◈ Homepage — https://kbfinancialadvisors.com/Skip to content Our New Blog Post is Live! When Should You Exercise Stock Options Before an IPO? A Real Guide for Tech Employees Read Now What We Do Equity Comp Success Stories About Us Blogs & Videos Tools Book a Call #1 San Francisco Financial Advisors for Tech, Equity, & RSUs Stock options, smart investments, and tax strategy for tech professionals & founders. Let's Chat KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io ◈ Interior Pages — 25 pages crawledAbout Us – Expert Financial Services Team Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call You have a big opportunity to build wealth Our team of experienced tech financial advisors are here to help you achieve it. Schedule Your Call Meet the leadership team at KB Financial Advisors Jackie Kleinman CFP Jackie Kleinman, CFP™, is the principal of KB Financial Advisors. Read Bio Jackie Kleinman, CFP™, is the principal of KB Financial Advisors. Jackie started her career in financial planning in 1996 at an insurance and brokerage firm. She enjoyed the client interaction, but was bothered by the conflict of interest inherent in commission planning. In 2002, as an advocate of fee-only planning, she opened her doors to assist clients in growing their wealth and enhancing their lifestyles by combining investment advice, taxes and setting each individual’s priorities and goals. Credentials CFP® designation (Certified Financial Planner) Founded KB Financial Advisors in 2002 as an advocate of fee-only planning 28+ years in financial planning (career started 1996) Co-author of “The AdviseHERy Board: Create Support, Solve Issues, Grow Business” (with Karen Colligan and Lynn Forbes) Featured In Authority Magazine — Women Leading The Finance Industry U.S. News Financial Advisors profile Landon Loveall CFP Landon has led the On Your Way to Wealth program since 2014 to help busy tech professionals. Read Bio Since passing the Certified Financial Planner (CFP) exam in November 2009, Landon has dedicated himself to the needs of busy young professionals. Before joining KB Financial Advisors in 2012, Landon founded Cumberland Wealth Planners in 2010 to serve clients in Nashville, TN. Landon took over the On Your Way to Wealth program in 2014 to help KB Financial Advisors further expand their work with young tech professionals in San Francisco who have stock options. When he’s not on a plane to San Francisco, Landon lives in Nashville, TN with his wife Melissa and their three children. Credentials CFP® designation (Certified Financial Planner) since November 2009 Lead of On Your Way to Wealth program for tech founders, FAANG employees, and pre-liquidity startup employees Founder of Cumberland Wealth Planners (2010, merged with KB in 2015) Specializes in RSUs, ISOs, NSOs, ESPPs, 83(b) elections, AMT planning, QSBS qualification, and pre-IPO preparation Featured In Authority Magazine — The Five Essentials of Smart Investing Authority Magazine — 5 Things To Look For When Hiring a Financial Planner A Geek Leader Podcast — Ep. 363 Money Alignment Academy / Aligned Money Show Financial Freedom Podcast — Ep. 208: Understanding Stock Options Chelsea Rustek Tax Manager Chelsea is an Enrolled Agent, working in the taxation field since 2014, with a concentrated focus on individual and small business tax preparation. Read Bio Chelsea is an Enrolled Agent (EA), working in the taxation field since 2014. Chelsea is also an Equity Compensation Associate (ECA) through Santa Clara University, she brings advanced tax knowledge in equity compensation to our team. Chelsea’s expertise encompasses various stock option compensations, IPOs, and tax planning, allowing her to work closely with financial advisors to mitigate tax risks and burdens for our clients. Credentials Enrolled Agent (EA) with the IRS Equity Compensation Associate (ECA) via Santa Clara University In tax practice since 2014 Specializes in RSU, ISO, NSO, ESPP, and QSBS tax reporting, plus AMT planning for early-stage option exercises Featured In Tax Practice Podcast — Ep. 45: Should You Add Tax Services to Your Practice? Kayla Benjamin CFP Kayla Benjamin, CFP® is an Associate Advisor at KB Financial Advisors. Read Bio Kayla Benjamin, CFP® is an Associate Advisor at KB Financial Advisors. She works closely with clients throughout their financial journey, from onboarding to long-term strategic planning, ensuring they feel supported and confident every step of the way. Known for her ability to make complex financial scenarios easy to understand, Kayla helps clients connect the numbers to their bigger goals so they can see how today’s decisions shape their future. Her favorite part of the job is building long-term partnerships and celebrating milestones alongside the clients she serves. Based in Denver, she enjoys snowboarding, mountain biking, and hiking. Her favorite pastime is fly fishing on Colorado’s rivers and high alpine lakes. Credentials CFP® designation (Certified Financial Planner) Associate Advisor at KB Financial Advisors Featured In Authority Magazine A Geek Leader Podcast Money Alignment Academy Financial Freedom Podcast Tax Practice Podcast U.S. News Personalized Service Your goals, your life, your plan. We take the time to understand what matters most to you and tailor our approach to fit your needs—no generic advice, just strategies designed specifically for you. Proactive Advice You don’t have to come to us—we come to you. We stay ahead of the curve and reach out whenever we spot changes that could impact your financial situation. Complete Life Planning As your life and career evolve, so do your financial needs. Whether you’re navigating rising stock options, switching careers, or starting a family, we’re here to help you stay ahead of the game. The KB Advisors Difference We've specialized in tech financial advising for more than 30 years Common frustrations: “I don’t have time to research investments” “My salary is taking off" “What do I do with my stock options?” “I want to invest in property” “I don’t want to miss out on millions” “I’ve been hit with a big tax bill” Working with KB Advisors: Personalized investment management Paycheck allocation: cash, emergencies, investments Equity compensation planning Goal-based financial planning Diversified long-term wealth strategies Year-round tax projections Imagine life in 3 years with a better financial advisor behind you Picture yourself three years from now—still stuck in financial paralysis or confidently enjoying your future? Let’s work together to get you to the second one. Book an introductory call to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms Tax Accountant San Francisco for Tech Professionals Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call San Francisco Tax Accountant — Strategy for Tech Professionals Forecast Tax Payments. Reduce your Tax Bill. Hassle-free Filing. Schedule a Call Tech compensation can make taxes unpredictable & expensive You’ve been hit with a big, unexpected tax bill, leaving you scrambling You’re unsure of what you’ll owe this year and worried about surprises Your company stock is performing well, & suddenly your taxes skyrocket With KB Advisors, you’ll never have any surprises at tax time Your tax situation isn’t static, and neither is our service. Life happens—changing jobs, receiving a new RSU grant, or making a big business investment can all have a huge impact on your taxes. That’s why we don’t just talk to you at tax time—we’re here year-round to ensure you’re always in control. Prepare for your taxes Get an annual tax projection so you know exactly what you’ll owe this year Get an annual tax projection We calculate your expected tax bill in advance, so there are no surprises when tax season arrives. Prepare for stock value fluctutations We help you plan for changes in stock value, ensuring you’re ready for any market shift that impacts your taxes. done-for-you estimated tax payments We don’t just file your taxes and hope for the best—we provide ongoing support, making sure your estimated tax payments are right on track, year-round. Whether it’s a change in your job, a new equity grant, or an increase in income, we’ll adjust your estimates to match your financial situation. This way, you’re never hit with an unexpected bill when tax season rolls around. File your taxes on time & accurately Get clear instructions & deadlines, and we’ll take care of the rest We handle the entire filing process From start to finish, we take care of all the paperwork, ensuring your taxes are filed correctly and on time. Ensure equity compensation is filed correctly We make sure your stock options and RSUs are reported accurately, so you don’t risk misreporting or overpaying. We make sure you only pay what you owe No more guessing—our strategy ensures you’re not overpaying, so you can keep more of your hard-earned money. Get year-round tax support Adjust your taxes as things change throughout the year Raise? Bonus? New Job? Whether it’s a raise, bonus, or job change, we’ll adjust your tax strategy to keep you on track. We handle the IRS and state agencies for you Leave the IRS and state agencies to us—we’ll handle all the communication, so you don’t have to stress. We’ll fix any tax notices or mistakes Got a surprise tax notice? We’ll fix the issue and make sure you don’t pay more than you should. How we work High-income tax planning is just one piece of the bigger wealth picture We integrate tax planning with your overall wealth strategy, ensuring every financial move works toward your long-term goals. From managing high-income taxes to creating a customized investment plan, we cover all angles. Financial whiteboard & planning We start with a clear, actionable roadmap for your financial future—helping you prioritize goals and make informed decisions every step of the way. Learn More Tax strategy, filing, & advisory We don’t just file your taxes—we strategize, so you’re always ahead of the game. Our year-round tax advisory ensures you avoid costly mistakes and optimize your tax situation for maximum savings.  Get Started Wealth investment handling Your wealth is about more than just savings. We build and manage investment strategies that align with your life goals, growth, and risk tolerance, giving you peace of mind while building long-term wealth. To further support your long-term goals, we also offer comprehensive Financial Planning services that integrate seamlessly with your investment strategy. Explore Finally—San Francisco tax accountants you’ll love working with We come up with the tax plan, so you don’t have to Instead of scrambling at tax time, we create a customized tax strategy that anticipates your future liabilities, tax accountant. We track your stock options, RSUs, and any new developments in your financial life—so you’re always prepared. We forecast what you’ll owe and keep you on track to minimize tax liabilities, so there are no surprises down the road. When life changes, we update your tax plan to keep you penalty-free and on track Your life and income change often—raises, bonuses, new jobs, and investments all affect your tax situation, tax accountant. When these changes occur, we immediately adjust your tax plan, ensuring you’re never caught off guard by a surprise tax bill or an underpayment penalty. We’ll handle any tax notices, IRS queries, or mistakes on your behalf Lately, the IRS has been sending out more notices than ever before, many of which are wrong, tax accountant. If you’ve received a notice saying you owe thousands more than you actually do, we’ll step in. We’ll handle the IRS and state agencies for you, making sure you’re not overpaying or paying for mistakes that aren’t your fault. Why We Are Different We’ve been San Francisco tax accountants for more than 30 years Tax & Planning FAQs Lorem ipsum dolor sit amet? Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus. Vitae ac mauris faucibus enim consectetur? Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus. Fermentum eget tortor? Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus. Pharetra maecenas purus et ut penatibus? Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus. Keep more of your hard-earned money in your pocket with KB Advisors Your tax burden is constantly changing. Work with San Francisco tax accountants who understand the fluctuations of your income, equity, and life events. Book an introductory call to see how we can help by visiting KB Financial Advisors . Tax planning is just the start of your wealth journey Create a financial roadmap Explore Diversity your investments Explore Manage your equity compensation Explore KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stori Who we work with - tech founders - KB Advisors | tech founders Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call We Work With Tech Founders Who... Need help planning for IPOs, mergers, and acquisitions to ensure their equity works for them—not against them. Let's Chat Does this sound like you? Your poorly structured equity is leaving you with a massive tax bill You’re unsure how to handle the financial implications of your IPO Your personal wealth planning has taken a back seat to growing your company We’ve been helping founders plan, grow, and manage their wealth for more than 30 years From structuring equity to minimize taxes to creating tailored investment portfolios, we bring a deep understanding of the unique needs founders face. Take advantage of valuable tax benefits Unlock the power of Qualified Small Business Stock (QSBS) Founders of startups often qualify for QSBS tax benefits, which can significantly reduce or even eliminate taxes on the sale of equity. We’ll guide you through the eligibility requirements, help you structure your stock appropriately, and ensure you’re taking full advantage of this valuable tax benefit. Whether you’re preparing for a liquidity event or planning a long-term strategy, we’ll make sure you’re positioned to save as much as possible under the QSBS exemption. Amplify your wealth Plan for wealth around your exit and other major life milestones Exiting your company or hitting a major milestone—like an IPO or acquisition—requires careful planning to protect your wealth. We help founders prepare for these events by creating a roadmap that aligns your financial goals with your personal priorities. This might include strategies to handle a windfall, reduce taxes on the sale of equity, or plan for philanthropic giving. We also guide you through life transitions, like buying a home, starting a family, or funding your next venture. Every plan we create is tailored to your vision, ensuring you’re financially ready for whatever comes next. Make smarter investments Explore bold investment strategies, and have us manage them for you We help founders make their money work for them by building investment plans that match their goals. Whether you want to spread out your wealth after a big exit or explore new opportunities, we create a plan that fits your needs. We focus on finding smart opportunities while managing risk, so you can grow your wealth without unnecessary worry. Once the plan is in place, we take care of the ongoing management, saving you time and energy. With us handling the details, you can stay focused on your next venture or simply enjoy the rewards of your hard work.   We specialize in financial planning for founders’ equity compensation Qualified Small Business Stock (QSBS) Restricted Stock Units (RSU) Learn more Non-Qualified Stock Options (NSOs) Learn more Incentive Stock Options (ISOs) Learn more The KB Advisors Difference We turn the chaotic finances of busy professionals into a clearly defined plan Common frustrations: “I don’t have time to research investments” "I have too much cash in my bank account!" “What do I do with my stock options?” “I want to invest in property” “I don’t want to miss out on millions” “I’ve been hit with a big tax bill” Working with KB Advisors: Personalized investment management Cash allocated to investments automatically Equity compensation planning Goal-based financial planning Diversified long-term wealth strategies Active, ongoing tax planning and preparation We’ve helped tech founders navigate IPOs for more than 30 years Keep more of your hard-earned money with KB Financial Advisors Keep more of the money you’ve worked so hard for. At KB Financial Advisors, we’ll help you make sense of your equity and taxes, so you can hold onto more of what you’ve earned. Schedule a quick call to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io RSU Taxation for Tech Professionals | KB Financial Advisors Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call RSU Tax Planning for Tech Professionals: RSU Taxation Planning for Tech Professionals — Withholding & Timing RSUs Taxation don’t have to be complicated. At KB Financial Advisors, we break down the tax rules, timing strategies, and financial decisions around your RSUs so you can make the most of your compensation with confidence. Let's Chat Without solid advice, your RSUs could lead to... Major underwithholding issues Hitting you with a bigger tax bill than expected Wondering if you should sell or hold With huge consequences of the wrong decision Growing stress & uncertainty As the value grows more over time We help you make smarter decisions about RSUs taxation Smarter Tax Planning Avoid expensive tax surprises RSU Taxation are an important part of your compensation, but they can come with hefty tax bills if you’re not prepared. We help you understand how taxes affect your RSUs, from when they vest to when you sell them. This includes figuring out the taxes due at vesting, planning for capital gains when you sell, and tackling any extra taxes like Medicare if needed. Our approach gives you a clear, personalized plan to make sure your RSUs fit into your overall financial goals while keeping your taxes as low as possible. Get expert advice Take the emotion out of selling vs. holding Managing RSU taxation isn’t just a one-and-done decision—it’s something that needs attention as your career, goals, and tax laws change. We work with you regularly to adjust your strategy, ensuring it stays up to date with your evolving situation. We also provide tools to help you keep track of vesting schedules and deadlines, so you’re always on top of things. Our advice is straightforward and focused on helping you make smart, long-term decisions without letting emotions get in the way. Time it right Find the optimal time to sell Selling your RSU taxation at the wrong time can mean paying more in taxes than necessary or missing out on better opportunities. We help you decide when to sell by looking at both the tax impact and your financial goals. For example, we’ll figure out if it makes sense to hold your shares for a year to get lower long-term capital gains rates or if selling right after they vest works better for your situation. We also help you plan around big events like buying a home or changes in income to make sure your approach is smart and efficient. Timing is key, and we ensure your decisions are thoughtful and informed, not based on guesswork or emotions. We also offer guidance on Incentive Stock Options to help you make informed decisions and optimize your strategy. We’ve helped hundreds of tech professionals maximize their RSU compensation We align your RSUs to your broader financial goals Your RSU taxation are just one piece of your financial picture. We ensure they work seamlessly with your overall plan, whether you're saving for a home, planning for retirement, or building long-term wealth. You’ll get clear, personalized guidance on when to hold or sell We simplify complex decisions by tailoring advice to your specific situation. You'll know exactly when to sell or hold based on your financial goals and tax considerations. We help you avoid emotional mistakes that could cost you thousands Making decisions about your RSUs can be stressful, especially with taxes and market changes to consider. We provide clear, practical advice to help you avoid costly missteps and stay focused on your long-term goals. Free RSU withholding calculator What is the tax impact of your RSUs this year? Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus faucibus ac. Duis duis nascetur id penatibus cras tincidunt mattis. Use Our Calculator We help with more than just RSUs Qualified Small Business Stock (QSBS) Non-Qualified Stock Options (NSOs) Explore Incentive Stock Options (ISOs) Explore Just ask our happy clients Make smarter decisions with your RSU taxation We’ve seen clients lose millions by not knowing how to plan for and handle their RSUs taxation. Don’t let that happen to you. Schedule a quick call today and see how we can help. Learn more about how we can help by visiting our KB Financial Advisors home page.   KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Watch Videos About RSUs, Equity, Stock Options Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Explore Our Videos Learn key financial concepts in minutes. RSUs Tax Planning All Categories Search Tech Workers: Don’t Miss These 2025 Tax Deadlines! How to Gift QSBS Shares the Right Way 💸 | Save Millions in Taxes with This Strategy The Founder’s Guide to the 83(b) Election (Save BIG on Startup Taxes) Selling Your Company? Here’s the 12-Month Game Plan to Minimize Taxes and Maximize Your Exit 💰 Should You Sell RSUs at a Loss? (Here’s When It Actually Makes Sense) What REALLY Happens to Your Stock Options After an IPO (Explained Simply) Are You Financially Independent? How to Calculate Your FI Number What Is AMT? Alternative Minimum Tax Explained for 2025 Previous Page 1 Page 2 Next KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Non-Qualified Stock Options Tax Planning For Professional Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Non-Qualified Stock Options (NSO) Non-Qualified Stock Options Tax Planning for Tech Professionals Non qualified stock options (NSOs) can be a great way to build wealth, but they come with their own set of tax implications. Understanding when to exercise, how taxes are applied, and timing your sale can make all the difference. Let's Chat Facing uncertainty with how to handle your NSOs? Don’t get stuck with a huge tax bill Don’t get burned by a falling stock price Avoid higher tax bracket shock We help you make smarter decisions about your non qualified stock options Smarter Tax Planning Calculate the potential tax hit when you exercise your NSOs When you exercise your non qualified stock options, it triggers a tax event. We walk you through exactly how much you could owe in taxes right then, including the ordinary income tax you’ll face on the difference between your exercise price and the stock’s fair market value. By helping you calculate the tax impact, we ensure there are no surprises when you make your move. Time it right Pick the perfect time to exercise The timing of when you exercise your Non qualified stock options (NSOs) can significantly affect your tax situation and financial outcome. We help you analyze factors like stock price, market trends, and your personal tax bracket to determine the most tax-efficient time to exercise. Our goal is to make sure you exercise your options at a time that aligns with your financial strategy. Get clear guidance Make informed sell or hold decisions