Are You Using Your Whole Paycheck?
This is the third in a four-part series about your paycheck – what the various deductions mean and why you need to pay attention to them so you can effectively manage your cash flow to support the lifestyle you desire. In my last couple of blogs, I’ve talked about basic deductions and deductions related to […]
Understanding Your Pay Stub – Where Does the Money Go?
Have you ever looked at your paycheck and wondered why the amount is so much less than you thought it would be? It certainly doesn’t equal your annual salary divided by the number of paychecks you get in a year. Where does all the money go? Understanding the deductions printed on your pay stub – […]
5 Steps to Solve Your IPO Tax Issues
Every year, it’s the same deal: You review your finances from the year before, and try to plan out your tax strategy so you don’t have to pay through the nose to the IRS. Usually, this means finding ways to keep yourself in a lower tax bracket. (Because why wouldn’t you want to keep more […]
Are Your Friends Too Expensive?
Most of us have financial goals. First house. A new car. College for the kids. Or a summer getaway to Hawaii. Often, we take longer than we’d like to achieve our goals because of pesky financial roadblocks that get in the way – unexpected medical expenses, unanticipated car repairs, etc. And these are the obvious […]
Should You Borrow Money to Exercise Incentive Stock Options?
Our financial system is built on loans. This money helps us pay for education, a car, a house, and other personal needs. Now, we can add exercising stock options to the long list of things you can borrow money for. This new facet of lending came about through the growth of private valuations and […]
3 Reasons January is the Best Month to Exercise ISO
Every December, the KB Advisors team is inevitably flooded with calls from people who are rushing to exercise incentive stock options (ISO) before December 31st. They want to make sure they exercise what they can in the current year without triggering the alternative minimum tax (AMT). This influx of calls is always exciting for […]
How to Use Stock Options to Buy a House
For many Americans, buying a house is often a primary financial goal. However, in places like San Francisco or New York, it can be challenging to save up enough each month to put toward a down payment on a home in the area you love. Professionals in the tech industry have a neat way to […]
3 Tax Things to Beware of After IPO
The number of tech IPOs surged in 2018, and the momentum is expected to continue well beyond 2019. If you’re a current or former tech employee holding stock options or RSUs, you might be wondering what steps to take once your company goes public. Although the answer varies, there are typically two main focus points […]
Your Company Got Acquired: How to Capitalize on This Liquidity Event in Tech
As massive companies like Google and Salesforce keep buying out startups, your likelihood of finding out your company got acquired only goes up. And if you’re a tech employee sitting on stock options and company equity, this could be a massive wealth-building opportunity for you. The question is: would you prepared with the right […]