode, Dr. Preston Cherry breaks down the essentials of equity compensation—RSUs, ISOs, NQSOs, and ESPPs. He explains how taxes and behavioral biases can influence your decisions and offers smart strategies to maximize your equity benefits while avoiding common traps.Takeaways:• Know your tax impact• Sell RSUs to cover taxes• ISOs can lower taxes• ESPPs offer discounted stock• Plan ahead to win bigWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/
In this episode of On Boards, hosts Joe Ayoub and Raza Shaikh welcome Tom Rosedale, a partner at the law firm of Nutter McClennen & Fish. Tom serves as chair of the firm's Corporate and Transactions Department and is a member its Executive Committee. Tom has 27+ years of experience as a corporate attorney and regularly advises public and private company boards of directors in tech, life sciences and more. He has also served on the board of directors of multiple companies including Caring Cross, Vector BioMed, and AMD Global Telemedicine. The discussion with Tom underscores how evaluation processes can enhance accountability and productivity and address underperforming board members in a constructive manner. Key Takeaways Introduction of a board evaluation process Tom discusses a company with a board of directors with strong members but with members who were distracted, unengaged and unprepared in meetings. A new lead director pushed for change and asked Tom to work with him to develop and implement a peer evaluation process. The evaluation process was very well received, it included rankings of each board member, written feedback and questions on the functionality of committees. It had major impact on the function of the board and, ultimately, board composition. 2. Addressing board member underperformance Boards should apply some form of structured evaluation to regularly address performance issues and avoid abrupt dismissals. 3. Encouraging board diversity to improve strategic oversight A board composition that includes a diversity of perspectives whether by age, background, expertise or otherwise improves strategic oversight and innovation. Adding new members to the board as the company grows, changes, faces new challenges brings in different perspectives and approaches that will allow the board to perform at a high level. 4. Board and shareholders impact on executive compensation Company executives used to receive compensation in the form of stock options but now many corporations are issuing stock, RSUs and guaranteed bonuses. Compensation amounts have increased exponentially over the last few decades, even though there is an increased focus on it. When it comes to executive compensation, board members need to remember that their role is to represent shareholders and to make the right decisions on behalf of the company. Quotes "The evaluation process works well when there's a culture of accountability and no surprises." "Ultimately, board members must prioritize representing shareholders and making decisions in their best interests." “ If shareholders feel that a board is approving compensation or not holding people accountable for poor performance, then shareholders should vote for other board candidates.” “The best functioning boards are the boards that don't stagnate. It's boards that don't have all 65-year-old guys who come from the same industry.” Guest Bio Tom Rosedale chairs Nutter McClennen & Fish's Corporate and Transactions Department and is a member of the firm's Executive Committee. He primarily advises clients on public and private company securities law matters including public offerings, ATM transactions, registered direct offerings and equity lines of credit (ELOCs)), mergers and acquisitions (public and private), venture capital transactions, and general corporate matters. Tom also represents family offices with their many diverse legal needs. He regularly advises public and private company boards of directors and clients on executive employment matters and incentive compensation arrangements. Tom also serves as outside general counsel to clients in various industries. Prior to joining Nutter, Tom founded and served as the managing member of a boutique corporate law firm for 19 years. Before that, he served as Associate General Counsel of CMGI, Inc. and Vice President and General Counsel of AltaVista Company. Tom founded and co-founded several companies, including Corporate Filing Solutions (sold to Northwest Registered Agents), PackageFox (sold to Lojistic), Newfound Research, and Top Shelf Dog. He has served on the board of directors of multiple companies, including Caring Cross Inc., Vector BioMed, AMD Global Telemedicine (sold to Unidoc), Top Shelf Dog, Red Systems (dba Delegated.com and sold to Zirtual), and Newfound Research.
Send us a textReady to slash your tax bill? Schedule your free consultation and let's strategize your tax savings together! Book now at: https://www.prosperlcpa.com/apply Or, if you still need more time, here are some other ways to begin winning the tax game... At the very least, get on our newsletter to gain access to free live events and exclusive insight you won't find anywhere else: https://www.prosperlcpa.com/newsletter-subscription Unlock the secrets to saving big on taxes for high earners—join our FREE live Tax Q&A calls Wednesdays at 3pm EST Reserve your spot now at: https://www.prosperlcpa.com/live-qa Get your FREE Personalized Tax Planning Video at: https://www.prosperlcpa.com/5minutetaxplan Make the most of the available tax strategies for real estate investors and gain access to reliable guidance, expense templates and workpapers with our Essential Tax Planning for Real Estate Investors CourseRestricted Stock Units (RSUs) create significant tax challenges for high-income earners, as you're taxed on compensation that doesn't hit your bank account. Strategic tax planning can transform this liquidity problem into wealth-building opportunities through leveraged tax strategies that deliver immediate tax savings.• RSUs tax you on company stock compensation without providing immediate cash flow• Simply selling the stocks provides liquidity but misses tax optimization opportunities• Advanced charitable deduction strategies can provide 2-3x return on investment through tax savings• Equipment rental investments allow purchase with 10% down while generating depreciation to offset W-2 income• Solar investments provide both depreciation benefits and tax credits• Short-term rentals with material participation can reduce W-2 tax burden• Oil and gas investments typically provide 80-90 cents of tax deduction per dollar invested• High-income earners can offset up to $600,000 of W-2 income with strategic investments• Implementation before year-end is crucial for maximum tax benefitsIf you appreciate this and want to learn more, go to ProsperalCPA.com/apply or visit taxplanningchecklist.com for more education on minimizing your taxes.