Deciding whether to sell your shares immediately after exercising your Non qualified stock options (NSOs) or holding onto them can be tricky. We help you assess your options by looking at market conditions, your overall financial goals, and potential tax implications. Whether you’re aiming to lock in gains right away or hold for a longer-term strategy, we’ll help you make an informed decision based on your unique situation. We help hundreds of tech professionals maximize their tech compensation We align your NSOs with your broader financial goals We don’t just look at your non-qualified stock options in isolation; we view them in the context of your complete financial picture. You’ll get clear, personalized guidance on when to hold or sell We provide straightforward, personalized advice, helping you evaluate the market, your financial situation, and your goals to make the best decision on when to sell or hold. We help you avoid emotional mistakes that could cost you thousands Whether it’s avoiding the temptation to hold onto an option for too long or reacting impulsively to market changes, we ensure your financial strategy is driven by sound decisions. We manage every aspect of your tech compensation Restricted Stock Units (RSUs) Restricted Stock Units (RSUs) are a great perk, but they can come with a big tax bill. We’ll guide you through when to sell and how to minimize taxes, keeping you on track with your financial goals. Learn More Qualified Small Business Stock (QSBS) Have QSBS in your compensation package? Let’s make sure you’re taking full advantage of the tax breaks that come with it and setting you up for long-term success. Incentive Stock Options (ISOs) ISOs are a great tool for building wealth, but the tax implications can be complex. We develop a strategy that optimizes the timing of your ISO exercises and sales, so you don’t get caught off guard. Discover how we can support you with our service Qualified Small Business Stock (QSBS) Explore Don't just take our word for it! Not sure what to do with your non-qualified stock options? Let’s talk. Kb Financial Advisors will help you figure out the best time to exercise, how to minimize taxes, and make sure your options align with your financial goals. Book your introductory call today. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Terms and Conditions - KB Advisors | Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Terms and Conditions Last Updated: April 15, 2026 Welcome to the website of KB Financial Advisors (“the Firm”). By accessing or using this website, you agree to comply with and be bound by the following terms and conditions. If you do not agree to these terms, please do not use this website. 1. No Professional Advice or CPA-Client Relationship The content provided on this website, including but not limited to articles, tax alerts, calculators, and blog posts, is for informational purposes only. Nothing on this website constitutes professional accounting, tax, financial, or legal advice. Your use of this website, including the transmission of information via contact forms or email, does not create a CPA-client or any other professional relationship between you and the Firm. You should not act or rely upon any information on this site without seeking the advice of a competent professional licensed in your jurisdiction. 2. Accuracy of Information While we strive to provide accurate and up-to-date information, tax laws and regulations change frequently. 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Your continued use of the site following any changes constitutes your acceptance of the new terms. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io AMT Calculator: Estimate Your Tax on ISO Exercises Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call FREE CALCULATOR Try Our Free AMT Calculator Use our AMT calculator to estimate how much AMT  you may owe and understand how your ISO exercise could impact your tax bill.  Use 2025 AMT Calculator Using Our AMT Calculator If you’ve exercised Incentive Stock Options (ISOs) and didn’t sell them in the same year, you may be liable for Alternative Minimum Tax (AMT) when filing your taxes. The AMT is a separate tax calculation that applies to certain high-income earners and can catch ISO holders off guard, leading to an unexpected tax bill. Our AMT calculator helps you estimate how much you might owe and how your ISO exercise may impact your tax obligations. Plan ahead and avoid surprises by entering just a few key details: Your income Filing status Strike price Current fair market value (FMV) of your shares How many options you exercised (or you’re thinking of exercising) After you have your AMT calculation, compare it to your regular income tax. Whichever yields the higher amount is what you’ll owe to the IRS. 2025 US Federal AMT Calculator Input income and exercise details in white cells below. Adjusted Gross Income $ Filing status Single Married Filing Jointly FMV of your shares $ Strike price $ # of ISOs exercised: Calculate Get Results Now Submit AMT Payable $ 0.00 Your calculated AMT liability is $0 because your total AMT income is below the applicable threshold (Single: $88,100, Married: $137,000). This typically occurs when the fair market value (FMV) of your exercised options is relatively low, resulting in no additional AMT owed. Please consult a tax professional to confirm your specific tax obligations. Calculator assumptions Standard tax deduction, this ISO exercise is the only AMT preference item. This model does not include state taxes. Assumes no other ISO exercises or other AMT preference items for the year. Assumes income is taxed as ordinary income (vs long term capital gains). Does not include an option for married filing separately, head of household. Disclaimers This calculator is provided for informational purposes only by KB Financial Advisors. We do not provide legal, tax, or financial advice, and the use of this calculator should not be considered a substitute for professional advice or services. It is not intended to be relied upon as the sole basis for any financial or tax decisions. Use of this calculator is entirely at your own risk, and KB Financial Advisors assumes no liability for its use or the accuracy of its results. We do not guarantee that this calculator will be applicable to your specific situation, and we make no representations or warranties, express or implied, including but not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement. Imagine your life in 3 years with a better financial advisor behind you Need personalized, 1:1 guidance? Here at KB Financial Advisors, we can help you navigate AMT calculations, tax planning strategies, and the best approach for your specific financial situation. Book your introductory call today. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2026. All Rights Reserved Linkedin Facebook Twitter Youtube KB Financial Advisors is an SEC-registered investment adviser. View our SEC adviser disclosure (CRD 134374) . This business is growing with Markology.io Qualified Small Business Stock Tax Guide Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Qualified Small Business Stock (QSBS) Taxation Turn a Complex Tax Break Into a Big Financial Win Qualified Small Business Stock (QSBS) offers an incredible opportunity to exclude up to $10 million in federal capital gains taxes—but getting it right isn’t always easy. At KB Financial Advisors, we simplify the rules, strategies, and decisions so you can focus on what matters: growing your wealth. Schedule Your Call Without the right guidance, QSBS can lead to... Missing out on key tax benefits Small missteps—like waiting too long to exercise or not holding shares long enough—can cost you millions in unnecessary taxes. Confusion about timing and eligibility Do your shares qualify? Should you sell now or hold for longer? The answers depend on complex rules that aren’t always clear. Stress over missed opportunities From advanced strategies like stacking and rollovers to navigating state tax rules, the stakes are high without a solid plan. We help you turn QSBS into an incredible financial advantage Smarter Tax Strategies Maximize your $10 million exclusion The Qualified Small Business Stock (QSBS) tax break is one of the most generous opportunities out there, but it’s only valuable if you qualify—and getting it wrong can cost you. That’s where we come in. We’ll help confirm that your shares meet the requirements under Section 1202, so you can take full advantage of the tax exclusions. From avoiding pitfalls like selling too soon to ensuring you document your eligibility properly, we’ve got you covered. And if you’re in a state like California, where QSBS doesn’t get the same treatment as federal taxes, we’ll guide you on how to navigate that too.  Proactive Planning Stay ahead of deadlines and decisions When it comes to Qualified Small Business Stock (QSBS), timing isn’t just important—it’s everything. We’ll work with you to decide the best time to exercise your options and start the five-year holding period required for the tax exclusion. If you’re looking to accelerate that timeline, we’ll help you explore strategies like early exercises and filing an 83(b) election. Plus, we’ll plan for key moments in your financial life, like a liquidity event or major purchases, so you’re always prepared. With a clear strategy in place, you can feel confident about every decision, knowing it’s part of a bigger picture. Advanced Wealth Strategies Think beyond $10 million For those with gains that exceed the $10 million Qualified Small Business Stock (QSBS) exclusion, we’ll show you how to take it even further. Stacking is one option: by gifting shares to trusts or family members, you can multiply the $10 million exclusion across multiple beneficiaries. Another approach is rolling over your QSBS proceeds into new qualified shares, allowing you to defer taxes and extend the growth potential of your investments. Big gains don’t have to come with equally big tax bills. We’ll help you make smart, strategic moves to keep more of what you’ve earned. Explore our related service on Equity Based Compensation to learn how we help you navigate complex equity strategies with confidence. Why choose KB Financial Advisors? Advice That Fits Your Situation Founders, early employees, and investors all face different challenges with QSBS. We tailor our advice to your specific needs, whether you’re trying to confirm your shares qualify, decide the right time to sell, or plan around a big life event. Our goal is to make sure your QSBS strategy works for you—not the other way around. Clear Guidance Through Complex Rules Qualified Small Business Stock (QSBS) rules can feel overwhelming—holding periods, tax exclusions, state differences—but we simplify it all. We’ll help you determine if your shares qualify, track key deadlines, and avoid common pitfalls like disqualifying your stock or paying unnecessary taxes. You’ll know exactly what steps to take, and when to take them. Protecting Your Hard-Earned Gains With Qualified Small Business Stock (QSBS), small mistakes can lead to big tax bills. We focus on strategies that save you money, like early exercises, gifting shares to trusts, or rolling over gains into new QSBS. Whether you’re navigating a $1 million or $10 million gain, we’ll help you keep as much of your wealth as possible. ISO alternative minimum tax (AMT) calculator Estimate the alternative minimum tax you may owe this year Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus faucibus ac. Duis duis nascetur id penatibus cras tincidunt mattis. Use Our Calculator We manage every aspect of your tech compensation Incentive Stock Options (ISOs) ISOs are a great tool for building wealth, but the tax implications can be complex. We develop a strategy that optimizes the timing of your ISO exercises and sales, so you don’t get caught off guard. Explore Non-Qualified Stock Options (NSOs) Exercising Non-Qualified Stock Options (NSOs) can feel overwhelming. We’ll help you time it right and avoid costly mistakes so you keep more of your hard-earned money. Explore Restricted Stock Units (RSU) Restricted Stock Units (RSUs) are a great perk, but they can come with a big tax bill. We’ll guide you through when to sell and how to minimize taxes, keeping you on track with your financial goals. Explore Don't just take our word for it. Take control of your QSBS taxes Not sure how to make the most of your Qualified Small Business Stock (QSBS) ? Let’s talk. We’ll help you create a clear, simple plan that fits your financial goals. Whether it’s figuring out if your shares qualify, deciding when to sell, or exploring ways to save on taxes, we’ll guide you at Kb Financial Advisors through it all—so you can focus on what matters most. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io When Should You Exercise Stock Options Before IPO? Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call IPO , Stock Options When Should You Exercise Stock Options Before an IPO? A Real Guide for Tech Employees Landon Loveall, CFP May 6, 2026 Contents Share You’ve been grinding at your startup for years. The IPO is finally on the horizon. Your stock options are sitting there, and you’re staring at a decision that could cost you hundreds of thousands of dollars if you get it wrong. Should you exercise stock options before IPO? Wait until after the IPO? What about taxes? We work with tech employees and founders navigating this exact situation every week. The truth is, there’s no universal answer. But there are frameworks that can help you make the right call for your situation. The Tax Math You Need to Understand First Let’s start with the biggest financial lever in this decision: taxes. When you exercise stock options after an IPO and sell simultaneously (what’s called a cashless exercise), you pay ordinary income tax rates. We’re talking up to 37% federal, plus state taxes. Taxes can make up a significant portion of the total cost to exercise stock options, often the largest single expense. But if you exercise before the IPO and hold those shares for at least 12 months, you qualify for long-term capital gains treatment. That’s roughly 20% federal (or less, depending on your income), potentially saving you 15-17% on every dollar of gain. Here’s where it gets tactical. The popular move is the six-month pre-IPO exercise. You exercise six months before the company goes public, sit through the typical six-month lockup period, and boom. You’ve hit the one-year holding requirement for long-term capital gains treatment right when you can finally sell. Sounds perfect, right? We're here to help Have questions or need help? Get in touch with us today. Let's Chat Not so fast. The Cash Flow Reality Check Exercising stock options before an IPO requires real money. Not theoretical money. Actual cash sitting in your bank account. Let’s look at an example. You have 100,000 options with a $1.50 strike price. The current fair market value is $3.25 per share. To exercise, you need $150,000 just for the purchase price. If these are non-qualified stock options (NSOs), you’ll also owe taxes on the spread between your strike price and the current valuation. That’s another $38,500 or more, depending on your tax bracket. You’re writing a check for nearly $190,000 for shares you can’t sell yet. And here’s the kicker: newly public companies are notoriously volatile. Pre-IPO valuations are typically at all-time highs. If the stock tanks after going public, you’re stuck holding illiquid shares that lost value while you still owe those taxes. We’ve seen this happen. It’s brutal. The Alternative Minimum Tax Trap for ISO Holders If you hold incentive stock options (ISOs), you face an additional complexity: the Alternative Minimum Tax (AMT). When you exercise ISOs and hold them through year-end without selling, the bargain element (the difference between your strike price and the fair market value) becomes taxable income for AMT purposes. The AMT rate is 26-28%, and you owe it even though you haven’t sold the shares or received any cash. This is what we call phantom income. You pay real taxes on paper gains. The good news? AMT payments often generate a dollar-for-dollar tax credit you can use in future years. It’s more of a timing issue than a permanent extra tax. But in the moment, it requires serious cash flow planning. The Biggest Mistake We See Employees Make Want to know the most common error? It’s not exercising at the wrong time. It’s not making a decision at all. Employees let options sit until they expire or until a forced timeline creates a bad decision under pressure. According to research from Carta, 46% of in-the-money options expired unexercised in 2022. That’s leaving money on the table because the decision felt too complicated or stressful. The second biggest mistake? Exercising everything at once without understanding the tax consequences, especially AMT for ISO holders. Both mistakes stem from the same root cause: not having a plan early enough. How to Actually Think Through This Decision Here’s the framework we use with clients: Step 1: Assess Your Cash Position Can you afford to exercise without touching your emergency fund or taking on debt? If not, the decision becomes much simpler. You probably shouldn’t exercise pre-IPO. Step 2: Understand Your Risk Tolerance You already have significant exposure to your company through your salary and existing equity. Adding more concentration by exercising early increases that risk. Even if the tax math says hold longer, your broader financial security might argue for selling earlier to diversify. We’ve worked with employees who held too much company stock post-IPO and watched it drop 60% in a year. The tax savings didn’t matter anymore. Step 3: Model the Tax Scenarios Run the numbers for different exercise and sale timing combinations. What do you owe if you exercise now versus after the IPO? What if the stock goes up 50%? What if it drops 30%? This isn’t guessing. It’s scenario planning. Step 4: Consider State-Specific Tax Changes If you live in Washington state, pay attention. A new 9.9% state income tax on household income above $1 million begins in 2028. That creates a closing window in 2026-2027 where exercising large option grants before the tax takes effect could save nearly 10% on every dollar above the threshold. State tax changes can materially shift the calculus. Step 5: Understand the Lockup Period and Trading Windows Lockup periods typically span six months post-IPO. Even after that, you can only sell during open trading windows (usually 4-6 weeks after quarterly earnings releases). Material non-public information provisions and insider trading restrictions may still prohibit transactions. You may not have unrestricted ability to sell in the first open trading window. Plan accordingly. When Exercising Early Makes Sense Exercising before an IPO can be the right move if: You have the cash to cover both the exercise price and taxes without financial strain. You believe in the company’s long-term prospects and can stomach the volatility. The tax savings from long-term capital gains treatment justify the liquidity risk. You’ve modeled worst-case scenarios and can handle them. Your overall portfolio won’t become dangerously concentrated in one stock. When Waiting Makes More Sense Waiting until after the IPO might be smarter if: You don’t have the cash to exercise without taking on debt or depleting savings. You need liquidity more than you nee Money Management Blog for San Francisco Tech Professionals Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Our Blog Insights and Strategies for Tech Professionals: Navigating Wealth, Taxes, and Financial Success Blog Financial Planning Founders Investment Management Liquidity Events Retirement Stock Options Tax Planning Tech Industry All Categories Search May 6, 2026 When Should You Exercise Stock Options Before an IPO? A Real Guide for Tech Employees Timing is everything so learn when to exercise stock options before IPO. Here's a guide to understand the tricks and April 30, 2026 What Is QSBS and Does It Apply to Your Pre-IPO Shares? Does QSBS apply to pre-IPO shares and what is it exactly? Understand it well and learn how to maximize it. April 23, 2026 How to Plan for Your Lockup Expiration After an IPO What should you do when your IPO lockup expires? Understand taxes, selling strategies, and how to manage RSUs and stock April 16, 2026 3 Financial Advisors Who Handle Pre-IPO Planning Explore three financial advisors who specialize in pre-IPO planning, including KB Financial Advisors, Brooklyn FI, and Flow Financial Planning. April 9, 2026 If You Work at OpenAI or Anthropic, Here’s What to Think About Before IPO If you work at OpenAI or Anthropic, learn what to consider before an IPO. Understand RSUs, stock options, taxes, lockups, April 2, 2026 My Company Is Going Public. What Should I Do With My Stock? Learn what happens to your stock options and RSUs when your company goes public. Understand lockups, taxes, and key decisions March 25, 2026 My Portfolio Did Too Well. Now What? How Founders Manage Large Unrealized Capital Gains Founder equity grew faster than expected? Learn how tech founders manage large unrealized capital gains, balance taxes, liquidity, and concentration March 18, 2026 Do You Pay Taxes on Unrealized Capital Gains? What Founders Need to Know Do you pay taxes on unrealized capital gains? Learn how founders are taxed on stock, options, RSUs, AMT, and liquidity March 11, 2026 Is Deferring Capital Gains Quietly Increasing Your Portfolio Risk? Deferring capital gains may feel tax efficient, but it can increase concentration risk for tech professionals with RSUs and stock Previous Page 1 Page 2 Page 3 … Page 25 Next KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Privacy Policy - KB Advisors | Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Privacy Policy Effective Date: April 15, 2026 At KB Financial Advisors, we recognize that the protection of your financial and personal information is a cornerstone of professional trust. This document outlines our protocols for managing the data generated when you interact with our digital presence, ensuring your sensitive details are handled with care. 1. Data Collection Protocols Our company gathers information through two primary channels: Direct Engagement: We collect identifiers such as your name, professional email, and contact details only when you voluntarily submit them through our consultation forms and client or content portals. Digital Footprint: As you navigate our site, we automatically log technical data. This includes your network location (IP address), device characteristics, and the specific resources you interact with. 2. Digital Tracking and Remarketing To refine our outreach and ensure we are providing relevant financial insights, this website utilizes tracking technologies including pixels and tags (such as those provided by Google and Meta). 