Equity compensation: Maximize every option.
Confused by company stock or equity plans? We're here to help*. We offer clear explanations tailored to your financial goals, empowering you to make informed decisions about your compensation. Our personalized approach tackles everything from understanding the options to navigating risks and future events.
*Equity compensation guidance included in Plus and Complete tiers only.
Get clarity where there’s confusion.
Equity compensation is a valuable tool that many companies use to reward and retain their employees. It grants you a stake in the company’s success by offering shares, stock options, or RSUs as part of your compensation package.
Stock options can be a great benefit, but understanding them can be tricky.
At Facet, we can simplify your equity compensation, empowering you to understand its impact on your financial well-being.
Turn your company shares into building blocks for your financial goals.
We create a personalized analysis and strategy, considering factors like vesting schedules, tax implications, and investments. This unified approach helps ensure that your equity seamlessly integrates into your overall financial goals.
We can guide you on decisions like purchasing and selling RSUs, ISOs, and stock options, and help you navigate concentration risk and IPOs. With Facet, you can build a balanced, diversified portfolio that leverages your equity for a secure financial future.
Don't let taxes catch you off guard.
The extra benefits from your job could mean you have to pay more taxes. Learn easy ways to manage this so you keep more money in your pocket, while still making the most of what your job offers.
Build your future the smart way.
Your job’s extra benefits can help you save up for a good life down the road. Learn how to add these perks into your big plans, so you’re setting yourself up for a future you can look forward to.
How a Facet memberships work.
Our flat-fee model means no commissions.
Support from a team of CFP® professionals and experts.
Secure, industry-leading technology to manage and organize your entire financial life in one place.
Exclusive partner offers that complement your financial outcomes.
“We feel more empowered navigating our finances, more than we ever have. Facet’s dashboard keeps us organized and gives us a clear understanding of where we’re tracking with our goals, budget, and more. Very user friendly.”
Hanna
New York
Alyssa
“I’ve always just sort of felt really uncomfortable with like opening bills, looking at my bank account, and I end up just kind of ignoring the problem until it gets problematic. With Facet it has been such a relief for me”
Jonathan
“The fee structure is probably the other biggest thing that sent me to Facet and it’s made me very happy with Facet. It puts us at an equal footing with anybody else. It’s not about how much money I have managed by Facet. It’s about us as a client…and as we grow our finances, the attention we get is not gonna change. We’re still a client paying for our Facet services with a fee structure that supports us as just a couple, not as a set of assets.”
Sarah & Michael D
North Carolina
Frequently asked questions.
What is equity compensation?
Equity compensation is a way for companies to share ownership with their employees. It’s basically getting a piece of the company pie along with your regular paycheck. Whether you’re dealing with stock options, RSUs, or ESPPs, these benefits can boost your total compensation.
Facet planners and equity compensation specialists* can help you understand and maximize these benefits. We know that making sense of your equity package can feel overwhelming, so we break it down into clear, actionable steps as part of your financial roadmap.
Understanding the type of equity awards you have and the decisions you can make with them is key to taking advantage of your equity compensation plan. That’s why having a knowledgeable partner in your corner can help you maximize the value of your benefits.
How is equity compensation taxed?
Taxes are often the most complex part of equity compensation, but understanding the basics can help you avoid surprises at tax time. Let’s break down the tax implications for different types of equity:
- ISOs (Incentive Stock Options): No immediate taxes when you receive or exercise them. You’ll pay taxes when you sell the shares, though AMT considerations may apply.
- NSOs (Non-Qualified Stock Options): You’ll pay regular income tax at exercise plus capital gains tax when you sell.
- RSUs (Restricted Stock Options): These are taxed as regular income when they vest, with any subsequent gains taxed as capital gains.
- ESPPs (Employee Stock Purchase Plans): You’ll pay income tax on the discount received, plus capital gains tax on any appreciation.
Each of these award types may have different holding period requirements to optimize for tax efficiency. At Facet, we help you understand and manage these tax implications as part of our employee benefits planning for Plus and Complete members.
When should I exercise my stock options?
How do I balance equity compensation with overall financial planning?
Your equity compensation is just one piece of your financial puzzle. It’s exciting to have company stock, but it’s crucial to maintain a balanced portfolio. At Facet, we help you integrate your equity compensation into your broader financial strategy.
Take our financial wellness quiz to understand how your equity fits into your overall financial health. Our CFP® professionals will help you create a roadmap that aligns with your goals while managing overall risk.
How do I know the value of my equity compensation?
Many people know their stock’s current price, but that’s just scratching the surface of what your equity is truly worth. Knowing your equity’s value concerns more than simply tracking the current stock price. Facet’s financial planners will help you evaluate:
- Vesting schedules and timelines
- Exercise costs and considerations
- Growth potential and scenarios
Ready to get clarity on your equity compensation? Get started with Facet today. We’ll help you understand your equity’s real value and how to maximize it.