Insights
Articles reflecting our low-cost, stay-the-course philosophy, written for people making a decision rather than browsing.
Mar 16, 2023
Affluent Florida residents live in Florida for a reason – and it’s not just the beautiful weather, endless beaches, and warm atmosphere. Florida also is particularly benevolent to high-net-worth individuals for its approach to taxation – or lack thereof – making it an ideal state for estate planning. No Inheritance Tax No Estate Tax In […]
Read articleJan 3, 2023
In our last article on Employee Stock Option Alternatives, we went into Restricted Stock Units and Stock Appreciation Rights, both of which are excellent alternatives to the sometimes risky (and potentially costly!) Employee Stock Options. In this article, we go over Phantom Stock and Employee Stock Purchase Plans. Phantom stock Phantom stock provides the benefits […]
Read articleDec 30, 2022
Several corporate scandals involving Employee Stock Options (ESOs) have driven companies to diversify their compensation packages with less risky Employee Stock Option Alternatives. Enron’s Employee Stock Options Scandal saw executives driving up the stock price by manipulating projected profits and other devious methods to cash out their Incentive Stock Options at greater profits.¹ Years later, […]
Read articleDec 27, 2022
A common misconception is that estate planning is for the very wealthy or the very old. In truth, anyone who has assets they wish to preserve, manage and pass on needs an estate plan. A good estate plan puts you in control of your money now and assures it will get to the right beneficiaries […]
Read articleDec 12, 2022
If you recall our previous article about the kinds of stock options available, Non-Qualified Stock Options are issued to employees or stakeholders of a company, such as subcontractors, vendors or partners. They give any holders (grantees) of the options the right but not the obligation to purchase company shares at a set price, known as […]
Read articleDec 6, 2022
Incentive Stock Options (ISOs) grant an employee the right (but not the obligation) to purchase company shares at a bargain price with the possible benefit of a tax break. More precisely, ISOs are tax-advantaged, meaning that if exercised properly, the grantee may pay the lower Capital Gains tax rather than the more burdensome regular Income […]
Read articleNov 21, 2022
When to exercise ESOs Determining the best time to exercise your Employee Stock Options (ESOs) is crucial. With the correct conditions and exercise strategy, an ESOP can be much more profitable than a standard salary and bonus compensation package. Conversely, an Employee Stock Option Plan (ESOP) can leave you with less money than you started, […]
Read articleNov 17, 2022
As mentioned in our previous article, Employee Stock Options (ESOs) provide workers a great incentive to meet Key Performance Indicators or to stay with a company for the long term. It is in the employee’s best interest to meet the conditions necessary to receive the options and then exercise them at the optimal time. But […]
Read articleNov 3, 2022
What is an employee stock option? An employee stock option(ESO) is a contract that a corporation (granter) issues to an employee (grantee) that gives them the right to purchase a set amount of shares at a predetermined price (known as the strike price) within a specific time window. The employee can exercise the contract whenever […]
Read articleNov 1, 2022
There is a straightforward strategy that can help diversify your portfolio, reduce volatility risk, and utilize the concept of compound interest to maximize your gains. It’s called dividend investing, or the dividend snowball effect, and there may be a place for it in your portfolio. Let’s take a closer look. What is Dividend Investing? Dividend […]
Read articleOct 25, 2022
The IRS has recently released 401(K) contributions for 2023, and there is good news for farmers! As expected, contribution amounts are increasing across the board, improving our heartlands’ workers’ ability to fund their retirement and maintain their hard-earned lifestyle throughout their twilight years. Let’s take a look at the hard numbers. The Solo 401(K) Plan […]
Read articleSep 26, 2022
Client goals are the cornerstone of our planning process. Every couple has a different goal they want to achieve; some desire fewer taxes, while others dream of buying a motorhome and touring the continent. Over the last few years, we’ve begun to notice a common non-financial goal that has really stood out: Brain Health. More […]
Read articleAt some point the questions become specific to your situation. That is a conversation, and the first one is free.
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