Money Blog for Tech Company Employees
Restricted stock units (RSU), incentive stock options (ISO), and nonqualified stock options (NQ) are all nice to have. Trading windows and lock-out periods, though? Not so much. 10b5-1 plans can help you set up a trading plan that is not limited to set trading...read more
Making sense of your employee stock options is tough. A quick Google search won't help. Search "stock options" You get results that include instructions on how to buy "call" or "put" options. This is not helpful at all when you are just trying to make sense of the...read more
It’s been a good year for tech IPOs. Nine tech companies went public in the first four months of 2017, compared with just one over the same time period in 2016.
That’s great for the tech industry. But what does it mean for you as an individual?
When a company goes public, the clock starts on its lock-up period. The lock-up period usually lasts from 90 to 180 days, and during this time, you can’t sell your stock if you’re considered a shareholding insider.read more
Most of what you read about saving more money is misguided. It focuses on the wrong things. Saving a fixed percentage of income Cutting expenses The two approaches are the same approach presented in different ways. Saving a fixed percentage of income that is more than...read more
Kids are expensive. We know. Many of our clients have young children. One of our partners, Landon, has three school-age children. The fact that your kids will cost you a lot of money is no secret. The national average is $233,610 to raise a child Your costs may be...read more
The goal of investing is to buy and sell at a profit. You want to make money. You report gains to the IRS when you sell. The gains determine the tax bill related to the investment you made. What is cost basis? Cost basis is the total price you paid to buy an...read more
Many of our new clients come to KB Financial Advisors with lots of questions and concerns. Questions and concerns that have built up over years. When should I sell my shares? What do I do with my stock options? How should I invest my cash? Should I buy a house? How do...read more
One of the top questions we receive. How am I doing? There are many specific ways to ask this, but it usually boils down to this basic question. You want to know how you are doing? How is your financial plan? Where are you relative to your age? Where are you compared...read more
The IPO was announced. You took action and did the 5 things everyone must do. Now, you are in the lock out period. The lock out period is the time when you are restricted from selling your shares. It usually lasts six months. Now is the time to plan. You can use the...read more
How to react to the announcement of an acquisition, liquidity event, and sudden windfall. It Happened Today Everyone gathered in the big conference room. They announced the deal. Cheers and applause... We all made mental notes of how much money we would receive as we...read more