Month: July 2025
Going Public? 5 IPO Planning Tips for Employees with Stock Comp

Going Public? 5 IPO Planning Tips for Employees with Stock Comp

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Your company’s IPO can be a major financial opportunity, or a costly misstep if you’re not prepared. In this episode, Matt walks you through what really happens when your private company goes public, and the five things every employee with stock compensation needs to know before making a move. It’s often more complex than most people realize, so it pays to be prepared.

Here’s some of what we discuss in this episode:

📈 IPO 101: What really happens behind the scenes

🪙 RSUs vs. ISOs vs. NSOs – Know the difference

🧠 Common mistakes around timing, taxes, and emotional decision-making

📊 Strategies to consider: Selling, diversification, and long-term planning

0:00 – Intro

0:56 – #1: Understanding the IPO Timeline

1:52 – #2: Know What You Own (ISOs & NSOs)

3:21 – Restricted Equity

4:29 – Vesting Schedules

5:03 – #3: Taxes Are a Big Deal

7:47 – #4: Lockup Expiry ≠ Immediate Payday

9:15 – #5: Financial Planning Opportunities

Other Resources

📌Our website: https://www.perspective6wealthadvisors.com/

📞Phone: (952) 225-0333

📧 Email: perspective6@savvyadvisors.com

🗓 Schedule your no-cost consultation: https://www.perspective6wealthadvisors.com/start-here/

📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6wealthadvisors.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/

📌Check out our other no-cost financial resources here: https://perspective6wealthadvisors.com/resource-center/

📲 Stay Connected

🎥 Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍LinkedIn: https:// www.linkedin.com/company/perspective-6-wealth-advisors

Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products or services mentioned here are independent of Savvy Advisors, Inc.
The One Big Beautiful Bill Breakdown

The One Big Beautiful Bill Breakdown

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A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). While most headlines are focused on the politics, we’re zeroing in on what it means if you’re retired, a business owner, have stock compensation, or are thinking about estate planning. The decisions you make in the next year or two could significantly affect how much of your wealth you keep and how much goes to Uncle Sam. In this episode, Matt breaks down the four major areas of the bill and how they’re likely to impact the people he advises.

Here’s some of what we discuss in this episode:

📈 New tax relief and planning opportunities for retirees

💸 Big updates to Qualified Small Business Stock (QSBS) rules

🧾 AMT relief that makes stock option strategies more favorable

💼 Permanent changes for business owners, including the 20% QBI deduction

🏰 The major increase in estate tax exemptions

0:00 – Intro

0:41 – Boost in Standard Deduction

1:36 – Tax Bracket Certainty

2:05 –SALT Deduction Relief

3:05 – QSBS Expansion Revolution

4:10 – AMT Relief

5:00 – QBI Deduction Made Permanent

5:49 – Massive Exemption Increases

7:02 – Recap and Free Visual Breakdown

Resources for this episode:

Mind Map Download

Other Resources

📌Our website: https://www.perspective6wealthadvisors.com/

📞Phone: (952) 225-0333

📧 Email: perspective6@savvyadvisors.com

🗓 Schedule your no-cost consultation: https://www.perspective6wealthadvisors.com/start-here/

📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6wealthadvisors.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/

📌Check out our other no-cost financial resources here: https://perspective6wealthadvisors.com/resource-center/

📲 Stay Connected

🎥 Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍LinkedIn: https:// www.linkedin.com/company/perspective-6-wealth-advisors

Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products or services mentioned here are independent of Savvy Advisors, Inc.
You Just Got Some RSUs- Now What?

You Just Got Some RSUs- Now What?

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In this episode, Matt dives into one of the most common forms of equity compensation: Restricted Stock Units (RSUs). If your company just handed you some stock, you may be asking yourself, “What now?” Matt walks through three key questions that will help you move forward with confidence. He also shares practical tips for tracking your vesting schedule and deciding whether to hold or sell your shares.

Here’s some of what we discuss in this episode:

📅 Why setting vesting alerts can prevent missed opportunities

💵 Treat RSUs like cash: Make thoughtful sell-or-hold decisions

🧾 Why careful tax planning is needed for RSUs

🏦 Capital gains taxes: What you don’t want to overlook

🎯 Making RSUs work with your bigger financial plan

0:00 – Intro

1:03 – #1: What to do with your stock?

3:10 – #2: How are taxes handled?

6:38 – #3: How much should I sell/keep?

8:46 – Recap & Final Thoughts

Resources for this episode:

Plan Your Stock Compensation for the Year

Tax Reporting for Stock Compensation

Other Resources

📌Our website: https://www.perspective6wealthadvisors.com/

📞Phone: (952) 225-0333

📧 Email: perspective6@savvyadvisors.com

🗓 Schedule your no-cost consultation: https://www.perspective6wealthadvisors.com/start-here/

📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6wealthadvisors.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/

📌Check out our other no-cost financial resources here: https://perspective6wealthadvisors.com/resource-center/

📲 Stay Connected

🎥 Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍LinkedIn: https:// www.linkedin.com/company/perspective-6-wealth-advisors

Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products or services mentioned here are independent of Savvy Advisors, Inc.