T.J. van Gerven

T.J. van Gerven
In this podcast episode, I discuss a common problem with exercising incentive stock options (ISOs) to try to optimize for long-term capital gain (LTCG) treatment. I also discuss potential cash flow issues when you're caught off guard by potential alternative minimum tax (AMT) exposure. If you’re concerned about FOMO, it's important to remind yourself how much illiquid “skin in the game” you still have. Don’t keep playing a game you’ve already won to try to save a little bit on taxes.
An Overlooked Problem With Exercising ISOs To Try To Optimize For LTCG
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In this podcast episode, I discuss why you should be focusing on negotiating your equity compensation instead of your salary, especially earlier in your career. Equity ownership is the surest path to wealth. If you're going to work your butt off for a company, make sure you strive to get your fair share. If you end up receiving a windfall from your equity compensation, it can set you up for the rest of your life on the path to financial independence.
Don't Negotiate Your Salary. Negotiate Your Equity Compensation.
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_Tp8b8MPQ7oM
In this podcast episode, I discuss if you should factor in not yet vested employee equity compensation (whether RSUs or Stock Options) in your overall asset allocation. I also discuss ways to determine what percentage of your net worth you should feel comfortable owning in a single asset (in this case, your company's stock). If you've won the game, why are you still playing?
Should You Factor In Unvested RSUs and Stock Options In Your Asset Allocation?
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_ITdSPjmcO2Y
In this podcast episode, I break down what an 83(b) election is and why employees of startups should consider filing one. I also explain situations when filing an 83(b) election may not make sense.
Why Startup Employees Need To Consider An 83(b) Election On Restricted Stock
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In this podcast episode, I explain why Restricted Stock Units (RSUs) are preferable to stock options as equity compensation. I also break down a common misconception about how RSUs are taxed.
Why RSUs Are Preferable To Stock Options As Equity Compensation
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_j_hQIRbQOLg
In this podcast episode, I break down why you should be maxing a Backdoor Roth IRA in addition to your 401(k).
Why You Should Be Using A (Backdoor) Roth IRA In Addition To Your 401(k)
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_FemKxLAMCpA
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TJ van Gerven
TJvanGervenTJ van Gerven@TJvanGerven·
11 May

Just set an out-of-office vacation responder for the first time in three years.

Next stop Yosemite National Park!

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TJvanGervenTJ van Gerven@TJvanGerven·
11 May

A common problem with exercising ISOs to try to optimize for LTCG is that most people disregard concentration risk with remaining unvested equity.

Don’t keep playing a game you’ve already won to try to save a little bit on taxes.

Reply on Twitter 1391937461119508481Retweet on Twitter 13919374611195084811Like on Twitter 139193746111950848116Twitter 1391937461119508481
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tj_vangerven

⁣Founder of Modern Wealth Builders⁣ ⁣
⁣
Helping equity compensated employees optimize taxes and plan for financial independence.⁣

TJ van Gerven, CFP®