Dan Lefkovitz, strategist for Morningstar Indexes, talks about what he finds noteworthy in the bond market today. Philip Straehl, chief investment officer for the Americas for Morningstar Wealth, a part of registered investment adviser Morningstar Investment Management, explains why employees who own company stock should protect their total wealth.Bond Market in Q1 2025Why Did the 10-Year US Treasury Yield Go Up After 2024 Interest Rate Cuts Why Bond Investors Are Worried Following the US Presidential ElectionWhat's the Bright Side for Bonds?The Importance of Portfolio DiversificationMorningstar's 2025 Bond OutlookKey Takeaways on Portfolio DiversificationWhat's New in the Markets?What Are Restricted Stock Units?Risks Associated with RSUsExamining RSU Risk Through Portfolio PersonalizationUnderstanding Concentration Risk's Effect on Your Total WealthDo Separately Managed Accounts Offer Enough Personalization? How Should Investors Mitigate the Risk?How Do Your Financial Goals Play Into Diversifying Your Concentrated Portfolio?Do You Need a Financial Advisor to Diversify Your Portfolio?Key Takeaways on RSUs and Portfolio Personalization Read about topics from this episode. Experts Forecast Stock and Bond Returns: 2025 EditionWhat Higher Inflation Means for Stock/Bond Correlations10 Financial Rules of Thumb You Don't Have to FollowDo as I Say (Not as I Do)Bonds Might Be Losing Money, but There Is a Bright Side8 Top-Performing High Yield Bond FundsStocks and Bonds Stumble on Hot Jobs Report. Are Markets in Trouble, or Is It Just Noise?How to Make Sure Your Personalized Portfolio Doesn't BackfireShould Your Clients' Stock Portfolios Consider Their Careers? What to watch from Morningstar.Where to Find Bargain Stocks in an Expensive Market These 4 Dividend ETFs Strike the Right Balance for Income Investors Vanguard Fee Cuts May Be Small, But They're a Win For Investors How Inflation, Tariffs, and More Could Impact Your Finances in 2025 Read what our team is writing:Dan LefkovitzPhilip StraehlIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/
URL: https://www.lpfadvisors.com/ The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations. Moderna's YES Plan offers its employees a unique opportunity to align their annual equity awards with their individual financial goals by choosing between stock options and restricted stock units (RSUs). The 2025 Equity Awards introduce a pivotal change, shortening the vesting schedule from four years to two, which expedites employees' access to equity value. Kris Flammang and Collin Habig, both deeply invested in financial advisory, underscore the importance of this plan as a cornerstone of Moderna employees' financial strategies. They stress the necessity of early decision-making, leveraging educational resources, and consulting with financial advisors to tailor equity awards to personal financial objectives, thus avoiding the pitfalls of hastily made choices. Both Flammang and Habig advocate for a balanced, informed approach, cautioning against the potential risks associated with stock options losing value, and highlighting the benefits of the enhanced flexibility provided by the YES Plan. Here's what to expect this episode: Moderna's YES Plan allows employees to customize their equity awards by choosing between stock options and RSUs to align with their financial goals. The 2025 Equity Awards by Moderna have been updated to shorten the vesting schedule from four to two years, providing employees quicker access to the value of their equity awards. Moderna offers resources such as a stock options versus RSUs calculator and educational sessions to help employees make informed decisions about their equity selections. Connect with Collin Habig https://www.linkedin.com/in/collinhabig/ Connect with Kris Flammang https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Are your RSUs a golden ticket to financial freedom or just a confusing piece of your compensation package? This week, we demystify Restricted Stock Units and show you how to turn them into a powerful wealth-building tool. Learn how to navigate vesting schedules, understand the tax implications, and develop a smart strategy for managing your RSUs. Don't leave money on the table – tune in and unlock the potential of your equity compensation.This episode is on YouTube: https://youtu.be/KfX1rEcPwGsSend us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram
In this episode of the Liquidity Event: Money and Finance with Shane and Ally Jane, we cover everything you need to know about RSUs, from basic tax implications to advanced strategies for managing your equity compensation. Key Timestamps: 0:28 - Introduction to RSUs & today's topics 6:38 - What makes RSUs unique among equity compensation 9:20 - How RSUs vest & the one-year cliff explained 12:33 - Tax implications: The crucial moment of vesting 22:08 - Understanding RSU withholding challenges 24:19 - Double trigger RSUs explained 27:09 - Sell to cover strategy breakdown 31:02 - Watch out for wash sales with RSUs 32:39 - Blackout periods (preview for future episode) Connect with us: Email: liquidity@brooklyn.com Leave a voicemail: memo.fm/theliquidityevent/ Don't forget to like, subscribe, and leave a review! New episodes every Friday. #FinancialAdvice #RSUs #StockOptions #TechNews #PersonalFinance
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- Download our FREE Financial Planning Workbook for 2025!
In this episode of ThimbleberryU, we dive into actionable strategies to make 2025 a banner year for financial growth. We focus on practical, often-overlooked habits that can help listeners tackle common hurdles in financial planning, like maximizing contributions, handling stock options, estate planning, and finding a healthier work-life balance.Amy Walls begins by discussing the challenges of maximizing tax-advantaged contributions. She emphasizes the importance of building habits, likening it to brushing your teeth or exercising. A gradual increase—like raising 401(k) contributions by 1% each month—can make these adjustments manageable and sustainable. Small, consistent actions build financial momentum.Next, we tackle stock options and RSUs, particularly for those in the tech sector. Amy recommends diversifying holdings to avoid placing all financial eggs in one basket. Planning how to reinvest proceeds from selling stock in advance can help manage the emotional hurdles of timing sales. She advises consulting trusted individuals with relevant experience and reframing decisions as part of a larger financial strategy.For those with excess cash flow, Amy suggests breaking large decisions into smaller, less intimidating steps. Like planting a garden, starting small with investments and building over time allows for control and adaptability. Monthly transfers, for example, can help build confidence without feeling overwhelming.Estate planning is another key area where procrastination reigns. Amy advises creating annual check-ins and starting small—like updating beneficiary designations—to make progress feel less daunting. Life changes happen frequently, making regular updates essential to ensure alignment with current goals.We also explore the art of meaningful giving, whether to charities or family. Simplifying the process—such as focusing on a few causes or using donor-advised funds—can make giving more impactful and less stressful. Transparent family conversations around financial goals can further reduce misunderstandings.Finally, we discuss achieving better work-life balance by prioritizing personal goals with the same importance as professional ones. Amy shares her own experience of scheduling personal tasks, like watering plants, alongside work obligations. She emphasizes making vacation planning and funding non-negotiable and leveraging delegation to minimize stress.The overarching message is that financial success in 2025 depends on small, consistent changes, intentional planning, and balancing priorities. For personalized support, we encourage you to connect with Thimbleberry Financial, below. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- ⭐️ Open a Bond Account on Public to lock in your 6% or higher yield today, Click Here! ---
Brent chats with Ryan Halvorson about how to make smart moves with equity compensation. They talk about different kinds of equity compensation, from RSUs, stock options, to deferred compensation. They then explain what issues to watch out for and how to make smart decisions from a financial planning perspective.
