KB Financial
Money Blog for Tech Company Employees
Avoiding AMT on ISO stock options if your company’s stock drops
If the value of your company’s stock declined significantly after you exercised Incentive Stock Options (ISO), you may have a tax problem. Here is a strategy for avoiding AMT on ISO stock options when the stock price falls. Did you exercise and hold? A common strategy...
Why married female founders should have slush funds
Having your own stash of cash can strengthen your marriage. Most people would agree that communication and transparency are key tenets of any healthy marriage, but are there any secrets worth keeping from your spouse? What if the secret revolves around finances, a...
Everything You Need to Know About NSO Stock Options in San Francisco
Non qualified stock options (NSO) are one of three types of stock options commonly received by tech employees in San Francisco. Incentive stock options (ISO) and restricted stock units (RSU) are the others. None of the three are taxable when granted, but that’s where...
The acquisition transition: You got a lump sum of cash, now what?
A guide to investing your lump sum to generate passive income. Seeing your company get acquired can feel bittersweet. It’s a culmination of years of hard work towards what used to seem like a pipe dream. Now, here you are with a lump sum of cash, thinking about your...
QSBS Exemption Requirements: How To Qualify For This Tax Incentive
Receive up to $10 million tax free when you meet the exemption’s requirements. What if I told you that you could receive $10 million dollars and not pay any taxes on it? You’d be interested, heck we all would be. Fortunately for all of us, that wasn’t a hypothetical...
Why Married Women Should Have Separate Finances
Maintaining a sense of financial independence is important for both your happiness and your money. Many of the big life decisions you make substantially impact your finances. But one decision that yields arguably the largest financial consequences is marriage. While...
3 Ways to Manage Concentration Risk After Your IPO
Here’s how tech employees should handle concentration risk for the best financial outcome. One of the key tenets of investing is diversification. This practice of spreading your investments around helps you minimize your risk. But what happens when most of your eggs...
4 Ways to Accelerate Your AMT Credit (with Examples)
If you qualify for the alternative minimum tax credit after exercising ISOs, here’s how to receive the tax reduction faster. If you’ve had to pay the alternative minimum tax (AMT) after exercising your incentive stock options (ISOs), you understand how much of a...
So your company is going public? 3 key factors to inform your IPO plan
A financial advisor shares how tech employees can narrow their focus to the 3 most important factors. So, your company is going public soon and now you’re left wondering how to handle it. First off, congrats! Your looming IPO is a big deal and a unique professional...
Tech IPO tax planning: Should you select 22% or 37% withholding?
How to make an IPO tax withholding selection that works for you. If you’re a tech employee with a looming IPO, you’ve got a potentially life-changing payday to look forward to. But before you get too excited, you need to make some big decisions. No, not about how soon...