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Direct Inquiries For questions regarding this policy or our data management practices, please reach us directly: KB Financial Advisors +1 415-273-9372 595 Market Street 10th Floor San Francisco, CA 94105 KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Inspiring Success Stories from Our Clients Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Leading Tech Financial Advisors Success Stories Don’t just take our word for it! Hear what a few of our happy clients have to say. Book a Call KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Incentive Stock Options Tax Planning | KB Financial Advisors Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Incentive Stock Options (ISO) Tax Planning: Incentive Stock Options Tax Planning for Tech Professionals Schedule Your Call Incentive stock options often bring hidden costs & tax implications Incentive stock options (ISOs) can seem like a great deal, but they often come with some nasty tax surprises. The reality? These options can bring hidden costs that leave you with a hefty tax bill—sometimes before you’ve even sold a single share. Read our related article for more details on Non qualified stock options . You could get hit with a huge tax bill You could face a massive tax bill long before you cash in on your options, especially if you don’t manage them properly. Holding for too long can backfire Holding onto your stocks for too long might backfire if the stock price drops, leaving you with a loss AND a tax liability. Tax rules can get really complicated There are two different tax systems at play with ISOs, and managing them can be tricky. It’s easy to miss things, especially when you’re busy with work and life. Smarter Tax Planning Get ahead of alternative minimum tax Incentive stock options (ISOs) can trigger the Alternative Minimum Tax (AMT), which might leave you with a surprise tax bill—even if you haven’t sold any shares. The AMT is complicated, and if you don’t plan ahead, you could be stuck with a hefty tax burden when your options vest. We help you understand how AMT works and proactively plan for it, so you’re not blindsided when it’s time to exercise your options. Claim & maximize credits Recover alternative minimum tax credits If you’ve been hit with AMT in previous years, you might be eligible to recover some of those taxes through AMT credits. The tricky part is knowing when and how to claim them, as they can help offset your tax bill in future years. We make sure you don’t leave any money on the table by helping you navigate the rules for claiming AMT credits, so you can reduce future taxes and maximize your savings. Time it right Optimize your timing for lower taxes When it comes toIncentive stock options (ISOs), timing is everything. Exercising and selling your options at the right time can make a big difference in how much you pay in taxes. We help you strategically plan the best moments to exercise your stock options and sell your shares to minimize your tax exposure. By considering factors like the current stock price, your holding period, and tax rates, we help you avoid unnecessary taxes and maximize your profits. We’ve helped hundreds of tech executives maximize their ISO compensation We customize your ISO strategy to fit your overall financial and tax goals Every tech professional’s financial situation is unique, which is why we tailor your Incentive stock options (ISO) strategy to fit your overall financial plan. Whether you’re looking to minimize taxes, maximize profits, or align with your long-term goals, we create a strategy that works for you. We handle complex tax scenarios, so you don’t have to The tax implications of Incentive stock options (ISOs) can get complicated—especially with the potential for AMT and the timing of exercising and selling shares. We take care of the tricky details, ensuring you’re prepared for whatever tax situations arise, so you don’t have to worry about surprises. We help you avoid emotional mistakes that could cost you financially It’s easy to get caught up in the excitement of stock options, but emotional decisions can lead to costly mistakes. We guide you with clear, rational advice, helping you avoid common pitfalls like holding on too long or rushing to sell without considering tax implications. ISO alternative minimum tax (AMT) calculator Estimate the alternative minimum tax you may owe this year Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus faucibus ac. Duis duis nascetur id penatibus cras tincidunt mattis. Use Our Calculator We manage every aspect of your tech compensation Qualified Small Business Stock (QSBS) Have QSBS in your compensation package? Let’s make sure you’re taking full advantage of the tax breaks that come with it and setting you up for long-term success. Non-Qualified Stock Options (NSOs) Exercising Non-Qualified Stock Options (NSOs) can feel overwhelming. We’ll help you time it right and avoid costly mistakes so you keep more of your hard-earned money. Explore Restricted Stock Units (RSU) Restricted Stock Units (RSUs) are a great perk, but they can come with a big tax bill. We’ll guide you through when to sell and how to minimize taxes, keeping you on track with your financial goals. Explore Don't just take our word for it. Make smarter decisions with your ISO taxation Not sure how to make the most of your incentive stock options? Schedule a call with us today at  Kb Financial Advisors , and we’ll help you create a strategy that aligns with your financial goals. From timing to exercises, we’ve got you covered—ensuring your options work in your favor, not against you.  KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Financial Advisors for San Francisco Families - KB Advisors Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call We Work With Couples & Families Who... Want a clear plan for major milestones like buying a home, saving for retirement, or saving for college funds. Let's Chat Does this sound like you? You’re juggling saving for retirement while paying for childcare, tuition, or other big expenses You’re unsure how to plan for major life milestones like buying a home or starting a business You want to protect your family’s future but don’t know where to start We’ve been helping couples & families plan & grow their wealth for more than 20 years Build a plan that grows with you as a couple and family As a couple or family, financial planning is about making sure everyone is on the same page and prepared for what’s ahead. For new couples, we start with the basics: creating a joint budget, setting savings goals, and tackling any existing debt. If you’re planning for children, we help you estimate costs like childcare, education savings, and life insurance needs, ensuring you’re financially ready. No matter where you are in your journey, we create a plan that adapts to your needs, helping you feel confident about your finances and your family’s future. Prepare for life's big moments together Life is constantly changing, and so are your financial needs. Whether you’re buying your first home, saving for your child’s education, or preparing for retirement, we’ll adjust your plan as your priorities evolve. For growing families, this might mean shifting from covering daycare costs to starting a college fund. As retirement approaches, it could mean transitioning from saving to creating a plan for sustainable income. Whatever stage you’re in, we adapt your financial strategy to meet life’s milestones, helping you stay confident and prepared for what’s next. Protect your family's legacy with balanced investments A strong investment plan does more than grow your money—it secures your family’s future. We focus on creating a balanced approach that preserves what you’ve built while positioning your portfolio for growth. Whether you’re building a college fund, preparing for retirement, or planning to pass wealth to the next generation, we’ll align your investments with your goals. With ongoing management and regular updates, we ensure your legacy remains protected and ready to support the next chapter of your family’s journey. Don't just take our word for it! Life doesn’t wait, and neither should your financial plan At KB Financial Advisors, we help you make smarter financial choices for your family’s future. From navigating major milestones to building long-term security, we’ll help you stay in control. Schedule a call today to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io The Million Dollar Mistake — Stock Option Planning Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Avoid the Million Dollar Mistake With Your Stock Options The right decision could save you millions. Learn how to protect and grow your wealth with strategic planning. Protect Your Wealth What is the Million Dollar Mistake? The Million Dollar Mistake is a common pitfall for people with concentrated stock positions, one of the most common being Incentive Stock Options (ISOs). At KB Financial Advisors, we’ve seen it firsthand: a $5 million opportunity can quickly shrink to under $500,000 if the right decisions aren’t made. Let’s break it down with two real-world examples. 1 Exercise ISOs 2 Decide to Hold or Sell 3 Financial Outcome A Tale of Two Decisions (Client 1 vs. Client 2) Meet Client 1 and Client 2. Both started with the same stock options, stock price, and potential value. What set them apart? Their decisions. Over three years, Client 1’s portfolio shrank by 92%, while Client 2’s diversified investments grew steadily. The Million Dollar Mistake: The High Cost of Mishandling Your Stock Option Wealth Total value ($M) Client 1 Client 2 5 4 3 2 1 0 Year 1 Year 2 Year 3 Time (Months) Here’s how their stories unfolded March, Year 1: Both clients exercise 50,000 shares at $1/share with a stock price of $35/share. Total value: $1.75 million. September, Year 1: Stock peaks at $100/share Client 1 holds, hoping for higher prices and want to avoid paying higher taxes. They do not have a target price identified. Client 2 sells, paying $1.8 million in taxes but securing $3.12 million net. They have a target price identified. March, Year 2: Stock falls to $40/share Client 1 is forced to sell shares to pay a $476k AMT tax bill. Client 2 reinvests into a diversified portfolio. December, Year 3: Stock price drops to $10/share Client 1’s portfolio is now worth just $381k. Client 2’s diversified investments have grown to $3.2 million. The Result Client 1 $1.75M $381K Client 2 $1.75M $3.2M The financial impact in numbers When you compare Client 1 and Client 2, the numbers speak for themselves. By focusing on price rather than taxes, Client 2 preserved their wealth and avoided the Million Dollar Mistake. Metric Initial Stock Value AMT Exposure Tax Paid New After Taxes (Year 1) Final Value (Year 3) Client 1 (Hold) $1.75M $476k $0 $1.5M $381k Client 1 (Sell & Diversify) $1.75M $476k $1.83M $3.12M $3.2M The Lesson? It’s tempting to hold stock to avoid paying taxes, but this often leads to bigger losses. Client 1 tried to avoid a $1.8 million tax bill-and ended up losing over $4 million in stock value. Client 2 understood that taxes are a cost of securing wealth and made a strategic decision to sell and diversify. Selling at the right time ensures you protect your wealth, even if it means paying taxes now. Diversification adds a layer of safety, guarding against single-stock declines. How We Help You Avoid the Million Dollar Mistake At KB Financial Advisors, we specialize in helping clients with stock options make smarter decisions. Strategic sell/hold analysis Tax impact assessment and planning Diversified investment strategies for long-term growth Make your investments work as hard as you do with KB Financial Advisors Book your introductory call to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Expert San Francisco Wealth Management Services | KB Advisor Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call #1 San Francisco Wealth Management: San Francisco Wealth Management for Tech