Shows
Weird FinanceHow to Think Like a Financial Planner with Cristina Livadary and Stephanie BuckoStay in touch and sign up for Paco’s weekly email newsletter, The Nerdletter. In this episode of Weird Finance, host Paco de Leon, along with Stephanie Bucko and Cristina Livadary from Mana Financial Life Design (@manafld), dive into the essentials of thinking like a financial planner. They discuss targeting clients with growth mindsets, particularly those in helping professions and the sandwich generation. Stephanie explains the trade-offs for business owners aiming to keep taxes low versus paying more into Social Security and retirement plans. Christina shares insights on mastering personal finance and emphasizes the importance of understanding fin...2024-07-0856 min
The Mind Money Spectrum Podcast#125. If you have NSOs, you need to listen to this episode.How do you decide when to sell your NSOs?In this episode, Aaron uses the Netflix Employee Stock Option Plan to explain how to decide when to sell NSOs. Just because the stock price has appreciated doesn't mean you should cash out now. Options have both moneyness and time value. Aaron explains leverage to help understand when an option is sufficiently "in-the-money" and a Black-Scholes Calculator to quantify the Time Value. You can then apply an Insight Ratio to determine if you should cash out now or hold on for longer.Episode References2023-05-1659 min
Wicked Pissah PodcastEpisode 133 - Bruce Brumberg, MyStockOptions.comFPA Massachusetts Past Presidents Brad Wright and Jeff Tomaneng are joined by their fellow FPA New England chapter member Bruce Brumberg. Bruce is an expert on equity compensation, a contributor to Forbes, and Co-Founder and Editor-in-Chief of myStockOptions.com - the website devoted to equity compensation topics including basics, taxation, and financial planning. The website covers all types of stock grants: stock options, restricted stock/RSUs, performance shares, SARs, and ESPPs. He shares basics on stock options and non-qualified deferred compensation. https://www.mystockoptions.com/ https://www.linkedin.com/in/bruce-brumberg-89345111/ https://www.for...2022-11-2945 min
The Mind Money Spectrum Podcast#102. Your guide to navigating the equity compensation jungle (inc. ISOs, NSOs, RSUs, & ESPPs).ISOs, NSOs, RSUs, and ESPPs all together.In this episode, Trishul and Aaron discuss alternative forms of employee equity compensation. In addition to ISOs, there are NSOs, RSUs, and ESPPs, and each one comes with different tax implications. Your employer can grant access you any combination of these plans. So then, how do you decide when to exercise and when to sell? You can choose to hold on to everything for the upside. Or you can sell everything as soon as possible to lock in your benefits. But most people end up somewhere in the middle, and...2021-11-2358 min
The Mind Money Spectrum Podcast#100. ISO University: Your guide to navigating ISOs in a pre-IPO company.ISOs in the mid stage of a private company.In this episode, Trishul and Aaron discuss what you should look for when you've been at a private company for a few years. At this point, your ISOs may have climbed in value, so it's quite the balancing act. Not only do you need to factor in future investment risks, but also you need to analyze the impact of AMT. Furthermore, waiting to exercise can create a golden handcuffs scenario, which you want to avoid. Thus, it makes sense to exercise some ISOs each year. But don't exercise...2021-11-091h 02
Martiak Market UpdateEquity Compensation: You've been awarded Stock Options, now what?Have you received stock options as part of your compensation and wondered what's the best way to handle them? Join Mark Martiak and special guest Bruce Brumberg, Editor in Chief and Co-Founder of MyStockOptions.com as they help answer key questions as it relates to equity compensation. -----Connect with MarkTwitter: @premieradvisorFacebook: @premieradvisormmartiakIG: @premieradvisor -----Learn more about Markwww.markmartiak.comLearn more about Brucewww.mystockoptions.com -----Click here to...2021-11-0137 min
Equity Granted: An Executive ChatStock-Based Compensation – A Conversation with myStockOptions.com Editor-in-Chief and Co-Founder Bruce BrumbergAs an executive moves through their career, either within an organization or to others, various forms of stock-based compensation may be acquired. The long-term wealth creation from these various grants may be significant and yet the differences, tax implications, and complexity can be overwhelming. As always, the focus shouldn’t be on short-term rewards, but on the longer-term. The process of comparing different types of long-term incentive grants is one which provides the executive with greater understanding with the purpose of helping with meeting and exceeding their personal financial goals towards achieving peace of mind.2021-07-2735 min
Your Trusted Advisor with Tan Phan, MSFP, CFP®What You Need To Know About Restricted Stock Units (RSUs)Please visit my website for the full video transcript: https://tanphan.com/blog
Connect with me on LinkedIn: https://www.linkedin.com/in/tanmphan
TAN Wealth Management
Recently, I have been contacted by many people about restricted stock units (RSUs) inquiring what they should do before the year-end. For example, if you work at companies like Apple, Intel Corporation, Google, Microsoft, Salesforce, Walmart, Airbnb, Uber, Lyft, etc, they tend to compensate their employees by offering them RSUs as a bonus. I created a comprehensive educational video on this very topic to help people better understand their RSUs and strategies to...2021-06-1800 min
