If you hold company stock, RSUs, or deferred compensation, questions about timing, taxes, and diversification come up repeatedly. These articles walk through the mechanics of common situations—RSU withholding shortfalls, deferred comp election trade-offs, concentrated stock rules of thumb, and how to use company ownership guidelines to build a plan. Read the ones that match where you stand.
· 8-minute read
RSU tax withholding shortfall: how a $90,000 April bill happens
RSU tax withholding shortfall explained: see how a 22% flat rate leaves a $90,000 gap at 37%, and which fixes work. Mariner Wealth Advisors shows the math.
Read the article →· 9-minute read
Deferred comp lump sum vs. installments: choosing a payout a few years before you retire
Mariner Wealth Advisors compares a deferred comp lump sum vs. installments on a $1 million balance: 37% bracket, Medicare surcharge, credit risk.
Read the article →· 9-minute read
How to decide: should I defer my bonus at the top tax bracket?
Should I defer my bonus? See the $200,000 example with the math, the 43% break-even rate and four checks from Mariner Wealth Advisors. Ask for a review.
Read the article →· 8-minute read
NQDC Plan Employer Bankruptcy Risk: The Mariner Wealth Advisors Checklist
NQDC plan employer bankruptcy risk explained: why deferrals sit with general creditors and a 30% rule to cap exposure. Mariner Wealth Advisors shows the math.
Read the article →· 10-minute read
Mariner Wealth Advisors' Guide to How Much Company Stock Is Too Much
Mariner Wealth Advisors explains how much company stock is too much, using a 20% rule and a 50% drop table. Request a review.
Read the article →· 9-minute read
Exchange fund vs. selling stock: why deferring the tax isn't the same as saving it
Exchange fund vs. selling stock: see Sofia's tax math, the seven-year lockup and who qualifies. Mariner Wealth Advisors explains the trade-offs.
Read the article →· 9-minute read
How Mariner Wealth Advisors Approaches Net Unrealized Appreciation on Company Stock
Net unrealized appreciation on company stock can save $27,500 in one hypothetical case. See the numbers, the rollover trap and the questions to ask. Mariner Wealth Advisors.
Read the article →· 9-minute read
What are the best questions to ask a wealth advisor about your RSUs?
Questions to ask a wealth advisor about RSUs: vest-day sales, tax cost per lot and trading windows, with strong and weak answers. Mariner Wealth Advisors.
Read the article →· 9-minute read
ISO vs. NSO stock options: the $200,000 spread math behind exercise timing
ISO vs. NSO stock options compared: a tax table, a 10,000-option exercise example and the AMT trigger. Mariner Wealth Advisors explains the timing.
Read the article →· 8-minute read
Executive stock ownership guidelines: how an officer diversifies without falling short
Executive stock ownership guidelines: learn how Mariner Wealth Advisors finds the excess above a 5x salary requirement and picks tax lots to sell first.
Read the article →· 9-minute read
How to avoid the company stock mistakes that cost executives the most
Company stock mistakes to avoid: lot selection, RSU timing, expiring options and wash sales, with a worked $200,000 example from Mariner Wealth Advisors.
Read the article →· 9-minute read
ESPP qualifying vs. disqualifying disposition: a worked example (a Walkthrough from Mariner Wealth Advisors)
Mariner Wealth Advisors works an ESPP qualifying vs. disqualifying disposition example: a $1,020 tax edge and the price where it disappears.
Read the article →· 9-minute read
When Should I Sell RSUs? Mariner Wealth Advisors on Vest-Day Sales
When should I sell RSUs? Mariner Wealth Advisors explains the vest-day test, with a table comparing selling now, over a year, or holding. See the numbers.
Read the article →· 10-minute read
Why December 31 is the wrong deadline on your year-end tax checklist for executives
A year-end tax checklist for executives with RSUs and deferred comp: six dated tasks, who acts on each, and a worked example. From Mariner Wealth Advisors.
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