Professionals and Founders We’ll help you zero in on the most important areas—like your RSUs, taxes, and investments—so you can make decisions that actually move the needle for your future. Let's Chat Stop leaving piles of cash on the table... You’ve got the career, the skills, the capacity to earn, and the equity—but are your finances keeping up? You’re not sure how to invest based on your goals or risk tolerance Ignoring your investments could cost you hundreds of thousands, even millions Big investment firms leave you confused about fees and performance At KB Financial Advisors, we don’t just plan your wealth. We manage & grow it for you. Targeted stock diversification Concentrated stock diversification and 10(b)5-1 plan guidance If you’re sitting on a pile of stock from your company, we get it—it’s tempting to ride the wave. But if that wave crashes, it can hurt. We’ll help you diversify your holdings with a targeted strategy that balances risk and reward. Whether it’s spreading things out to lower volatility or setting up a 10(b)5-1 plan for smooth, predictable sales, we’ve got your back, so you don’t have to worry about putting all your eggs in one basket. Smarter tax allocation Tax-deferred, tax-free, and taxable accounts to lower lifetime taxes Taxes don’t have to be the villain in your financial story. With the right strategy, they can be just another part of your financial game plan. We’ll show you how to allocate your tax-deferred, tax-free, and taxable accounts so you don’t get stuck with a hefty tax bill down the road. Think of it as tax-proofing your future—because who doesn’t like the idea of keeping more of your hard-earned cash?. Find out how KB Financial Advisors helps you keep more of your hard-earned money. Generational Protection Estate planning to protect and transfer your wealth You’ve worked hard to build your wealth, and you want it to last. With our wealth management guidance, we’ll help you create a solid estate plan that protects your assets and ensures they’re passed down smoothly to the next generation. No more worrying about complicated tax issues or paperwork; we’ll make sure your legacy is set up for long-term success. Learn how the right tax strategy protects your legacy. How we work Every month, we turn your stock options & RSUs into a well-oiled machine Your vesting schedule & trading plan Your taxes get paid The rest gets allocated Cash We make sure you have what you need for the here and now. Emergency Fund We set aside the right amount for unexpected bumps in the road. Your investment portfolio We strategically invest the rest to help you build wealth for the future. We make wealth management work for you and your goals Investing in real estate? Buying a second home? We’ll make it happen with a tailored plan. We’re not glued to only traditional investments. Whether it’s real estate, private equity, or other alternatives, our wealth management strategy creates a plan that fits your goals. We’ll help you diversify and find the right balance to grow your wealth beyond stocks and bonds. We’ll call out red flags & emotional decisions Before they lead to significant losses. We keep you grounded in reality, helping you avoid decisions driven by panic or hype. Our job is to help you make rational, long-term choices that protect your wealth and keep you on track. You’ll get clear & straightforward reports, So you always know where your investments stand. No more guesswork. You’ll get easy-to-understand reports that break down your portfolio’s performance and where it’s heading. We keep you informed, so you can make proactive, not reactive, decisions. Why We Are Different The Million Dollar Mistake: The High Cost of Mishandling Your Stock Option Wealth Total value ($M) Client 1 Client 2 5 4 3 2 1 0 Year 1 | Year 2 | Year 3 Time Don't Make This Million Dollar Mistake Both clients exercise 50,000 incentive stock options in March, valued at $1.75 million. While Client 1 holds onto them to avoid a big tax bill, Client 2 follows our advice and sells in September, timing it with the stock price. Which client would you rather be? Client 1 Didn’t want to pay the taxes Didn’t want to sell & thought the price would go higher Keeps thinking the price will come back, but it only goes down Client 2 Price is more important than taxes Knows target price: what's the price you would like to sell? Made the decision to pay the higher tax bill, sell, and diversify We’ve helped hundreds of San Francisco executives manage their wealth & investments Make your investments work as hard as you do with KB Financial Advisors Book your introductory call to see how we can help.  Your investment portfolio is just one of piece of the bigger wealth picture Plan your financial roadmap Explore Manage your equity compensation Explore Proactively plan for high taxes Explore KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io KB Financial Advisors: Tech Equity Tax Planning in San Francisco Skip to content Our New Blog Post is Live! When Should You Exercise Stock Options Before an IPO? A Real Guide for Tech Employees Read Now What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call #1 San Francisco Financial Advisors for Tech, Equity, & RSUs Stock options, smart investments, and tax strategy for tech professionals & founders. Let's Chat Are you a busy tech professional or founder who... Has cash piling up with no plan in sight? First, surprise tax bills. Then, hundreds of thousands in your checking account, shares piling up in a brokerage account. You’re too busy to keep track, and now you’re wondering if you’re missing out on opportunities because you haven’t set a plan in motion yet. The clock is ticking. Is confused by what to do with your stock options & RSU? Should you sell now or hold on for a bit longer? Why does your tax bill seem to keep growing? Figuring out your stock options can feel like a game of financial whack-a-mole—one decision leads to another, and it’s hard to tell if you’re making the right moves or just making it worse. Has been hit with a surprise tax bill? The first time you’re hit with a giant tax bill is a wake-up call. Maybe it’s from stock options you forgot about, or maybe you didn’t realize the income from your new RSUs was taxable right away. Whatever the cause, the pain is the same. The KB Advisors Difference We turn the chaotic finances of busy professionals into a clearly defined plan Common frustrations: “I don’t have time to research investments” "I have too much cash in my bank account!" “What do I do with my stock options?” “I want to invest in property” “I don’t want to miss out on millions” “I’ve been hit with a big tax bill” Working with KB Advisors: Personalized investment management Cash allocated to investments automatically Equity compensation planning Goal-based financial planning Diversified long-term wealth strategies Active, ongoing tax planning and preparation What we do Our San Francisco financial advisors design a plan that fits your career & life goals Create a financial roadmap We help you cut through the noise and focus on what really matters. Whether it’s buying a new house, investing in real estate, or starting a family, we create a clear financial roadmap so you can stop worrying about what’s next. Learn More Perfect your investment strategy We create a tailored investment plan that reduces risk and positions your wealth for long-term growth—so you don’t have to worry about those gut-wrenching moments when the market turns. No more shooting in the dark or second-guessing your decisions.   Learn More Lower your tax bill Tax surprises, mismatched 1099s, or paying too much on your stock options? We help by fixing past mistakes, guiding you on when to sell or hold your equity, and making sure your tax payments match your actual income.  Learn More Why we’re different Finally - tech financial advisors you’ll love working with We're not afraid to suggest bold ideas Every process starts with a whiteboard session. We’ll scribble out all the possibilities—no idea is too wild—and then create a plan that matches your financial goals. We won’t just tell you what to do; we’ll work with you to make sure every decision fits your big picture. Here's How We Work No two financial plans are ever the same Your financial goals are unique, and so is the strategy to get you there. We don’t use cookie-cutter solutions. We tailor everything to fit your situation—whether you’re navigating stock options, planning for retirement, or scaling up your tech business.  Explore Financial Plans We've helped tech professionals for more than 30 years For more than 30 years, we’ve helped tech professionals and founders make smart financial choices. Whether it’s managing stock options, planning for taxes, or setting long-term goals, we’ve guided people through it all—without the jargon. Meet The Team Who we work with We work with people who are open to change & new ideas If you’re a tech professional... We guide you through the complexities of equity, stock options, and tax planning, so you can keep more of what you earn. If you’re the founder of a company... We help you navigate the complexities of IPOs, selling your business, and planning for the financial future you’ve worked hard to build. If you’re a couple or family... We make sure you’re on the same page, so you can focus on your goals—whether that’s saving for a home, retirement, or your kids’ future. Don't just take our word for it. Check out our 5-star reviews: Imagine your life in 3 years with a better SF financial advisor behind you Picture yourself three years from now—still stuck in financial paralysis or confidently enjoying your future? Let’s work together to get you to the second one. Book an introductory call to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Trusted San Francisco Financial Planning Experts Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call #1 San Francisco Financial Planning Financial Planning That Moves as Fast as Your Career We help tech professionals, founders, and families navigate the financial decisions that come with fast-paced lives. Let's Chat “We were struggling with complex and time-consuming processes until we started using KB Advisor’s automated tools.” Michael M, Accountannt “We were struggling with complex and time-consuming processes until we started using KB Advisor’s automated tools.” Michael M, Accountannt “We were struggling with complex and time-consuming processes until we started using KB Advisor’s automated tools.” Michael M, Accountannt Feeling the weight of bigger financial decisions? It’s easy to feel lost when you’re juggling a million things—retirement accounts, investments, stock options, tax strategies—and it’s all piling up. You feel overwhelmed and stressed by money decisions You’re unsure if you’re on the right financial track You worry that waiting will only make things worse If the stakes feel higher, it’s because they are. With your salary growing, stock options piling up, and investments stacking up, the financial decisions start to feel overwhelming. One moment you’re questioning whether you should be saving more, the next you’re caught up in the latest financial trend that your coworker can’t stop talking about. With so many options on the table, it’s hard to know what to prioritize or whether you’re missing something crucial. Instead of feeling in control, it seems like you’re always scrambling—whether it’s reacting to surprise tax bills or managing new goals. The consequences of not being strategic with your money are bigger than ever. We declutter your finances–planning for every life scenario ahead At KB Financial Advisors , we understand that life’s