Equity Expert: A Podcast from the NASPPVolunteering: Journey of a Chapter PresidentHear a chapter president's insights on leading a chapter and contributing to his local stock plan community.Host: Jennifer Namazi, Content Director, NASPPGuest: John Barringer, Executive Wealth PlanningAbout our Guest:I’m a CERTIFIED FINANCIAL PLANNER™ with over 30 years of experience in the investment and wealth management industry. I specialize in helping high net worth executives and executives at public companies with investment management, retirement planning and risk management. I am also a contributing editor at MyStockOptions.com, the leading provider of web-based educ...2021-03-0945 min
myStockOptions.com PodcastsmyStockOptions.com Podcast - NEW! Basics Of Financial Planning With Stock Compensation And Company SharesIn this podcast Bruce Brumberg, the editor-in-chief of myStockOptions.com, introduces financial planning for stock compensation and company shares, including common mistakes and how to avoid them, goals-based planning, and how to maximize the value of stock grants and ESPPs. He is interviewed by Kathleen Cleary, the education director of the National Association of Stock Plan Professionals (NASPP). For more advanced financial-planning coverage, see the Financial Planning and Life Events sections of this website.2020-04-0800 minEquity Expert: A Podcast from the NASPPFinancial Planning for EmployeesBruce Brumberg, Editor-in-Chief and co-founder of myStockOptions.com discusses financial planning strategies for employees, helping employees to understand their equity awards and what "financial wellness" means.Support the show2020-01-2225 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - NEW! Your Retirement Plan: How To Integrate Stock CompensationAmong the many ways to amass the wealth you need to fund the retirement you want, your stock compensation can play a major role. In this interview, financial advisor Daniel Zajac explains how combining equity grants with other assets can help you save enough money to fully fund your ideal retirement. The interview is a companion to Mr. Zajac's article on this topic.2019-02-0800 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - How Tax Reform Affects Year-End Planning For Equity Comp And Company SharesEmployees who have stock compensation must consider the tax changes made by the Tax Cuts & Jobs Act. This podcast summarizes how those changes affect year-end planning, along with strategies that apply every year-end.2018-12-1300 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - How Tax Reform Affects Your Stock Compensation And Financial PlanningNEW! In this interview, tax and securities law attorney Arthur Meyers (Choate Hall & Stewart) discusses the key provisions in the Tax Cuts and Jobs Act, the tax reform which took effect in 2018, that affect individual taxation and stock compensation. He covers a range of tax-reform topics, including the changes in the withholding rates, the alternative minimum tax (AMT) provisions, and the new income triggers for the highest rate of long-term capital gains tax. He also explains the new tax-deferral opportunity for stock grants in private companies, plus the end of the performance-based exception to the $1 million corporate tax-deduction limit. The...2018-07-1700 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - The Great Drawdown: How To Optimize Stock-Based Compensation For Retirement PlanningNEW! When retirement is unplanned or taken early, there may be a gap between your retirement date and the qualifying age for retirement-plan distributions and Social Security. To bridge that gap, stock-based compensation can help, but its complexity can be confusing. In this interview, financial advisor Chuck Steege explains how you factor in stock compensation when you sequence cash flows to cover living expenses in retirement. The interview is a companion to Mr. Steege's article on this topic.2017-09-2200 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Divorce: What Happens To My Stock Grants?NEW! When you and your spouse decide to split, your stock grants will probably be divided too. In this interview, divorce attorney Linda Olup explains the treatment of vested and unvested stock grants in divorce, the approaches to valuation used by courts, the division of options in the property settlement, and the way courts regard stock grants as income for consideration in child support and alimony. The interview is a companion to Ms. Olup's article series on this topic.2017-07-1300 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - When To Wait, Hold, Or Sell: A Wealth Manager Reveals His Wisdom On Stock Option Exercise StrategyNEW! When stock options or restricted stock/RSUs vest, you need a strategy to make the most of their wealth-building potential. In this interview, wealth manager Tim Kochis explains that no single strategy for timing option exercises or restricted stock/RSU sales fits everyone, and he discusses his approach to this idiosyncratic type of planning. The interview is a companion to Mr. Kochis's article series on this topic.2017-02-0800 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Restricted Stock Units After An Acquisition: Know What Could HappenNEW! When a company is merging or being acquired, its employees wonder what will happen to their unvested RSUs. In this interview, wealth advisor Kristin McFarland explains the potential outcomes for holders of unvested RSUs and current equity holders in an M&A deal. The interview is a companion to Ms. McFarland's article on this topic.2017-02-0613 