Malik M. Amine
Malik on Money. Investment Advisor Representative. CRD #7338573.
I started my career writing code and shipping products, and I spent a lot of time in meetings where people argued about equity and cap tables. I watched smart people make rushed decisions with the stock their companies paid them. Malik on Money is the talks, notes, and videos that came out of that. It's general education, so it doesn't replace your CPA, your attorney, or actually working with an advisor.
It's for people in tech who get paid partly in stock: RSUs, ISOs and NSOs, ESOPs, or a big position in their employer's stock. I also cover what happens around IPOs, acquisitions, and tender offers. If most of your net worth is in one company, the equity notes are a good place to start.
Background
Education: University of Michigan
Previous career: Software developer. I built products and worked inside startups before moving into financial planning.
Current practice: Investment Advisor Representative with Wealth Strategies Financial Group, doing business under the Money Talk with Malik brand of Global Frontier Capital LLC.
Regulatory record: FINRA BrokerCheck (CRD #7338573)
What I cover
RSUs and options
- How RSUs and options work
- Having too much in your employer's stock
- Trading windows and insider policies
- What happens in an IPO or acquisition
ESOP and executive options
- What a grant actually gives you
- Vesting, cliffs, and what you lose if you leave
- Exercise deadlines after you leave
- Reading the plan documents
After a large vest
- Direct indexing
- Charitable remainder trusts
- Donor-advised funds versus CRTs
- Questions to take to your CPA
The tax side
- Income tax at vest versus tax when you sell
- Why withholding isn't your tax bill
- QSBS and AMT basics
- Read the note
People from these companies have been to my talks
OpenAI
Anthropic
xAI
Apptronik
Tesla
NVIDIA
AMD
Dell Technologies
NXP Semiconductors
Applied Materials
Firefly Aerospace
Saronic
Tenstorrent
Apple
Google
Microsoft
Amazon
Oracle
IBM
Intel
Cirrus Logic
Silicon Labs
SailPoint
Q2
Stripe
Databricks
Rippling
Canva
Scale AI
Perplexity
Company names describe where people who have attended Malik's talks or education sessions earn their equity. Names and marks are trademarks of their respective owners and are shown only to identify the companies. None of these companies is a client of, sponsors, endorses, or is affiliated with Malik on Money, Money Talk with Malik, Global Frontier Capital LLC, or Wealth Strategies Financial Group. Educating someone from a company is not a statement about that company, its stock, or any advisory relationship.
How I think about it
You're busy doing your actual job. You shouldn't have to become an expert on stock plans to understand what you're being paid. So I try to explain things simply and leave out anything you don't need.
A lot of personal finance advice online assumes you get a salary and a 401(k). Once RSUs, options, trading windows, or a big position in one stock are involved, most of that advice stops fitting.
Everything on this site is general education. Advice only happens when we actually work together, never in a video or a post.
Read first, or just book a call
Start with the notes if you'd rather learn on your own. If you have a vest, an option exercise, or an exit coming up, book 30 minutes with me. The first call is just a conversation and doesn't make you an advisory client.