Ever wondered how to navigate retirement planning with both financial security and personal fulfillment in mind?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar and author of How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Christine shares her approach to retirement planning, highlighting strategies like annuities, cash flow management, and balancing time-tested methods with innovative ideas. Gain insights into navigating retirement complexities with an open mind and a strategic outlook.We delve into managing retirement finances, including equity compensation, tax strategies, and post-retirement financial decisions. Christine provides actionable tips on handling restricted stock units (RSUs), Roth conversions, and optimizing portfolios based on risk tolerance and long-term goals. Generational lessons and past market experiences add valuable perspective.Christine also emphasizes balancing financial planning with personal fulfillment. Inspired by real-life stories, we discuss aligning work with passions, transitioning gradually into retirement, and making intentional choices for a meaningful future.Listen and Learn:Holistic Retirement Planning: Key strategies like annuities and cash flow management for financial stability.Smart Tax and Investment Moves: Tips on RSUs, Roth conversions, and portfolio optimization.Generational Insights: Lessons from past market downturns and diverse viewpoints.Purposeful Living: Align financial plans with personal passions for a fulfilling retirement.Join us for practical advice and inspiration to help you create a secure and meaningful retirement. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
In this episode of Techie Personal Finance Bootcamp, we explore the real value of bonuses, raises, and stock options with a focus on how taxes can greatly diminish their apparent worth. We delve into examples to reveal the true post-tax income you can expect. Additionally, we highlight common mistakes like lifestyle inflation and poor financial planning that can lead to overspending and emphasize the importance of intentional money management and the impact of taxation on financial decisions.
Thinking about hiring a financial advisor? It could be a great decision—if you know how to evaluate them. Get my free worksheet to follow a proven process and avoid common mistakes. ----- Navigating equity compensation can be tricky, especially when the year-end tax clock is ticking. In this episode, Ally Jane Ayers, a leading expert in the complex world of equity compensation, shares tax-smart strategies to optimize your stock options, RSUs, and equity packages. Whether you hold RSUs, ISOs, or stock options at a private company, Ally's insights will help you tackle tricky tax issues, reduce over-concentration risks, and align your equity with your financial goals. Listen now and learn: Key tax considerations for equity compensation before December 31. How to avoid costly under-withholding on RSUs. Advanced strategies to diversify concentrated stock positions and preserve gains. The power of 10b5-1 plans for stress-free stock selling. Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. [00:37] Key Tax Considerations for Year-End Stock Compensation Planning [03:54] The Importance of Multiyear Equity Planning [09:24] Exercising Stock Options at Private Companies [14:10] Managing Risk with Equity Compensation [22:27] Advanced Strategies for Managing Mixed Equity Packages [25:38] Creative Ways to Preserve Gains and Minimize Taxes [32:49] Leveraging 10b5-1 Plans for Stress-Free Selling [34:56] Final Tips for Equity Compensation Holders
Matt Cohen and John Ruffolo discuss John's OpEd on building a prosperity agenda for Canada, becoming a better ally to the US, the announcement of the Sovereign AI fund, and key developments in venture capital, including ServiceTitan's IPO challenges and the implications of recent lawsuits against OpenAI.(01:13) Canada's Prosperity Agenda and Economic PrioritiesJohn Ruffolo delves into his op-ed advocating for federal government spending reforms, tax system simplification, and fostering innovation to secure Canada's future prosperity.* Key Points:* Canada must address federal debt, currently projected at $1.4 trillion.* Simplifying and aligning taxes with U.S. competitiveness could enhance productivity.* Innovation requires leveraging Canada's relationship with the U.S. in energy, minerals, and defense strategies.* John's Insight: “Canada's size means we must strategically use our strengths to negotiate with global powers, especially the U.S.”(06:14) Friend-Shoring: A Strategic Opportunity for CanadaMatt and John discuss the concept of “friend-shoring,” where allied nations reshape supply chains to reduce reliance on adversarial countries like China.* Definition: Using partnerships to onshore critical technologies and manufacturing.* Canada's Role: Access to minerals, energy, and a coordinated defense strategy make Canada an ideal partner for the U.S.* John's Take: “Canada's future will be closely tied to the U.S. This is a chance to secure innovation access and consumer market integration.”(12:35) Canada's AI Sovereignty StrategyThe federal government unveiled its $2 billion AI Sovereign Compute Strategy to enhance AI infrastructure across Canada.* Allocation Highlights:* $1 billion for public computing infrastructure.* $700 million for private sector and academia collaborations.* $300 million for affordable AI compute access for small businesses.* Criticism: Concerns about execution and whether funds should directly support existing private solutions like AWS or Google Cloud.* John's Perspective: “Supporting infrastructure is crucial, but tax credits for private spending might have been a better approach.”(18:02) OpenAI Faces Canadian Copyright LawsuitsMajor Canadian media organizations filed a lawsuit against OpenAI, claiming their content was used without permission for AI training.* Details: Plaintiffs include CBC, Globe and Mail, and Postmedia, seeking $20,000 per infringed work.* Implications: Rising copyright costs could fundamentally alter large language model economics.* John's View: “This highlights the need for a framework to balance creator rights and AI development.”(21:45) ServiceTitan's IPO ChallengesServiceTitan's IPO faces scrutiny due to its compounding ratchet clause, which dilutes employee ownership.* Background: IPO valuation set between $52-$57 per share, well below prior funding rounds.* Key Impact:* Employees face tax consequences on overvalued RSUs.* Preferred investors benefit from a 1x preference redemption and additional shares.* John's Take: “The lack of valuation adjustments in prior rounds leaves employees holding the bag. This is a cautionary tale for structuring future investments.”(28:19) Legacy VC Exits and Emerging Manager StrugglesBrian Singerman, a Founders Fund partner, transitions to partner emeritus, reflecting challenges in the current VC landscape.* Key Observations:* Spinout managers face difficulty raising funds amid institutional risk aversion.* Established partners are stepping back due to tougher market conditions.* John's Insight: “VC investing is hard work. The market is returning to normalcy after years of overfunding during the zero-interest era.”Follow Matt Cohen and Tank Talks here!Podcast production support provided by Agentbee.ai This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com
This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the topic of Restricted Stock Unit (RSU) income and how it may be used towards mortgage qualification. We delve into the definitions, guidelines, and calculation methods used by Fannie Mae and Freddie Mac for this increasingly common form of compensation. We discuss:What are Restricted Stock Units (RSUs) and how do they work?Fannie Mae and Freddie Mac guidelines for using RSU income in mortgage qualificationDifferences between performance-based and time-based RSU vestingDocumentation requirements for RSU income verificationScenarios demonstrating RSU income calculations under different guidelinesResourcesFannie Mae Selling Guide - B3-3.1-09, Other Sources of Income - Restricted Stock Units and Restricted Stock Employment IncomeFannie Mae Selling Guide - B3-3.1-01, General Income Information - Continuity of IncomeFreddie Mac Seller/Servicer Guide - 5303.1, Employed incomeStockopedia - 200 day Moving AverageSign up for Radian National Training Updates© 2024 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.
On episode 152 of Ask The Compound, Ben Carlson and Duncan Hill are joined by RWM CFO and Tax Specialist Bill Sweet to discuss parameters to follow when using a brokerage account, optimizing taxable and non-taxable assets, selling RSUs vs using a HELOC for home improvements, investing in precious metals, and much more! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! Thanks to Rocket Money for sponsoring this episode! Visit: http://rocketmoney.com/atc and cancel your unwanted subscriptions today! Ask The Compound Survey: https://www.surveymonkey.com/r/ZHCP3CR Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! https://www.thecompoundnews.com/subscribe If you're a financial advisor, sign up for advisor-focused content at: https://www.advisorunlock.com/
Quint and Daniel talk about Restricted Stock Units and how different company stock plans can play into your financial plan.
ames responds to a question from Chris regarding restricted stock units (RSUs) and how to avoid costly mistakes when managing them. He explores whether it's wise to hold onto company stock or diversify for a safer financial future. He breaks down how RSUs work, from vesting schedules to the tax implications of receiving stock as part of your compensation package. He also explains the critical considerations you should make when deciding whether to hold or sell vested shares and how this decision fits into your broader investment strategy. Questions answered:Should I hold onto or sell my vested RSUs?What are the tax implications of RSUs, and how can I avoid mistakes?Submit your request to join James: On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply Here Timestamps:0:00 - How RSUs work 4:24 - Like a cash bonus7:17 - Question your performance assumptions12:25 - How RSUs are taxed and paid15:14 - Default withholding rate and wash sale rulesCreate Your Custom Strategy ⬇️ Get Started Here.
Josh Radman joins us today to discuss a little discussed topic on Money Tree Podcast: Decoding RSU, ISO and NQ SOs. He also shares how government programs and how they impact our labor market. He shares an example from local Broogers, which struggled to find staff and often received resumes from unemployable candidates. Josh also touches on how employment data has been revised to show many jobs are part-time or within the government, driven by new regulations. Shifting gears, Josh explores the idea that large AI models, like ChatGPT, might be throttled to prevent them from predicting the future, potentially disrupting markets. He also highlights the critical need for clean, reliable data for AI to function properly, as current government data is often inaccurate or manipulated. Today we discuss... Josh Radman shares his background, from General Mills to tech companies like Walmart e-commerce, where he encountered confusion around equity compensation. How his frustration with understanding ISOs, RSUs, and NSOs led him to found Presidio Advisors, a firm focused on helping millennials with equity compensation. He emphasizes the importance of balancing tax considerations with investment risk and prioritizing financial goals. Radman discusses regret minimization as a tool for decision-making, helping clients navigate the risks of equity compensation. Companies often fail to educate employees about equity compensation due to legal concerns, leaving employees to navigate complex tax and financial decisions. The complexity of ISOs, NSOs, and RSUs requires advanced planning and understanding, especially when managing liquidity events like IPOs. How long-term capital gains tax rates are preferable (0%, 15%, or 20%) compared to ordinary income tax rates (up to 37%). Employees often face a limited post-termination exercise period (typically three months) to exercise stock options after leaving a company. It's important to assess short-term, mid-term, and long-term cash needs when considering exercising stock options. Restricted Stock Units (RSUs) are taxed as ordinary income upon vesting without requiring cash outlay to exercise. A common misconception is that you must hold RSUs for a year to achieve optimal tax treatment; this is not necessary. Employees often underestimate total exposure to their company's stock due to both explicit and implicit risks. Cognitive biases, such as the endowment effect, can lead individuals to overvalue their RSUs and resist selling. Market returns are skewed, with a small number of companies generating significant returns; diversification is essential to mitigate risk. For more information, visit the show notes at https://moneytreepodcast.com/decoding-rsu-iso-nqso-josh-radman-648 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast
0:00 Intro 1:04 Importance of Optimizing Your Stock Compensation 1:52 Topic 1: Employee Stock Purchase Plans (ESPPs) 7:35 Topic 2: Restricted Stock Units (RSUs) 11:06 Topic 3: Stock Options Does your benefits plan at work include equity (stock) compensation? If so, there are a lot of nuances and techniques about how best to take advantage of these plans, which can have a large impact on your ability to grow your family's wealth. There are three main forms of employee stock compensation: (1) Employee Stock Purchase Plans (ESPPs) |(2) Restricted Stock Units (RSUs) (3) Stock Options Each carries its own intricacies and your HR department is unlikely to be able to give you advice on how best to manage these benefits. In the latest Fundamentals of Investing series, CEO Noland Langford gives you a crash course on how these benefit plans work and some of the techniques he has used for clients over the years. Helping clients manage these crucial investment decisions has been a specialty of Left Brain since the firm's founding in 2014. We want to stress that going it alone in managing your stock compensation package could cost you a significant amount of money in the long run, both in taxes and in investment losses. If you are looking for guidance, we would urge you to contact Brian Dress using the information below to set up an initial consultation. Get on Brian's calendar directly to discuss a plan for Building, Growing, and Preserving Your Wealth as you make the most of your employee benefit package. You can call Brian Dress at (630) 547-3316 or email at briand@leftbrainwm.com To check out our website, head over to https://leftbrainwm.com/ DISCLAIMER: This report contains views and opinions which, by their very nature, are subject to uncertainty and involve inherent risks. Predictions or forecasts, described or implied, may prove to be wrong and are subject to change without notice. All expressions of opinion included herein are subject to change without notice. Predictions or forecasts described or implied are forward-looking statements based on certain assumptions which may prove to be wrong and/or other events which were not taken into account may occur. Any predictions, forecasts, outlooks, opinions, or assumptions should not be construed to be indicative of the actual events which will occur. Investing involves risk, including the possible loss of principal. The opinions and data in this report have been obtained from sources believed to be reliable; neither Left Brain nor its affiliates warrant the accuracy or completeness of such and accept no liability for any direct or consequential losses arising from its use. In addition, please note that Left Brain, including its principals, employees, agents, affiliates, and advisory clients, may have positions in one or more of the securities discussed in this communication. Please note that Left Brain, including its