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Year-End Tax Planning With Stock CompensationUnderstand the core concepts of year-end tax planning for stock options, restricted stock/RSUs, and company stock. Among other issues, you need to weigh the impact of current tax rates against expected tax reforms. This podcast is a companion to our article series on year-end planning for stock compensation.2016-12-1607 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Stock Option Terms: What You Can ExpectNEW! Get a sense of what you should, and should not, expect in the terms of your stock option grant. In this interview, compensation expert Richard Friedman (Ayco Company) discusses trends in vesting schedules, post-termination exercise rules, and other plan features. The interview is a companion to Mr. Friedman's article on this topic, which includes findings from Ayco's extensive survey of features in stock option plans.2016-10-1809 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Compliance Concerns That Executives Must Understand To Prevent SEC, IRS, And Corporate ProblemsNEW! An often underestimated danger companies face is the risk that an executive or employee may violate corporate, tax, or securities laws. In this interview, compensation expert Richard Friedman (Ayco Company) outlines practices for executives to help them avoid compliance problems, and explains the possible penalties of noncompliance. The interview is a companion to Mr. Friedman's article series on this topic.2016-09-2210 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Living And Working In Multiple States: Challenges For Mobile Employees In The USANEW! Moving between US states, whether to relocate permanently or simply to travel for business, can involve tax complications for people who have stock compensation. In this interview, Deloitte consultant David Johnson presents the issues that you may encounter when you leave your home office and cross a state line. This audio recording is a companion to Mr. Johnson's article (co-written with Mark Miller) on the same topic elsewhere on this website.2016-07-0711 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - LLCs And Equity Incentive PlansNEW! Attorney Daniel Janich discusses the types of equity plans that are available to limited liability companies (LLCs), the considerations involved in establishing an equity comp program at an LLC, and the related tax treatment. This interview is a companion to Mr. Janich's two-part article series LLCs And Equity Incentive Plans, elsewhere on this website.2016-06-0312 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Stockbrokers' Secrets: Retirement Planning With Stock CompensationNEW! In this interview, CFP John Barringer discusses planning approaches to stock compensation that can help you build a financially secure nest egg for retirement. This audio recording is a companion to Mr. Barringer's popular article series Stockbrokers' Secrets: Retirement Planning With Stock Compensation.2015-12-1010 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Employment Issues With Stock Compensation And Key Stock Plan Documents To UnderstandNEW! In this interview, attorney Alisa Baker discusses employment, negotiation, and job-termination issues with equity compensation, the related stock plan documents you must understand, and common mistakes to avoid. This audio recording is a companion to Ms. Baker's article series Negotiating And Structuring Your Stock Compensation.2015-12-1013 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - How To Avoid Mistakes And Create Wealth With Your Stock OptionsNEW! Stock options can be very lucrative if handled properly, but there are situations in which people can easily make mistakes with them. In this interview, CFP Paul Palazzo discusses the most common financial-planning errors he sees that involve stock options—and how to avoid those pitfalls. This audio recording is a companion to Mr. Palazzo's article on the same topic.2015-05-1809 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Stock Option Strategy To Diversify Away Your Company Stock RiskIn this interview, CFP Robert Pyle makes the case for diversifying at least some of your holdings in stock compensation and your company's shares to reduce your investment risk. Because your salary already depends on the company's fortunes, and as you may already own company stock in your 401(k), it may be wise to dollar-cost-average out of your company's stock on a regular schedule. This audio recording is a companion to Mr. Pyle's article on the same topic.2014-11-1908 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Tax-Law Changes: Impacts On Stock Option And Restricted Stock StrategiesCFP Alan Ungar explains the ways in which recent tax-rate increases can affect decisions about when to exercise stock options, when to sell company shares, and how to plan for income from restricted stock/RSU vesting. This audio recording is a companion to Mr. Ungar's article on these topics elsewhere on this website.2014-11-1309 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Taking An Overseas Assignment: Stock Compensation For Internationally Mobile EmployeesFor internationally mobile employees, the tax treatment of equity compensation can be extremely complex. In this interview, Deloitte consultant Mark Miller explains the issues that employees should consider when they are preparing to take a job assignment in a foreign country. This audio recording is a companion to Mr. Miller's articles on taxation for internationally mobile employees in the Financial Planning section of this website.2014-10-2716 