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Daniel Zajac

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Investing, Early Retirement/FIRE
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Exton, Pennsylvania, United States
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Latest Blog Posts

Incentive stock options are a form of employee compensation that allow you to participate in the appreciating value of a company stock price. Much like their non-qualified stock option cousins, incentive stock options, or ISOs, allow for the purchase of a stock at a predetermined share price. If the current share price of the stock […] ...
Posted: Oct 30 2018 @ 10:15 AM
Some companies offer employee stock grants as part of a compensation package to help attract, retain, and reward key employees. Both the business and the employee share the hope that the stock price of the company will increase over time, which in turn can increase the success of the business and increase the wealth of […] ...
Posted: Oct 23 2018 @ 10:15 AM
Finding the best time and best strategy to exercise incentive stock options is difficult. Competing considerations on income tax, investment planning, and financial planning make it difficult to address the best time to exercise incentive stock options (ISOs) with a blanket answer. Some strategies suggest that exercising early may be a good idea, because this […] ...
Posted: Oct 16 2018 @ 10:15 AM
There are many reasons to exercise your employee stock options: a pending retirement that might require re-allocating assets; an approaching expiration date that warrants a “use it or lose it decision; a strategic exercise plan that integrates tax and financial planning. Coming up with “why” you might want to do a cash or cashless exercise […] ...
Posted: Oct 02 2018 @ 10:15 AM
When dealing with employee stock options, the conversation usually centers around issues of income tax and investment risk. We talk about taxes because the amount of tax you pay has an impact on how much money you actually receive when you finally sell your shares. The issue of how much tax you owe depends on […] ...
Posted: Sep 25 2018 @ 10:15 AM
Retirement planning is often summed up into a single question: How much money do I need to retire? Unfortunately, this question leaves many well-intentioned retirees far short of the actual goal. While understanding how much your retirement may cost, it’s just one part of a complete, sound retirement plan. That plan should be the real […] ...
Posted: Sep 19 2018 @ 10:15 AM
There is no easy way around it, employee stock options are complicated. And depending on the type of stock options you have, how many you have, other types of employee stock options you own — along with all your other specific financial planning needs — understanding what to do with your employee stock options can […] ...
Posted: Sep 11 2018 @ 10:15 AM
When you exercise and hold incentive stock options, it’s very possible that you will be subject to the alternative minimum tax (AMT). This part of the tax code gets complex, making it difficult to understand. One way to think of the AMT is a pre-payment of income tax on exercised incentive stock options — but […] ...
Posted: Aug 28 2018 @ 10:15 AM
Not all stock options are created equal. Although things like employee stock options or restricted stock may sound similar, the rules around each get complicated — and fast. Everything from when you exercise, how you exercise, and what type of vehicle you own impacts the after-tax amount you receive (and when you receive it). Not […] ...
Posted: Aug 21 2018 @ 10:15 AM
Restricted stock and restricted stock units (RSUs) are both commonly-used tools to attract and retain employees. While similar in feel, restricted stock and restricted stock units are technically different instruments, the details of which goes beyond the scope of this article. Both restricted stock and RSUs allow employees to potentially benefit financially if they meet […] ...
Posted: Aug 14 2018 @ 10:15 AM


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