Is Your Company Going Public Through an IPO or SPAC?
One of the most common forms of life-changing sudden wealth is through stock options. The tax and legal issues around stock options can be complex. A client’s stock options can represent 80% to 90% of their net worth, but if they are unvested or unexercised, extracting this value takes a great deal of planning. We have a team of professionals who have been helping clients get the most value when their company goes public through an IPO or SPAC. We've worked with clients who have had substantial wealth in stock options in companies such as Beyond Meat, Coinbase, Lemondade, Zoom, Roku, and others.
Financial advisor for stock option (IPO) planning
A simple oversight such as not exercising the options in the proper amount of time after you leave your employer can cost hundreds of thousands of dollars or more. Failing to account for your income tax bracket or AMT can have you paying more than you need to in taxes. We help you stay compliant while capitalizing on your stock options. We do this by:
- Work closely with your team, HR, and employer's legal counsel
- Paying impeccable attention to details
- Implementing a proper strategy
- Utilizing our deep knowledge of taxes
Even if you are not fully vested or unable to convert your options to cash currently, there are strategies to protect their value. We have the experience and can put together an overall plan for not just your stock options, but how they will integrate into your overall financial strategy.
Disclosure: Options are not suitable for all investors. There are risks involved in any option strategy. Individuals should not enter into option transactions until they have read and understood the option disclosure document titled "Characteristics and Risks of Standardized Options," which outlines the purposes and risks of option transactions. This booklet is available from your Financial Advisor or at OCC - Characteristics & Risks of Standardized Options. Supporting documentation of claims will be supplied upon request.
We are real fiduciaries.
This means we always put our client’s best interests first. A Real Fiduciary also means that we are not part-time fiduciaries. We put our client’s best interests first in all cases and at all times. Less than 8% of financial advisors are Real Fiduciaries.
Trusting your financial advisor shouldn't be something you have to worry about! Choose a fiduciary financial advisor for stock option planning
Nationally Recognized Sudden Wealth Expert
Robert Pagliarini, Ph.D., CFP®, EA provides financial planning and investment management for employees and employee groups. Robert is a CFP Ambassador, one of only 50 in the country, as well as an Enrolled Agent with the IRS. He has written several books and writes a financial column for Forbes.
Get educated on managing your stock options
Financial planner Robert Pagliarini, PhD, CFP, EA has been helping people maximize their stock option value for nearly three decades.
Sudden Wealth Crash Course
When Stocks Make You Rich
Nationally-Recognized Sudden Wealth Financial Planner
Our founder Robert Pagliarini is nationally known for providing investment, legal, and tax advice. He is also a CFP Board Ambassador with a dual masters and PhD, and has become the go-to expert for serving sudden wealth recipients. He is called upon by the media for his insight into the financial and psychological issues related to navigating life after sudden wealth - including those who have received sudden wealth through stock option planning.
Common Stock Option Planning Questions
We often answer these questions for employees and employee groups specific to their specific stock plan.
- How can I minimize taxes if I cash out?
- How do I invest the proceeds?
- What are the tax ramifications of selling stock options?
- Should I keep the stock/options or sell?
- How can I minimize taxes if I cash out?
- How do I invest the proceeds?
- What are the tax ramifications of selling stock options?
- Should I keep the stock/options or sell?
- Should I have a strategy for when I sell the stock?
- How can I make the most of the proceeds?
- When will I be able to retire?
- How can I preserve my assets?
- Should I have a strategy for when I sell the stock?
- How can I make the most of the proceeds?
- When will I be able to retire?
- How can I preserve my assets?
The Sudden Wealth Solution Book
A must-read for employees who received sudden wealth through stock option planning & investing.
Robert Pagliarini, founder of Pacifica Wealth Advisors, a wealth management firm in Orange County, CA - authored The Sudden Wealth Solution. Sudden wealth is often portrayed as creating dire consequences for its recipients, but it can be an amazing opportunity that improves your life and those around you. I’ve worked with enough highly paid employees over the years to see patterns – what works and what doesn’t. With proper guidance and a willingness to stick to the 12 Principles outlined in The Sudden Wealth Solution, you can avoid the common pitfalls that so often destroy wealth from stock options.
