Welcome to Part 2 of the NUA (net unrealized appreciation) mini-series. If this is the first episode in the series that you're listening to it may be worth it to go back and have a quick listen to the last episode just to get a little background. However, you're more than welcome to jump in right here. 

I promised in the last episode to spend some time talking about when it makes sense to use net realized appreciation. I can't stress this enough NUA is an advanced financial planning technique. It is designed for people with company stock in a tax-deferred employer retirement plan. But, just because you fall into this category does not mean you should use an NUA. Listen to this episode of the Equity Compensation Guidebook to learn more about whether it’s right for you.

You will want to hear this episode if you are interested in...

• When it may NOT make sense for you to us NUA [1:12]
• When it DOES make sense to use the NUA [2:42]
• Is the gap between ordinary income and capital gains rates enough? [4:49]
• The time frame until you have a qualifying event [6:56]
• This week’s FLASHBACK [8:09] 

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