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - How To Maximize The Value Of Stock Compensation While Minimizing RiskYour stock compensation may be your most valuable investment. Financial advisor William Baldwin explains his approaches to minimizing risk while trying to optimize the value of equity awards. This audio recording is a companion to Mr. Baldwin's articles on his least-regret analysis for equity compensation, getting the most from stock options, and a financial advisor's view of stock plans.2014-08-1511 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - How Pre-IPO Stock Compensation May Change Upon The Company's IPOAs privately held companies prepare for their market debuts, they make changes in equity compensation programs. Compensation consultant Ryan Harvey explains some of the shifts you can expect in your stock grants both during the period leading up to your IPO and after your company goes public. This audio recording is a companion to an article by Mr. Harvey and Bryan Smith in the Pre-IPO section of this website.2014-08-1510 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - A Holistic Approach To Equity Compensation, And Special Dilemmas Faced By ExecutivesCFP Geoffrey Zimmerman explains why it is important to see equity awards in the big picture of your life, including your circumstances, values, activities, and goals, before you make any financial-planning decisions with your grants. He also comments on the special planning dilemmas faced by senior executives with stock compensation. This audio recording is a companion to Mr. Zimmerman's articles on the holistic approach to stock comp and special issues for executives in the Financial Planning section of this website.2014-08-0510 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Hedging Employee Stock Options And Company StockFinancial advisor Robert Gordon explains some advanced techniques that can be used to hedge employee stock options or concentrated holdings in company stock as a way to reduce investment risk, especially among executives who have significant amounts of compensation tied up in equity awards or company shares. This interview is a companion to Mr. Gordon's articles on hedging topics in the section Financial Planning: High Net Worth.2014-08-0511 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Why Restricted Stock And RSUs Are A Good DealCompensation expert Richard Friedman (Ayco Company) explains what makes restricted stock and restricted stock units valuable equity awards. While these types of grants do not have the potential upside of stock options, they offer their own significant benefits. This interview is a companion to Mr. Friedman's article on this topic in the Restricted Stock section of the website, where he also has articles on financial and tax planning for restricted stock and RSUs.2014-07-1711 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Financial Planning For Stock CompensationCFP Alan Ungar gives guidance on the best time to exercise stock options, and expresses his strong point of view on what employees should do with shares acquired from restricted stock/RSU vesting. This audio recording is a companion to Mr. Ungar's article series on option exercise strategies.2014-07-1710 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - College Funding With Stock CompensationIn this interview, college-funding advisor Troy Onink explains strategies for the use of stock options, restricted stock/RSUs, and other equity awards to pay for the ever-increasing costs of higher education. This audio recording is a companion to Mr. Onink's article series in the College Funding section of this website.2014-07-0211 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Your Company Stock: The Importance Of DiversificationCFP Laura Tanner shares her wisdom on investment diversification for employees with holdings of company stock. This audio recording is a companion to Ms. Tanner's article on diversification on the website.2014-06-1908 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - What's New For Reporting Stock Sales On Your Tax ReturnGet the latest on Form 1099-B, Form 8949, Schedule D, and other tax-return topics involving stock compensation.2012-01-1204 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Basics Of SEC Law & Insider TradingBruce Brumberg, the editor-in-chief of myStockOptions.com, explains the securities laws and regulations you need to know to stay out of trouble with the SEC, with a focus on insider trading, 10b5-1 plans, Rule 144, and Section 16.2011-05-1113 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Tax Return Tips & Avoiding Reporting MistakesBruce Brumberg, editor-in-chief of myStockOptions.com, explains tax-return reporting for stock compensation and how to avoid expensive mistakes that attract unwanted IRS attention.2009-03-0309 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Basics Of ESPPsBruce Brumberg, editor-in-chief of myStockOptions.com, explains how ESPPs work, including enrollment, offering periods, lookbacks, purchase, and taxation.2008-04-0707 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Basics Of Restricted Stock & Restricted Stock UnitsBruce Brumberg, editor-in-chief of myStockOptions.com, explains how restricted stock and RSUs work, including grant, vesting, sale, and taxation.2008-02-2808 minmyStockOptions.com PodcastsmyStockOptions.com Podcast - Basics Of Stock OptionsBruce Brumberg, editor-in-chief of myStockOptions.com, explains how options work and presents the related issues, including exercise, vesting, job termination, and tax reporting.2007-12-2106 min