Abnormal Returns

MARCH 3, 2025

Podcasts Michael Kitces talks with Jennifer des Groseilliers, CEO of The Mather Group, about building an effective equity compensation plan. capitalallocators.com) The biz What Robinhood ($HOOD) is planning now that its acquisition of TradePMR is finalized. naylornetwork.com) Women have differing planning priorities than men.

Compensation Planning 144

Compensation Planning Wealth Management Clients Planning 144

Financial Symmetry

OCTOBER 3, 2022

Have you ever been offered a non-qualified deferred compensation plan as part of your benefits package? The post Should You Use a Non-Qualified Deferred-Compensation Plan for Your Retirement Savings? Do you know someone who has, but wasn’t sure exactly what it was? Ep #174 appeared first on Financial Symmetry, Inc.

Compensation Planning 98

Compensation Planning Retirement Planning 98

Abnormal Returns

JUNE 17, 2024

citywire.com) Advisers Compensation plans should align with your firm's overall goals. (kitces.com) Even self-directed investors want access to some advice. citywire.com) Most advisers have not implemented a direct indexing option. thinkadvisor.com) Why couples could benefit from separate AND joint accounts.

Financial Counseling 261

Financial Counseling Compensation Planning Wealth Management Startup 261

Nerd's Eye View

MARCH 13, 2024

Specifically, USC Section 114 defines certain types of "retirement income" that can only be taxed by the states in which a person resides, which include qualified employer retirement plans and IRAs as well as nonqualified deferred compensation plans that are either paid out over a period of at least 10 years or structured as an excess benefit plan.

Taxes 189

Taxes Compensation Planning Retirement Retirement Planning 189

Nerd's Eye View

JUNE 14, 2024

Also in industry news this week: While an infusion of Private Equity (PE) capital has shaken up the RIA M&A market, the ultimate implications for advisors, their clients, and the PE firms themselves remain unclear A recent study has found that a significant portion of 'DIY' investors are open to working with a human advisor (and paying for the (..)

Financial Planner 246

Financial Planner Compensation Planning Asset Allocation Retirement Planning 246

Nerd's Eye View

SEPTEMBER 23, 2022

From there, we have several articles on insurance and investment planning: Why the chair of the Senate Finance Committee has taken an interest in the private placement life insurance market. A new designation is available for advisors looking to serve clients with nonqualified deferred compensation plans.

Financial Planner 246

Financial Planner Compensation Planning Compliance Insurance 246

Carson Wealth

MAY 24, 2023

Executive compensation plans can be used to attract, retain and reward high value employees. We’ve put together helpful information to know if you’re ever offered one of these plans through your employer. The post Executive Compensation Plans: Common Elements appeared first on Carson Wealth.

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Executive Compensation Compensation Planning Planning 52

Cordant Wealth Partners

NOVEMBER 12, 2021

In this post, we cover three ways you can reduce the risk you have in your deferred compensation plan (DCP) for those that have a substantial portion of their net worth tied up in deferred compensation. 409(a) Nonqualified Deferred Compensation plans present a fantastic way to defer taxes and build net worth.

Compensation Planning 52

Compensation Planning Planning Taxes Insurance 52

Harness Wealth

NOVEMBER 12, 2024

Proactive year-end tax planning can lead to significant savings and set you up for financial success in the new year. Checklist: Year-end Tax Planning Strategies Review the following tax strategies with your tax advisor and/or financial advisor before the end of the year.

Tax Planning 52

Tax Planning Taxes Planning Estate Planning 52

Nerd's Eye View

AUGUST 8, 2023

And be certain to listen to the end, where Lori shares why, even though she has experienced turmoil in her business, she tries to maintain a positive outlook because without these experiences, she would not have developed the specific expertise or become the advisory firm owner she is today, why, after dealing with a personal tragedy and not coming (..)

Investing 246

Investing Investments Financial Advisor Compensation Planning 246

Advisor Perspectives

DECEMBER 6, 2022

This nonsense is non-existent in the RIA model.

Compensation Planning 52

Compensation Planning Planning 52

Advisor Perspectives

AUGUST 29, 2023

In a potentially positive trend for investors, the number of companies incorporating ESG metrics in their executive compensation plans has been growing.

Executive Compensation 81

Executive Compensation Compensation Planning Numbers Planning 81

Diamond Consultants

JANUARY 21, 2025

But this question is a fair one, especially in light of the recent compensation plan announcement from UBS: Are the big firms delivering value commensurate with what they are charging? They may have the financial planning tools they need to service their mass affluent clients but not their HNW clients.

Recruitment 52

Recruitment Compensation Planning Clients Consulting 52

Darrow Wealth Management

APRIL 23, 2025

The 83(b) election has the potential to significantly reduce the overall tax liability, especially for startup founders and employees who receive stock-based compensation. It’s usually a key part of pre-IPO tax planning and exit strategies. If you plan on leaving the company before vesting, this is likely not a good strategy.

Taxes 62

Taxes Startup Compensation Planning Sales 62

Darrow Wealth Management

NOVEMBER 17, 2022

Considering tax planning strategies to reduce the impact of the new MA surtax. Further, if you weren’t planning to sell the asset, it’s usually not advisable to do so for tax reasons alone. Plan your income. Though tax planning is important, it’s equally important not to let the tax-tail wag the dog.

Taxes 111

Taxes Wealth Management Tax Planning Planning 111

Harness Wealth

DECEMBER 30, 2024

In these cases, the taxes owed would be triggered earlier than expected, which could disrupt the employees financial planning. Employers have the discretion to opt out of permitting 83(i) elections by declining to establish these conditions or explicitly excluding the election from equity compensation plans.

Taxes 52

Taxes Compliance Compensation Planning Financial Advisor 52

NAIFA Advisor Today

AUGUST 5, 2022

Nonqualified benefits, like deferred compensation plans, may be a good solution to appeal to executives looking for pre-tax opportunities beyond IRAs and 401(k) plans to accumulate greater wealth for retirement.

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Compensation Planning Retirement Planning Taxes 52

Your Richest Life

APRIL 15, 2024

Do you have a plan in place for your retirement? For many people, the extent of their retirement planning includes signing up for the plan at work – which is often more of a starting point than a comprehensive retirement plan. Some 457 plans can allow for Roth contributions and in-plan rollovers.

Retirement Planning 52

Retirement Planning Retirement Planning Taxes 52

Cordant Wealth Partners

JANUARY 28, 2021

Employees of what was formerly Mentor Graphics, now Siemens, may find that they are eligible for Siemens’ Deferred Compensation Plan (DCP) and wonder if they should defer their salary and/or bonus into the plan. The Benefits of Deferred Compensation. The Risks of Deferred Compensation Plans. Tax Benefits.

Compensation Planning 52

Compensation Planning Taxes Planning Distribution 52

Cordant Wealth Partners

NOVEMBER 20, 2020

409(a) Nonqualified Deferred Compensation Plans present one of these opportunities. As a participant in your company’s deferred compensation plan, you’ve become an unsecured creditor of your company. This framework is specific to the Intel SERPLUS fund but can be generalized to any deferred compensation decision.

Compensation Planning 52

Compensation Planning Taxes Distribution Planning 52

Cordant Wealth Partners

SEPTEMBER 8, 2022

This article will discuss the key features of the Microsoft 401(k) plan, and after reading it, you should leave with a clear game plan of how to: Maximize the match (free money! ) The key benefits of any 401(k) plan (including Microsoft’s) include: Free Money : A company match on your contributions.

Retirement Planning 52

Retirement Planning Retirement Planning Taxes 52

Cordant Wealth Partners

AUGUST 16, 2024

Most recently, Intel announced layoffs impacting 15% of the workforce with a plan to cut $10 billion in total costs. Tax planning for a transition out of Intel is critical. Please check with your HR for the most up-to-date plan information. 18 months of coverage is being offered for COBRA plus a $20k Healthcare bonus.

Planning 52

Planning Retirement Taxes Accounting 52

Cordant Wealth Partners

DECEMBER 2, 2022

Most recently, Intel announced layoffs impacting 11% of the workforce in the fall of 2022 with a plan to cut $3 billion in costs over the next year. Tax planning for a transition out of Intel is critical. Intel Retirement Contribution Plan. SERPLUS (Intel’s deferred compensation account). Intel Minimum Pension.

Planning 52

Planning Retirement Taxes Accounting 52

MarketWatch

JUNE 14, 2023

The company said its buyback program doesn’t include shares repurchased in connection with share-based compensation plans. Based on Tuesday’s stock closing price of $18.31, the company could buy back 10.46 million shares under the current program, which represents 19.2% of the shares outstanding as of March 31.

Compensation Planning 40

Compensation Planning Planning Marketing Marketing 40

Zajac Group

MARCH 20, 2023

One strategy to consider particularly for those with significant wealth or instant wealth could be a 10b5-1 plan. Reason #5 – Tax Tradeoffs: So much of equity compensation and the decision to sell (or not sell) is tied to income tax. Or, as an executive, you may be subject to pre-clearance, section 16 reporting, or restrictions.

