Financial Resources & News

A Brief Guide to Equity Compensation Types

By:  Paul Horn, CFP®, CPWA® Senior Financial Planner We live in a world that admires hard workers. As we grow up, we try our best to get into the best universities, graduate with honors, and have a solid start to our careers. We dream about having a job with a big title and everything that comes with it; financial liberty, luxurious trips, more time with loved ones, experience,...

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Employee Stock Purchase Plans (Part 3)

By:  Paul Horn, CFP®, CPWA®, Senior Financial Planner As the final part of the series, we look at Employee Stock Purchase Plans (ESPP). Although these are not explicitly for executives, this is an important benefit that is not well understood and often underutilized. In case you missed Part 1 on Deferred Comp plans and Part 2 on Stock Options, read here and here, respectively. Employee Stock...

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The ABCs of RSUs, NSOs, and ISOs (Part 2)

By:  Paul Horn, CFP®, CPWA®, Senior Financial Planner In the first part of this series, we reviewed deferred compensation plans. This week we are looking at stock options. Stock Options There are 3 basic forms of stock options that we will review today. We will look at them from most to least common: Restricted Stock Units (RSUs) Restricted Stock Units (RSUs) are the most common form of stock...

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Understanding Executive Compensation: Deferred Compensation (Part 1)

By:  Paul Horn, CFP®, CPWA®, Senior Financial Planner You’ve likely daydreamed about the future. A future where you spend the weekend relaxing in front of the lake, and your grandkids run while you open a bottle of fine wine. Reducing preoccupations and enjoying the small details in life come from hard work and dedication. Undeniably, money buys necessities and luxuries in life. Though somewhat...

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A Beginner’s Guide to Deferred Compensation

By:  Paul Horn, CFP®, CPWA®, Senior Financial Planner | Wealth Manager Understanding the Basics A Non-Qualified Deferred Compensation (NQDC) plan allows individuals to defer a portion of their income now and then withdrawal the money typically in retirement when their income is lower. Most of the time the amount of money deferred can be invested in stocks or bonds so the money can grow over...

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