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The collapse of First Republic Bank is a harsh reminder that any stock can go to zero, no matter how established a company is, or how loyal and wealthy its customers are. The failure of what many considered to be a rock-solid regional bank should serve as powerful evidence of the importance of diversification, what I consider to be one of the first principles of investing.
Executive equity compensation awards, such as stock options, restricted stock units, and directly held shares of company stock with large embedded taxable positions can be the most tax-advantageous assets to use to meet philanthropic goals. Learn more about charitable giving using executive compensation in an effort to help maximize your charitable donations.
As an important tax-management tool, net unrealized appreciation (“NUA”) should not be overlooked by those who want to manage their distributions tax-efficiently. The requirements to qualify for NUA special tax treatment are many and intricate, so it’s important to consult with tax and financial advisors before executing this option.
Employer retirement plans with in-service distributions can be complex. You may find that an in-service/non-hardship distribution and rollover could provide access to more investment options, risk management strategies, and diversification approaches. Plus, you may gain access to a wider variety of guaranteed retirement income options. Learn more about how to approach your retirement plan and the options available to you.
NQDC plans, sometimes also called employer deferred compensation plans (EDCP), can offer incredible compensation potential for executives. Learn how NQDC plans are defined, who qualifies for them, and how NQDC plans work.
There are numerous factors to consider before choosing a pension plan lump-sum distribution. Learn more about the benefits and risks to lump-sum distributions, and the many factors you should consider before choosing a lump-sum distribution.
Equity compensation plans can offer potential financial benefit, but they are complex—especially when combined with your unique financial situation and goals. Learn more about how you can maximize equity compensation plans from pre-IPO companies.
Equity compensation plans can offer potential financial benefit, but they are complex—especially when combined with your unique financial situation and goals. Learn more about how you can maximize equity compensation plans from publicly held companies.
Not every concentrated position needs to be sold off, but, in most cases, it is important to recognize the value of a well-rounded approach. Plus, one of the biggest concerns investors have about concentrated stock is taxes. Selling isn’t your only option. Learn more about the dangers of a concentrated stock position, and strategies to consider to help maximize your financial situation.
Scott and John Nersesian, Head of Advisor Education at PIMCO and faculty at the University of Chicago Booth School of Business, discuss advanced and detailed strategies for executives who are receiving equity-based compensation (stock options, restricted stock units (RSU), concentrated stock positions, and non-qualified deferred compensation (NQDC)).
Scott Oeth and John Nersesian, Head of Advisor Education at PIMCO and faculty at the University of Chicago Booth School of Business, discuss wealth strategies for executives who are receiving equity-based compensation (stock options, restricted stock units (RSU), concentrated stock positions, non-qualified deferred compensation (NQDC)).
Gifting company stock to a charitable organization has many complex rules attached to it, but when completed properly, this gift can be of great financial benefit to both you and the charitable organization!
Your company stock has recently rocketed to an all-time high. Should you sell your company stock? How much company stock is too much to hold? What financial planning strategies should be explored? Check out key factors you should consider before selling your company stock.
Corporate executives can face a lot of challenges when trying to decipher options and make decisions about their personal finances. Here are five common issues executives need to address with their personal finances—and ways to resolve those issues.
Restricted stock units (RSUs) are commonly ignored or misused. Do you know the best option to maximize your restricted stock units? Learn more about RSUs and make sure you're making the most of your RSUs!
Do you know how to maximize your NQDC or EDCP plan? Learn the ins and outs of NQDCs and EDCPs and how to make the most of this unique benefit.
There is great upside potential to employee stock options—and numerous ways for executives to blow it. Learn more about how to maximize your employee stock options.
Non-qualified deferred compensations plans (“EDCP/NQDC”) are benefits plans made available on a selective basis to certain executives and key personnel. Small business owners may also find great benefit in adopting NQDC plans. These plans can allow for tax-sheltered wealth building far in excess of standard 401k/403b plan limits, but they are not without certain drawbacks and limitations.