Risk Tolerance 98

Risk Tolerance Taxes Portfolio Planning 98

Ballast Advisors

NOVEMBER 29, 2022

It’s common for businesses to court talented executives with a variety of perks, including signing bonuses, stock options, and nonqualified deferred compensation plans to supplement regular pensions and retirement savings. For example, one could assume that, after one year, any marketing plan would be less useful to a competitor.

Recruitment 40

Recruitment Compensation Planning Clients Retirement 40

Cordant Wealth Partners

SEPTEMBER 9, 2022

Like any major corporation, Microsoft’s compensation package includes various programs and benefits for its employees. For example, base salary makes up around 70% of total compensation for the typical Level 59 Software Engineer versus less than 50% for a Level 67 Principle SDE. Planning opportunities with the ESPP: Enroll!

Engineering 52

Engineering Taxes Insurance Accounting 52

Cordant Wealth Partners

SEPTEMBER 27, 2021

And while these benefits can be quite valuable, in most cases, they do require a fair amount of time, planning, and intentionality to take advantage of them and incorporate them into your overall financial strategy. Planning opportunities with RSUs: Use RSU income to maximize contributions to other benefits programs.

Engineering 52

Engineering Taxes Insurance Accounting 52

Cordant Wealth Partners

SEPTEMBER 7, 2022

The Microsoft Mega Backdoor Roth 401(k) is a feature within the 401(k) plan that allows you to: Save additional money each year on an after-tax basis into your 401(k) and Convert those dollars into a tax-free Roth subaccount. At Microsoft, under the “ROTH IN PLAN CONVERSION” section, you will select the option to “Convert After-tax to Roth.”

Taxes 52

Taxes Accounting Compensation Planning Retirement 52

Zoe Financial

FEBRUARY 14, 2023

However, once you get into the best practices, you can plan ahead and maximize your tools in preparation for every tax season. However, once you get into the best practices, you can plan ahead and maximize your tools in preparation for every tax season. Tax planning can be overwhelming , but it doesn’t have to be.

Taxes 52

Taxes Financial Advisor Tax Planning Planning 52

Zajac Group

JANUARY 10, 2023

While this may not be the right solution for everyone, it’s a benchmark you can use in your planning. Whatever your metric, or whatever your plan calls for, evaluating how much equity you want to keep is one step in the plan. One way around this, particularly for executives, may be to establish a 10b5-1 plan.

Taxes 52

Taxes Planning Financial Planning Investing 52

Harness Wealth

OCTOBER 8, 2024

Tax practices that provide comprehensive tax planning services are better positioned to gain new clients in the Harness Marketplace compared to firms that mainly focus on tax preparation. Provide personal and professional tax planning: Many clients are looking for comprehensive tax planning.

Taxes 52

Taxes Clients Tax Planning Healthcare 52

Carson Wealth

MAY 4, 2023

In practice, ISOs create complex tax compliance and planning issues for both employers and employees. Depending on the plan agreement, there are several ways to “pay” for the stock at the strike price. As such, it is necessary to factor in AMT when planning for ISOs.

Taxes 52

Taxes Sales Planning Tax Planning 52

Harness Wealth

MARCH 11, 2024

Retirement contributions Individuals can take advantage of various tax-related retirement planning strategies to reduce their taxable income today and post-retirement. Health Savings Accounts (HSAs) HSAs are available to individuals enrolled in high-deductible health plans (HDHPs).

Startup 59

Startup Taxes Medical Retirement 59

Diamond Consultants

JUNE 28, 2023

Jake landed on a “middle ground” option, choosing to go to RBC to monetize his life’s work and recoup some of his deferred compensation. Overall, RBC had a more entrepreneurial culture, offering an extra support team member and a simplified and consistent compensation plan that no longer emphasized banking.

Compliance 52

Compliance Recruitment Clients Compensation Planning 52

Zoe Financial

MARCH 22, 2023

Considering your retirement lifestyle plans and associated costs, it’s important to consider inflation. Avoid Dependency Other sources of income that some people receive include a pension, deferred compensation plan, or the sale of a business. There are going to be investment events that you must also plan for.

Retirement 40

Retirement CFP Taxes Accounting 40

Zajac Group

JANUARY 24, 2023

This is important from a year-end planning perspective, particularly if you e xercise ISO early in the calendar year at one price, and the stock price by year-end is significantly lower. A Note on Tax Planning: In a disqualified disposition of ISO, no income tax is withheld when you sell.

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Taxes Sales Tax Planning Planning 52