RSUs in your investment portfolio

If you receive a large grant of RSUs, you will have many risks. Risk of termination before vesting, risk of market volatility in stock price, and asset concentration are a few. You will need to decide whether you will keep the stock once vested, or if you prefer to sell the stock at vesting date. Concentrated Positions A concentrated position…

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Incentive Stock Options and the Alternative Minimum Tax

Alternative minimum tax ("AMT") is a hard proposition for many tech employees.  When you exercise incentive stock options it increases your net worth, but you don't actually get any cash.   This puts you in a tough spot for paying any AMT later on.  This is an important topic for start-up tech employees and it is easy to miss. Incentive stock…

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3 Steps for Evaluating Levers in your Offer Letter – Stock, Salary, Bonuses

Recently I received the following note: “I found the job I want!  I am pleased with the initial offer, but I asked the recruiter to go back and see if there was any more wiggle room to increase my total compensation. #negotiating The recruiter came back with a new offer this morning. Total increase in my total compensation for year 1, but they…

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Hustlin’ as an Entrepreneur

When you decide to make the jump from employee to entrepreneur, it is important to consider how this transition will affect your financial life. How will you support yourself?  Do you have a family to support?  How long will you be able to sustain before you need further income? Three ways to prepare for the entrepreneurial rollercoaster of cash flow:…

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Top 3 things to do in your 20s & 30s

In the greater Seattle area, tech jobs are in the Top 10 entry-level jobs with high earnings potential and a fast rising salary. So how do you maximize the cash flow early on for a head start? Pay down student loans Commit to saving and spending based on your values Invest for long-term goals First Stop:  Pay down student loans Debt…

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