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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Trading restrictions on company stock

Are you subject to restrictions in selling your company stock? Many public companies, like Amazon, institute ‘trading windows’ for key employees and executives.   Whether you are a ‘key employee’ generally boils down to access to company profit and loss details. Profit and loss access generally includes: an executive with control over a piece of the income statement or department…

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Our Attention Span and Money

The average attention span and short-term memory recall has declined over the last ten years.  Some say it's due to our ability to look up anything we need so our brains no longer find it a vital function. Either way, I have strong memories of 9-11 and the 2008 crash.  I can remember exactly where I was, what the room looked like,…

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How to make an 83(b) election for your company stock options

Many individuals are interested in making a tax election to minimize long-term tax due. However, this may or may not be a good choice for you. I will not go through the analysis and pros/cons of such a choice in this post. This is for information purposes on the mechanics of making the election. Before making the election, it is…

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Offer Letter Basics: RSUs

How do you evaluate an offer from a large tech startup or established tech company like Microsoft or Amazon? The first step in evaluating your offer is to understand it! Below, we discuss one of the components of your offer letter - Restricted Stock Units (RSUs). Restricted Stock Units (RSUs) Structure: Each RSU equates to a share of the company stock.  ex.…

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Our Philosophy

We believe everyone deserves a complete financial plan. A plan that incorporates your values, goals, and finances to help you lead a wealthy life now and build future wealth.  Our financial plans: define the current factors affecting your ability to build wealth, provide recommendations and a clear framework for tackling your concerns in living a wealthy life, and create an action plan…

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Why I created SeedSafe Financial LLC

I am a fan of personal financial education. I grew up in a self-employed single-mother home, where the highs were amazing and the lows were extremely stressful. I was my mother's helper in her business and kept track of the business finances in QuickBooks. In our home, business finances equaled personal finances, and we were often in the red.   The stress this caused…

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