changes come quickly. Whether you’re navigating a career shift, planning to buy a home, or managing equity compensation, we’re here to make sure your finances are ready for whatever’s next. Career planning Plan for an unpredictable, accelerated career path Your career is moving fast, and your finances should keep up. We help you figure out how to make the most of your salary, stock options, and career growth, so you can stay ahead without the financial stress. Higher tax BiLls Avoid surprise bills and underpayment penalties Tax season shouldn’t feel like a guessing game. We’ll help you plan ahead, so when those surprise bills show up, you’re ready—not stressed. Buying a house Make your dream house a priority We help you prioritize this major milestone, from managing your down payment to preparing for mortgage payments, ensuring you’re financially ready for the big move without losing sleep. Managing Stocks options Manage equity without the guesswork Stock options are great, but knowing when to sell or hold can feel like a guessing game. We help you figure out the strategy that works best for your financial goals. See how expert wealth management guides your stock option strategy. Starting a family Prepare for a growing family Kids mean more expenses. We’ll help you manage the financial changes that come with starting a family—from saving for their future to budgeting for the present. Diversifying Investments Diversify your wealth for long-term growth One investment strategy doesn’t fit all. We’ll guide you through diversifying your portfolio to balance growth and risk, setting you up for the future without overcomplicating things. Diversifying Investments Diversify your wealth for long-term growth One investment strategy doesn’t fit all. We’ll guide you through diversifying your portfolio to balance growth and risk, setting you up for the future without overcomplicating things. Retirement planning Keep the same lifestyle when your salary ends It may seem far off, but retirement isn’t something to put off. We help you map out a plan that allows you to live the way you want—without worrying about it today. Use our calculator How close to financial independence are you? Vitae ac mauris faucibus enim consectetur fermentum eget tortor. Pharetra maecenas purus et ut penatibus faucibus ac. Duis duis nascetur id penatibus cras tincidunt mattis. Use Our Financial Independence Calculator Straight forward financial planning–without the jargon or fluff We're not afraid to suggest bold ideas Every process starts with a whiteboard session. We’ll scribble out all the possibilities—no idea is too wild—and then create a plan that matches your financial goals. We won’t just tell you what to do; we’ll work with you to make sure every decision fits your big picture. No two financial plans are ever the same Your financial goals are unique, and so is the strategy to get you there. We don’t use cookie-cutter solutions. We tailor everything to fit your situation—whether you’re navigating stock options, planning for retirement, or scaling up your tech business. Our financial planning experience spans over 30 years For more than 30 years, we’ve helped professionals make smarter financial choices. Whether it’s managing stock options, planning for taxes, or setting long-term goals, we’ve guided people through it all—without the jargon. Here's How We Work Portfolio Growth Over 10 Years: With vs Without an Advisor See the power of small differences in growth rates over time. Use this chart to compare how your portfolio could grow at different rates—like 5% versus 8%. Just enter your portfolio value, and watch how even a 3% difference can have a big impact on your wealth over the years. Without an Advisor (5%) With an Advisor (8%) Portfolio value ($M) 6.5 6.0 5.5 5.0 4.5 4.0 3.5 3.0 2 4 6 8 10 Years Starting Portfolio Potential Value of 3% More Over 10 Years $0 The chart illustrates the hypothetical growth of $3,000,000 over 10 years, assuming annualized returns of 5% and 8%. This example is for illustrative purposes only and does not reflect actual investment results, trading patterns, or performance. The additional 3% return represents what may be achievable by investment advisors who apply effective strategies and best practices in client management. These strategies include proper asset allocation with diversified funds or ETFs, cost-efficient implementation (low expense ratios), regular portfolio rebalancing, behavioral guidance, tax-efficient asset placement (splitting assets between taxable and tax-advantaged accounts), optimized withdrawal strategies, and focusing on total returns rather than just income investing. Don't just take our word for it Don't let uncertainty hold you back from a secure financial future Picture yourself five years from now—still stuck in financial paralysis or confidently enjoying your future? Let’s work together to get you to the second one. Book an introductory call to see how we can help. Financial planning is KB Financial Advisors: Tech Equity Tax Planning in San Francisco Skip to content Our New Blog Post is Live! When Should You Exercise Stock Options Before an IPO? A Real Guide for Tech Employees Read Now What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call #1 San Francisco Financial Advisors for Tech, Equity, & RSUs Stock options, smart investments, and tax strategy for tech professionals & founders. Let's Chat Are you a busy tech professional or founder who... Has cash piling up with no plan in sight? First, surprise tax bills. Then, hundreds of thousands in your checking account, shares piling up in a brokerage account. You’re too busy to keep track, and now you’re wondering if you’re missing out on opportunities because you haven’t set a plan in motion yet. The clock is ticking. Is confused by what to do with your stock options & RSU? Should you sell now or hold on for a bit longer? Why does your tax bill seem to keep growing? Figuring out your stock options can feel like a game of financial whack-a-mole—one decision leads to another, and it’s hard to tell if you’re making the right moves or just making it worse. Has been hit with a surprise tax bill? The first time you’re hit with a giant tax bill is a wake-up call. Maybe it’s from stock options you forgot about, or maybe you didn’t realize the income from your new RSUs was taxable right away. Whatever the cause, the pain is the same. The KB Advisors Difference We turn the chaotic finances of busy professionals into a clearly defined plan Common frustrations: “I don’t have time to research investments” "I have too much cash in my bank account!" “What do I do with my stock options?” “I want to invest in property” “I don’t want to miss out on millions” “I’ve been hit with a big tax bill” Working with KB Advisors: Personalized investment management Cash allocated to investments automatically Equity compensation planning Goal-based financial planning Diversified long-term wealth strategies Active, ongoing tax planning and preparation What we do Our San Francisco financial advisors design a plan that fits your career & life goals Create a financial roadmap We help you cut through the noise and focus on what really matters. Whether it’s buying a new house, investing in real estate, or starting a family, we create a clear financial roadmap so you can stop worrying about what’s next. Learn More Perfect your investment strategy We create a tailored investment plan that reduces risk and positions your wealth for long-term growth—so you don’t have to worry about those gut-wrenching moments when the market turns. No more shooting in the dark or second-guessing your decisions.   Learn More Lower your tax bill Tax surprises, mismatched 1099s, or paying too much on your stock options? We help by fixing past mistakes, guiding you on when to sell or hold your equity, and making sure your tax payments match your actual income.  Learn More Why we’re different Finally - tech financial advisors you’ll love working with We're not afraid to suggest bold ideas Every process starts with a whiteboard session. We’ll scribble out all the possibilities—no idea is too wild—and then create a plan that matches your financial goals. We won’t just tell you what to do; we’ll work with you to make sure every decision fits your big picture. Here's How We Work No two financial plans are ever the same Your financial goals are unique, and so is the strategy to get you there. We don’t use cookie-cutter solutions. We tailor everything to fit your situation—whether you’re navigating stock options, planning for retirement, or scaling up your tech business.  Explore Financial Plans We've helped tech professionals for more than 30 years For more than 30 years, we’ve helped tech professionals and founders make smart financial choices. Whether it’s managing stock options, planning for taxes, or setting long-term goals, we’ve guided people through it all—without the jargon. Meet The Team Who we work with We work with people who are open to change & new ideas If you’re a tech professional... We guide you through the complexities of equity, stock options, and tax planning, so you can keep more of what you earn. If you’re the founder of a company... We help you navigate the complexities of IPOs, selling your business, and planning for the financial future you’ve worked hard to build. If you’re a couple or family... We make sure you’re on the same page, so you can focus on your goals—whether that’s saving for a home, retirement, or your kids’ future. Don't just take our word for it. Check out our 5-star reviews: Imagine your life in 3 years with a better SF financial advisor behind you Picture yourself three years from now—still stuck in financial paralysis or confidently enjoying your future? Let’s work together to get you to the second one. Book an introductory call to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Get in Touch - KB Financial Advisors for Tech Professionals Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Ready to Get Started? We work with tech professionals, founders, and families who are ready to make their money work for them.  Here's What Happens Next Tell us a few details Jump on introductory call Kick off! Before You Schedule a Call A few helpful things to know before booking time with us: We offer one comprehensive service. We provide integrated wealth management, which includes financial planning, investment management, and tax strategy working together. Everything is coordinated under one relationship and one fee. We charge a percentage of assets under management with a $20,000 annual minimum. There are no separate fees for tax preparation. We typically work with founders and senior tech professionals. Most of our clients are in their 30s to 40s, often married with growing families, earning $700,000+ annually. Many relationships begin during liquidity events, IPOs, or periods of significant RSU vesting. We have an ongoing advisory relationship. We are not a project-based or one-time planning firm. Our work is long-term and proactive. Schedule Your First Call Picture yourself three years from now: still stuck in financial paralysis or confidently enjoying your future? Let’s work together to get you to the second one. Book an introductory call to see how we can help. Join Hundreds of Happy & Wealthier Tech Professionals KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io RSU Tax Withholding Calculator: Are You Under-Withheld? Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call RSU Tax Withholding Calculator Curious if you're withholding enough taxes on your RSUs? Try Free Calculator Salary $ Bonus $ Annual RSU Vestings (Shares) Stock Price $ Marital Status Single Married Filing Jointly Calculate Get Results Now Submit Results Total RSU Compensation 0 Withholding on RSU 0 Total Compensation 0 Marginal Rate 0 Tax on RSU 0 Difference/Shortfall 0 Looking for expert guidance tailored to your financial situation? Schedule your complimentary introductory call now and take the first step toward smarter financial decisions. Disclaimers: This calculator is for illustrative purposes only This is not financial or tax advice Specifics of your individual tax projection will be different from this generalized calculator Why is RSU Underwithholding such a big deal? When your RSUs vest, your company automatically withholds taxes at a flat 22% rate, but your actual tax rate is often much higher. This means you could be left with a large tax bill come April that you weren’t expecting. Your withholding is going to be taxed at a higher tax rate RSUs are taxed as ordinary income, but the IRS requires only 22% withholding—which is often far below your actual marginal tax rate. If your tax rate is 32% or higher, this creates a significant gap in what you owe versus what was withheld. For every $400,000 of RSU, you have: $60,000 of Underwithholding If the stock price increases, so does your tax bill Your RSUs are taxed at fair market value when they vest. If your company’s stock price rises after vesting, your tax liability increases as well. If the stock price increase 50%: $60,000 → $90,000 ❌ Now you owe tax on shares that must be paid in cash Even though your RSUs are taxed as ordinary income, the IRS expects payment in cash—not shares. 🚨 $90,000 in taxes due by April, but if you haven’t sold shares or set aside cash, you may not have enough on hand to cover the bill. Cash owed at the end of the year: $90,000 Marginal rate Underwithholding 32% $10,000 of underwithholding on every $100,000 of RSU 35% $26,000 of underwithholding on every $200,000 of RSU 37% $60,000 of underwithholding on every $400,000 of RSU Get help with your RSU taxation planning RSU taxation can be complex and costly if you’re not prepared. Here at KB Financial Advisors, we help you understand your RSU tax liability, plan for underwithholding, and make sure you’re not caught off guard when tax season arrives. Schedule an introductory call today to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Financial Independence Calculator Tool Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call FREE CALCULATOR Try Our Free Financial Independence Calculator Use our Financial Independence Calculator to estimate your net worth multiplier, future salary potential, and safe withdrawal rate. Understand how close you are to financial independence and make informed decisions about your financial future. Use Financial Independence Calculator Financial Independence Calculator Input income and exercise details in white cells below. Age Net Worth $ Salary $ Other Income (bonus, commissions, RSU) $ Investment Portfolio $ Calculate Get Results Now Submit Results Net Worth Multiplier 0X Future Salary Estimate $0 There are more dollars in your future salary than your portfolio. You might not be financially independent, and there is a lot of future wealth left in your career. There is more dollars in your portfolio than your future salary. You are financially independent. Your future salary and portfolio are only 0% apart. You are financially independent-ISH. Keep working if you want or stop working. It might be up to you. Safe Withdrawal Rate $0 per year Imagine your life in 3 years with a better financial advisor behind you Need personalized, 1:1 guidance? Here at KB Financial Advisors, we can help you navigate AMT calculations, tax planning strategies, and the best approach for your specific financial situation. Book your introductory call today. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Who we work with - tech - KB Advisors | tech Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call We Work With Tech Professionals Who... Receive unique forms of compensation, like RSUs, stock options, and bonuses, which come with complex tax implications. Let's Chat Does this sound like you? You’re unsure how to handle your stock options or RSUs You need a clear financial plan that grows with your career You want to reduce your tax bill but don’t know where to start We help tech professionals handle complicated pay packages, including equity, bonuses, and high taxes. Adapt goals to your growing career Build wealth as your career evolves Your financial goals and needs change as you grow in your tech career. Whether you’re negotiating a new job, planning a move, or preparing for a promotion, we’ll create a financial plan that fits your life. From managing your equity compensation to saving for big purchases like a home, we’ll help make sure your money works toward your long-term goals. Wherever you are in your career, we’ll help you stay focused on what matters most. Make the most out of your pay Grow wealth with a strategy that fits your short and long-term goals Equity compensation and tech salaries offer great opportunities to grow your wealth, but figuring out how to get started can be tough. We create investment plans that match your career and financial goals. Whether you’re saving for the future, buying your first home, or exploring ways to diversify, we’ll ensure your investments are headed in the right direction. Once your plan is in place, we’ll handle the day-to-day details so you can stay focused on your work and your life. avoid major tax implications Know what you'll owe: stay ahead of major tax surprises Equity compensation, such as RSUs, non-qualified stock options (NSOs), and incentive stock options (ISOs), can create unexpected tax bills if you’re not prepared. RSUs are taxed as income when they vest, while NSOs and ISOs have their own unique tax rules that depend on when and how you exercise them. At KB Financial Advisors, we provide detailed annual tax projections that take into account your salary, bonuses, and equity grants. This helps you understand the tax impact of each type of equity, plan for upcoming vesting or exercise events, and identify strategies to reduce your overall tax burden. Work with the experts in tech compensation Restricted Stock Units (RSU) Learn more Non-Qualified Stock Options (NSOs) Learn more Incentive Stock Options (ISOs) Learn more The KB Advisors Difference We turn the chaotic finances of busy tech professionals into a clearly defined plan Common frustrations: “I don’t have time to research investments” "I have too much cash in my bank account!" “What do I do with my stock options?” “I want to invest in property” “I don’t want to miss out on millions” “I’ve been hit with a big tax bill” Working with KB Advisors: Personalized investment management Cash allocated to investments automatically Equity compensation planning Goal-based financial planning Diversified long-term wealth strategies Active, ongoing tax planning and preparation Turn your equity into opportunity with KB Financial Advisors Don’t lose out on millions of dollars due to mismanagement of your equity. At KB Financial Advisors, we’ll help you make sense of your equity and taxes, so you can hold onto more of what you’ve earned. Schedule a quick call to see how we can help. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io Equity Based Compensation Planning | KB Financial Advisors Skip to content What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call What We Do Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Success Stories About Us Blogs & Videos Our Blog Videos Tools Financial Independence Calculator RSU Tax Withholding Calculator AMT Calculator The Million Dollar Mistake Book a Call Equity Based Compensation Planning for Tech Pros — RSUs, ISOs, NSOs Your equity based compensation is a big part of your financial picture, but it’s not always that straightforward. We help you navigate the complexities to ensure you’re getting the most out of your hard-earned rewards. Let's Chat Equity compensation can bring... Major underwithholding issues Hitting you with a bigger tax bill than expected Wondering if you should sell or hold With huge consequences of the wrong decision Growing stress & uncertainty As the value grows more over time KB Financial Advisors specializes in financial advising for equity based compensation Restricted stock units Major underwithholding issues & RSU tax planning unpredictability RSUs can lead to significant surprise tax bills if you’re not prepared. Many people don’t realize their employer may not withhold enough taxes, leaving them owing more than expected, especially with equity based compensation. We’ll help you figure out the best time to sell your shares, plan for taxes, and avoid those unpleasant surprises. It’s all about making your RSUs work for you, not against you. Explore Non qualified stock options Facing uncertainty with how to handle your NSOs? NSOs can feel like a puzzle, especially when it comes to deciding when to exercise or sell. The timing matters because it impacts your taxes and how much money you actually take home with equity based compensation. We’ll simplify the process, create a plan that works for your goals, and help you avoid expensive mistakes. Explore Incentive stock options ISOs often bring hidden costs & tax implications Incentive Stock Options (ISOs) offer great benefits but also bring complex tax implications, including potential Alternative Minimum Tax (AMT) exposure. If handled incorrectly, ISOs can result in unexpected costs and missed opportunities. We’ll analyze your situation and guide you through exercise and holding strategies to balance tax efficiency with financial growth. Explore We’ve helped hundreds of tech employees maximize their equity based compensation We align your equity plan with your broader financial goals We don’t just look at your equity based compensation on its own—we make sure it fits into your overall financial plan and goals.   You’ll get clear, personalized guidance on when to hold or sell We provide straightforward, personalized advice, helping you evaluate the market, your financial situation, and your goals to make the best decision on when to sell or hold. We help you avoid emotional mistakes that could cost you thousands Whether it’s avoiding the temptation to hold onto an option for too long or reacting impulsively to market changes, we ensure your financial strategy is driven by sound decisions. Explore our RSUs Taxation services to optimize your strategy. Don't just take our word for it! Make smarter decisions with your equity-based compensation We’ve seen clients lose millions by not knowing how to plan for and handle their equity based compensation. Don’t let that happen to you. Schedule a quick call today and see how we can help. You can learn more about how we support clients by visiting our KB Financial Advisors home page. KB Financial Advisors 595 Market Street 10th Floor San Francisco, CA 94105 What We Do Financial Planning Wealth Management Tax Strategy Financial Planning Wealth Management Tax Strategy Equity Comp Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Equity Compensation RSUs Taxation Incentive Stock Options Non Qualified Stock Options Qualified Small Business Stock (QSBS) Who We Work With Owners & Founders Tech Professionals Couples & Families Owners & Founders Tech Professionals Couples & Families Company About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions About Us Our Blog Get in touch Success Stories Privacy Policy Terms and Conditions Copyright © KB Financial Advisors 2024. All Rights Reserved Linkedin Facebook Twitter Youtube This business is growing with Markology.io