principals, employees, agents, affiliates, and advisory clients may take positions or effect transactions contrary to the views expressed in this communication based upon individual or firm circumstances. Any decision to effect transactions in the securities discussed within this communication should be balanced against the potential conflict of interest that Left Brain, its principals, employees, agents, affiliates, and advisory clients has by virtue of its investment in one or more of these securities. Past performance is not indicative of future performance. The price of securities can and will fluctuate, and any individual security may become worthless. A high or favorable rating, rating outlook, gauge, or similar opinion is not indicative of future performance, and no user should rely on any such rating, rating outlook, gauge, or similar opinion to predict performance or potential for return. Future performance may not equal projected or forecasted performance or potential for return. All ratings and related analysis, as well as data, statistics, analysis, and opinions contained herein are solely statements of opinion and are not statements of fact or recommendations to purchase, hold, or sell any security or make any other investment decisions. This report may contain “forward-looking” information that is not purely historical in nature. Such information may include, among other things, projections, and forecasts. There is no guarantee that any forecasts made will materialize. Reliance upon information herein is at the sole discretion of the reader. THE REPORT IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND.
Check out our past deals, future ones, and join our community: https://thewealthelevator.com/club/Understanding RSUs and ISOs: Expert Insights for Tech Startup EmployeesIn today's podcast, we bring on an expert to discuss Restricted Stock Units (RSUs) and Incentive Stock Options (ISOs) for those in tech startups. We delve into the impact of the September 13 end of corporate stock buybacks on tech stocks and what it could mean for your investments. With interest rates dropping, now might be a crucial time to reconsider putting more money into the stock market. Additionally, we discuss the potential benefits of diversifying out of traditional investments and explore opportunities in real estate syndications. Join our live webinar this Thursday for more exclusive insights, and don't forget to visit thewealthelevator.com/club for access to special events and to book your onboarding call.00:00 Introduction to RSUs and ISOs in Tech Startups00:23 Impact of Corporate Stock Buybacks Ending00:49 Market Implications and Investment Advice00:59 Diversifying Investments and Financial Planning01:16 Upcoming Events and Opportunities Hosted on Acast. See acast.com/privacy for more information.
#530: We sit down with financial educator Brian Feroldi to dive into the often-overlooked world of stock-based compensation. This form of compensation is becoming more common, especially in large companies, but many employees don't fully understand how to make the most of it. Brian helps break down the basics, explaining what stock-based compensation is and why companies use it to attract and retain employees. We start by discussing why companies offer stock options or restricted stock units (RSUs) instead of just higher salaries or bonuses. Brian explains that stock-based compensation is a way for companies to align your interests with the success of the business. When you own a piece of the company, you're more likely to care about its performance, which can drive you to work harder and stay longer. This also allows companies to conserve cash while still offering competitive compensation packages. Brian also highlights the importance of understanding the different types of stock-based compensation. He breaks down stock options, where you have the right to buy company stock at a set price, and RSUs, where you're given shares of stock that vest over time. Each has its pros and cons, and understanding these differences can help you make better decisions about your compensation. One of the key takeaways from our discussion is the importance of negotiation. Brian emphasizes that the best time to negotiate stock-based compensation is when you're first hired. Companies often have more flexibility with stock options than with salary, so it's crucial to ask for more stock or a shorter vesting period upfront. This can make a big difference in your long-term financial gains, especially if the company's stock value increases over time. We also touch on the tax implications of stock-based compensation. Brian explains that different types of stock options are taxed differently, and understanding these tax rules can help you minimize your tax bill. For instance, holding onto stock after exercising options can lead to lower taxes if the stock price rises and you qualify for long-term capital gains. Throughout the interview, Brian shares practical tips for you, such as targeting companies in industries like technology and healthcare that are known for generous stock-based compensation packages. He advises you to educate yourself on your company's specific policies and to be proactive in managing your stock options to avoid leaving money on the table. By the end of the episode, you'll have a clearer understanding of stock-based compensation and how to leverage it to build wealth. Brian's insights are particularly valuable if you're switching jobs and want to maximize your compensation package. Resource Mentioned: Finchat.io For more information, visit the show notes at https://affordanything.com/episode530 Timestamps: Note: Timestamps will vary on individual devices based on dynamic advertising run times. 2:16 - Explain why companies offer stock compensation over salaries 4:00 - Discuss how stock compensation aligns employee and company goals 7:28 - Introduce types of stock compensation: stock options vs. RSUs 12:24 - Explain the significance of vesting schedules 17:00 - Discuss tax implications of stock options and RSUs 28:00 - Emphasize the long-term impact of stock-based compensation on financial independence 34:00 - Identify industries with high stock compensation, like tech and healthcare 40:00 - Discuss benefits of Employee Stock Purchase Plans (ESPPs) Learn more about your ad choices. Visit podcastchoices.com/adchoices
URL: https://www.lpfadvisors.com/ Episode Summary: The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations. Collin Habig, a certified financial planner with LPF Financial Advisors, specializes in Moderna stock options and RSU planning. He emphasizes the importance of aligning stock option and RSU decisions with clients' values and long-term goals, providing expert guidance on equity selection, awards vesting, and strategic financial planning. Habig explains that stock options and RSUs are both long-term incentive plans, with stock options allowing employees to buy shares at a fixed price and RSUs being performance-based awards. He stresses the necessity of making these decisions based on financial goals rather than emotions, highlighting the need for a balanced financial plan to avoid common pitfalls and achieve long-term financial security. Here's what to expect this episode: Understanding the differences between stock options and RSUs is crucial for informed decision-making. Stock options and RSUs vest over time, with exercise prices and tax implications playing key roles. Tax implications for stock options and RSUs differ, affecting financial planning and outcomes. Retirement planning is essential, and advisors like LPF specialize in guiding clients through stock options and RSU planning. Connect with Collin Habig https://www.linkedin.com/in/collinhabig/ Connect with Kris Flammang https://www.lpfadvisors.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations” In this workshop titled "Smart 401K Decisions" for Moderna employees, Kris Flammang and Collin Habig of LPF Advisors provided a comprehensive overview of Moderna's 401K plan. They began by explaining eligibility and contribution guidelines, including age and service requirements, company match details, and the options for Roth 401K contributions. They discussed the importance of diversifying investments, utilizing target date funds, and the flexibility within the plan. The session covered distribution options upon retirement or changing jobs, potential tax implications, and ways to avoid penalties. Common mistakes, such as failing to update beneficiaries or not maximizing contributions, were highlighted. The workshop emphasized the importance of aligning 401K strategies with overall financial goals and offered further resources and personal consultations to help employees optimize their retirement planning. The advisors encouraged participants to take advantage of auto-escalation features and consider a comprehensive approach that includes stock options and RSUs. They concluded by inviting attendees to contact them for personalized advice and future workshops on related topics. Takeaways Understanding Eligibility and Contributions: Employees become eligible for the Moderna 401K plan at 21 with one month of service. Contributions can be adjusted anytime, and setting an auto-increase is recommended for better savings. Maximizing Company Match and Roth 401K Options: To maximize the company match, employees should contribute at least 6% of their eligible earnings. High-income earners can benefit from the Roth 401K option, which allows for tax-free withdrawals in retirement. Diversifying Investments: The plan offers various investment options, including target date funds and individual funds, emphasizing the importance of diversification and matching investments to one's risk tolerance and time horizon. Distribution Options and Tax Implications: Upon retirement or changing jobs, employees have several distribution options, including lump sum withdrawals and direct rollovers to IRAs. They should be aware of tax implications and potential penalties for early withdrawals. Avoiding Common Mistakes: Listeners are reminded to regularly update their beneficiaries, increase contributions as income rises, and ensure their investments align with their risk tolerance and retirement timeline to avoid common mistakes in managing their 401K. Connect with Kris Flammang: (5) Kristopher Flammang CRPC®AIF®BFA® | LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices
Many people begin to accrue different forms of equity compensation as they progress in their careers, yet these forms of compensation are much more complicated than simple paychecks and cash bonuses. In this episode, we aim to educate broadly on the different ways equity compensation can be structured, describe how to most efficiently leverage these offerings, and share common mistakes and pitfalls with equity comp that can be avoided.Contact: Ben@abundancewm.comWebsite: Abundance Wealth ManagementShow music: Can We Go by The Violet NinesDISCLAIMERThe discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast.You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented in this podcast without undertaking independent due diligence and consultation with a professional wealth management advisor. You understand that you are using all information available on or through this podcast at your own risk. Hosted on Acast. See acast.com/privacy for more information.
In this episode, Alex, Wade and Rob answer listener questions about retirement planning. They discuss topics such as asset allocation, selling RSUs, managing sequencing risk, and when to claim Social Security. They provide insights on diversification, tax implications, and the importance of considering both sequence risk and concentration risk. They also suggest strategies like creating a bond ladder and using IRA distributions to bridge the income gap. The episode ends with a plan to continue answering more listener questions in the next episode. Listen now to learn more! Takeaways Consider the risks and benefits of holding concentrated positions, such as RSUs, in your portfolio Evaluate the tax implications of selling RSUs and consider the potential benefits of diversification Use Social Security claiming software to determine the optimal claiming strategy for both spouses Explore strategies like bond ladders and IRA distributions to bridge income gaps in retirement Balance the preservation of principal with the need for growth and income in your retirement portfolio Chapters 00:00 Introduction and Q&A Format 05:42 Managing Concentrated Positions and Sequencing Risk 27:43 Creating a Bond Ladder to Bridge Income Gaps 29:54 Using IRA Distributions to Manage Tax Liability 35:23 Balancing Preservation of Principal with Growth and Income Links The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
In this final episode of our six-part series for tech professionals, we focus on tying together the various aspects of equity compensation. We recap the key points discussed in previous episodes, including ESPPs, RSUs, ISOs, and NQSOs, emphasizing the importance of strategic management to leverage these tools effectively.We discuss the common pitfalls tech professionals encounter when managing equity compensation on their own, such as significant tax bills from incorrectly selling ISOs and inadequate diversification. Holding onto stock with the hope of future gains, only to see the stock price plummet, is a recurring issue. We stress the importance of understanding the tax implications and maintaining a diversified portfolio to mitigate risks associated with over-concentration in company stock.Amy highlights that while tech professionals are experts in their fields, they often lack expertise in financial planning, underscoring the value of consulting financial advisors. Using tools like Excel and calendar apps to track vesting schedules and exercise options can help, but disciplined execution is crucial. We recommend leveraging digital tools to manage equity compensation effectively, but also emphasize the importance of human expertise.Work-life balance is another critical topic. We advise setting boundaries and scheduling dedicated time for financial planning to prevent it from overwhelming personal life. For instance, Amy shares how she and her husband hold regular meetings to discuss financial matters, integrating this practice into their routine to ensure it doesn't interfere with family time.Lastly, we encourage tech professionals to balance their involvement in financial planning with delegation to trusted advisors. Staying informed and asking questions about their equity compensation strategies ensures they understand and agree with the advice they receive. We suggest working with advisors who specialize in tech and behavioral finance to align financial strategies with personal goals and risk tolerance.In conclusion, effectively managing equity compensation requires a blend of personal involvement and professional advice. By staying organized, disciplined, and informed, tech professionals can maximize their financial opportunities while maintaining a healthy work-life balance To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.
