Notes for people paid in company stock

The longer versions of my talks, covering RSUs, stock options, ESOPs, insider stock, and the ideas people start hearing about after their company goes public or gets bought. They explain how these work. They won't tell you what to do with your grant, your taxes, or your next trade.

Prefer a situation instead of a topic? The educational case studies are hypothetical composites. Not client results.

• Stock options and RSUs

  How RSUs and stock options differ, how vesting works, and what changes once the shares are actually yours.

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• Executive stock and ESOPs

  What executive option grants and employee stock ownership plans are, and why a grant isn't money in the bank yet.

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• Insider stock

  Trading windows, blackout periods, and 10b5-1 plans. Your company's policy always has the final say.

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• Direct indexing and charitable trusts

  Two things people start hearing about after a big vest or a sale. How each one works.

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• The tax side of stock pay

  Income tax, withholding, estimated payments, AMT, QSBS, and giving stock to charity, explained simply.

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