myStockOptions.com Podcasts

In 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.

Among 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.

Employees 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.

NEW! In this interview, tax and securities law attorney Arthur Meyers 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 interview is a companion to our popular article on the topic of tax reform.

NEW! 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.

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.

NEW! 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.

NEW! 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.

NEW! 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.

NEW! 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.