Today's conversation focuses on building scalable hiring processes as your org grows and creating systems that promote operational excellence, featuring Stephen Poletto, CTO @ Lattice. He shares examples of how they introduced & scaled their hiring processes to better articulate employee value propositions, implement experience differentiators, and created hiring rubrics & loop documentation. Stephen also reveals strategies for defining what operational excellence looks like within your org, how certain rituals impact company psychology / behavior, and steps for ending & replacing rituals that are no longer working. Additionally, we dissect frameworks for adding incentives within your eng org that improve organizational impact – and how to avoid bad incentives.ABOUT STEPHEN POLETTOStephen Poletto is the Chief Technology Officer at Lattice, where he leads the company's product development, and where he scaled the engineering team from 20 to 150 team members. Stephen began his career at Apple before spending eight years building and growing technical teams at Dropbox. Stephen has had the opportunity to incubate new products such as Dropbox Carousel and Dropbox Paper, and also work on at-scale products such as the Dropbox mobile app and Dropbox's platform infrastructure. Stephen lives in San Francisco. In the winter, you can find him snowboarding in the mountains."Even very simple things like a candidate's been in back to back interviews. You hop on. 'Hey, how are you? Do you need a five minute break?' We would train interviewers on some of those tactics, right? At the beginning of the call, set the agenda. ‘We're going to spend this amount of time on these topics. We're going to spend this amount of time to give you space to ask questions of me.' Now the candidate knows what to expect. They're put at ease. It's simple stuff but it really colors the way that people feel about the interview itself. What kind of feeling do they have about the company coming out of it?”- Stephen Poletto Join us at ELC Annual 2024!ELC Annual is our 2 day conference bringing together engineering leaders from around the world for a unique experience help you expand your network and empower your leadership & career growth.Don't miss out on this incredible opportunity to expand your network, gain actionable insights, ignite new ideas, recharge, and accelerate your leadership journey!Secure your ticket at sfelc.com/annual2024And use the exclusive discount code "podcast10" (all lowercase) for a 10% discountSHOW NOTES:Stephen's primary goal when he first joined Lattice (3:15)Steps for building out a systematic & repeatable hiring process (5:51)Defining & articulating employee value propositions during the hiring process (8:00)Strategies for presenting company culture via hiring / onboarding (10:21)Hiring experience differentiators & how to make them the norm (13:27)Training the engineering team on how to effectively hire (16:53)Stephen's process for creating a hiring rubric & loop documentation (20:06)How hiring systems can be tweaked / evaluating current hiring needs (22:20)Identifying what operational excellence means for your org (24:22)Rituals / dilemmas to focus on that influence psychology & behavior (26:13)Examples of ending & replacing processes / operations (29:58)Signals that a ritual is no longer serving your needs (32:12)Frameworks for applying incentives / rewards within an eng org (34:57)Navigating the balance between output vs. input (38:57)First steps toward better organizational impact & avoiding bad incentives (41:07)Rapid fire questions (43:37)LINKS AND RESOURCESProduct-Led AI - Greylock partner and former product builder Seth Rosenberg talks with founders about their inspiration and process to build, test, and continually reimagine how AI and humans work together.The Holloway Guide to Equity Compensation - Stock options, RSUs, job offers, and taxes—a detailed reference, including hundreds of resources, explained from the ground up, for both employees and managers.Steve Bartel's blog - Steve Bartel is the co-founder and CEO of Gem. Prior to founding Gem, Steve was an engineering leader at Dropbox where his experience working closely with the recruiting process allowed him to see the lack of technology in the space. This inspired him to co-found Gem, which allows recruiting teams of all sizes to source talent, engage with talent, and use data to improve recruiting processes.This episode wouldn't have been possible without the help of our incredible production team:Patrick Gallagher - Producer & Co-HostJerry Li - Co-HostNoah Olberding - Associate Producer, Audio & Video Editor https://www.linkedin.com/in/noah-olberding/Dan Overheim - Audio Engineer, Dan's also an avid 3D printer - https://www.bnd3d.com/Ellie Coggins Angus - Copywriter, Check out her other work at https://elliecoggins.com/about/
On episode 125 of Ask The Compound, Ben Carlson and Duncan Hill are joined by RWM Advisor and CFP, Nick Sapienza to discuss optimizing the financials around a new-home build, if private equity is driving up housing prices, tax planning around RSUs, considerations to think about when hiring a financial advisor, and much more! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! Thanks to RocketMoney for sponsoring this episode! Visit: https://www.rocketmoney.com/atc and cancel your unwanted subscriptions today! Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! https://www.thecompoundnews.com/subscribe
W-2 jobs don't often get a ton of love in the financial independence space. However, we'd argue it's the most likely path for the largest percentage of people. Especially when you learn how to really squeeze all the value out of that career. Brian Feroldi joins us to discuss just how to do that. Specifically how to leverage Stock-Based Compensation (SBC). It's possible that the stock your company gives you makes you more money than your entire salary. But it can be a nuanced subject with terms like Options, RSUs, vesting period, etc Make no mistake, the golden handcuffs get their name honestly. This compensation is a tactic to hold onto the best and give you a big reason to stick around just one more year (then one more...) It also aligns you and the business to the same overall goal via incentives. That goal is to maximize profits because if the company wins, you also win. You may have been curious about Stock-based Compensation or maybe you're already in this world but need more clarity. Either way, this episode will answer all those burning questions and show you how to maximize every last drop of your W-2 job. If you found this episode helpful, please share it with a friend! Links from The Episode Brian's YouTube Brian's X (aka Twitter) Brian's Instagram Brian's Website YouTube Interview https://youtu.be/KNd7r1uJD7I Join the Community We'd love to hear your comments and questions about this week's episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Grab the Ultimate FI Spreadsheet Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please subscribe and leave a rating/review! >> You can do that by clicking here
(0:00) Intro.(1:17) About the podcast sponsor: The American College of Governance Counsel.(2:03) Start of interview.(3:08) Greg's "origin story." (6:53) From the University of Georgia to Apple in Cuppertino.(10:50) The start of his entrepreneurial journey in 1992 with his first company.(13:03) The boom and bust cyclical nature of Silicon Valley. "[M]y father used to say that the stock market has predicted nine of the last three recessions. And, you know, I think in Silicon Valley, the investor and entrepreneurial class has predicted nine of the last three technology waves."(17:24) His first foray with startup boards. The role and influence of Don Lucas, and Bob Frick (former CFO of BoA), on his board.(21:49) On the shifting power dynamics in founder-investor relationships (ascendance of "founder ethos").(29:02) On the differences between private equity (PE) and venture capital (VC). "Control investors"(31:29) His experience as a director of public companies: Responsys, acquired by Oracle (2013), and Upwork (IPO in 2018).(34:57) On equity comp (stock options and RSUs) in tech companies. *Reference to BG2 podcast episode.(47:35) IPOs, private markets and secondary markets. *You can check out my newsletter #52 on this topic.(54:24) On his investment in Cornershop (acquired by Uber) and Latin America market.(1:00:58) On AI as the next technology platform shift.(1:03:50) Books that have greatly influenced his life: Titan: The Life of John D. Rockefeller, by Ron Chernow (1998)Thinking Fast and Slow, by Daniel Kahneman (2011)Black Boy, by Richard Wright (1945)(1:05:36) His mentors.(1:07:00) Quotes that he thinks of often or lives her life by: "Experience is what you get when you don't get what you want."(1:07:47) An unusual habit or absurd thing that he loves.(1:08:28) The living person he most admires.Greg Gretsch is a Founding Partner and Managing Director of Jackson Square Ventures, an early stage venture capital firm that invests in software businesses. You can follow Evan on social media at:Twitter: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__You can join as a Patron of the Boardroom Governance Podcast at:Patreon: patreon.com/BoardroomGovernancePod__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License
I get this one a lot. "Coach, I'm getting stock [or RSUs, ISOs, PIUs, Phantom, etc. etc.] as part of my compensation package. How do I value this? How do I gauge what the right amount is?" FYI…that's Restricted Stock Units, Incentive Stock Options, Profit Interest Units, Phantom Stock (yes, it's a thing) and several other variations of stock-ish type compensation. Well, like just about everything everybody ever asks me, this comes down to a number of considerations and what's important to you. There is no cookie-cutter formula however, I'm never at a loss for ways to help you consider your options (see what I did right there?). Join me today for What to Know About Startup Equity When Negotiating Your Job Offer! If you'd like to build a great career and lead a rewarding life, check out some of these other places where I share my teachings: 1. Check out the milewalk Academy, my coaching and training site, for freemiums and premiums. 2. I have hundreds of educational and inspirational videos on my YouTube Channel. 3. Grab any of my three books related to interviewing, hiring, and goal setting. All can be found on my Amazon Author Page. 4. Follow me on Instagram, LinkedIn, Twitter (X), TikTok, Threads, and Facebook. 5. Stay in touch with me in your email inbox by joining my newsletter here! --Andy
“HR Heretics†| How CPOs, CHROs, Founders, and Boards Build High Performing Companies
In this episode of HR Heretics, Nolan and Kelli chat all things “data from Carta” with Peter Walker, Head of Insights and Data Storytelling at Carta.They discuss Carta's comprehensive report on startup compensation trends in H2 of 2023 influencing the flow of “dry powder” and the alarming increase in startup shutdowns. Peter proves VC's will have less leeway in 2024 to throw good money after bad forecasting an even tougher year ahead.The team also discuss honesty in HR around equity structures, including liquidation preferences, and Peter offers advice for job candidates on evaluating startup offers with an investor's mindset. HR Heretics is a podcast from Turpentine.Share this with your friends, forward to your enemies. Hit subscribe now.This episode is brought to you by AttioAttio is the next generation of CRM. It's powerful, flexible and easily configures to the unique way your startup runs, whatever your go-to-market motion. The next era deserves a better CRM. Join OpenAI, Replicate, ElevenLabs and more at https://bit.ly/AttioHRHereticsKEEP UP WITH PETER, NOLAN, + KELLI ON LINKEDINPeter: https://www.linkedin.com/in/peterjameswalker/Nolan: https://www.linkedin.com/in/nolan-church/Kelli: https://www.linkedin.com/in/kellidragovich/TIMESTAMPS:(00:00) Intro: Peter Walker and Startup Compensation Trends(00:39) VC in 2023: Dry Powder and Capital Deployment(03:02) 2023's Investment Distribution: Early vs. Late Stage(07:43) Startup Shutdowns and Future Predictions(11.13) Sponsor Ad: Attio CRM(12:09) The M&A Market for Startups(15:05) The Impact of the Economic Shift on Startup Hiring and Industry Trends(21:59) Job Offers in Today's Market(22.30) Valuations and Equity in Job Negotiations(24:07) Key Questions Candidates Should Ask About Equity(25:34) Understanding Equity and Liquidation Preferences(27:59) Transparency in Startup Equity(30:17) Educational Resources and Support for Job Candidates(34:22) Options vs. RSUs in Late-Stage Companies(37:35) Startup Compensation(41:21) The Equity Dilemma: Exercising Options and Market Realities(42:32) Post termination Exercise Window(43:49) Wrap This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hrheretics.substack.com
© 2020-2025 Ivy Podcast Discovery LLC
