Episode Descripton:

In this episode of Real Money, Real Life™, Linda Grizely sits down with Josh Radman, CFP®, EA and Founder of Presidio Advisors, to break down the confusing world of equity compensation — RSUs, ISOs, NSOs, vesting schedules, exercising options, and more. Josh shares how his own experience receiving equity at tech companies revealed how little most employees are taught about their stock, and why so many people freeze, overthink, or miss opportunities.

They explore how to understand the real value of your shares, what "bullish" actually means, how risk tolerance and opportunity cost fit into the decision to exercise options, and why equity should always be viewed in the context of your bigger life goals — not just taxes or company hype.

Whether you're at a startup or a large public company, this episode gives a clear foundation for finally understanding your equity grants.

We Talk About:

• The differences between RSUs, ISOs, NSOs, and how each one works • What vesting really means and the timing rules most people miss • What it means to be "bullish" on your company • How to think about exercising stock options (including opportunity cost) • Why equity decisions should tie into lifestyle, career, and life goals • How to avoid mindset traps and confusion around tax implications • What to do first if you have equity compensation and feel overwhelmed

About Josh:

Josh Radman's journey into financial planning was different than many. He started in tech where he received equity grants as part of his compensation package shortly after graduating from business school at Harvard. What was meant to be an exciting ownership opportunity quickly became a confusing tangle of tax rules, vesting schedules, and financial tradeoffs. When Josh looked for an advisor who could help him navigate these decisions, he found options lacking. That led him to launch his own firm, Presidio Advisors. Today, Josh specializes in guiding people through the maze of equity compensation, tax planning, and broader financial independence strategies. His approach especially resonates with younger professionals because it blends technical expertise with an understanding of the unique pressures and aspirations of his generation. For example, he doesn't just focus on whether clients should hold or sell their stock options—he ties those decisions to bigger questions about lifestyle, career transitions, and risk tolerance. This perspective makes him not just a financial planner, but also a partner in helping clients align their money decisions with their broader life goals. Now based in Denver but serving clients across the U.S., Josh has built Presidio Advisors into a firm that fills a critical gap for young professionals in tech and beyond.

Connect with Josh:

Website: https://www.presidioadvisorsllc.com LinkedIn: https://www.linkedin.com/in/joshradman/

Connect with Linda:

Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity