SPACEX IPO
Are you ready for a SpaceX liquidity event?
The unlock is coming. Have a plan before you have a decision to make.
Schedule Your SpaceX Equity Review ➔
SPACEX IPO
Are you ready for a SpaceX liquidity event?
The unlock is coming. Have a plan before you have a decision to make.
Schedule Your SpaceX Equity Review ➔
Stock options, RSUs, and company shares can be a major part of your wealth and a uniquely complicated part of your financial plan. We help you understand what you own, plan around the taxes, and decide when to exercise, hold, or sell.
Plans built around your shares
Stock options and RSUs don’t come with a manual. Your equity, your taxes, and your investment plan all need to work together, that’s what Equity Compensation Financial Planning from Babin Wealth Management does. One coordinated strategy, built around your shares, not a stack of separate decisions.
Understand each type of equity you hold and how it fits your broader plan.
When and how much to exercise — weighing AMT, holding periods, cash needs, and capital gains.
Planning for the tax consequences of exercising, and how the shares fit your strategy.
A strategy for vested shares that weighs taxes, diversification, and company exposure.
Whether to participate, how holding periods affect taxes, and when to sell.
A plan to reduce company-specific risk without ignoring the tax cost of selling.
Getting ahead of tender offers, IPOs, acquisitions, and large stock sales.
409A valuations, limited liquidity, and planning for a future IPO or acquisition.
A coordinated plan for your equity, your taxes, and your CPA — start to finish.
We map every grant, vesting schedule, and how much of your net worth is tied to company stock.
We model exercise, sale, tax, and diversification paths side by side.
We work directly with your tax professional so nothing gets decided in isolation.
We coordinate your equity plan with your investment portfolio and taxes.
New grants, new valuations, new goals the plan keeps up with you.
We’re not just here to help you exercise options. We’re here to build one coordinated plan around your equity, your taxes, and your long-term goals. Here’s why clients choose us:
Managing equity shouldn’t feel complicated or stressful. Let’s bring clarity and confidence to every decision.
Schedule your complimentary introductory call today and see how a coordinated plan can help you exercise, diversify, and plan with confidence.
As fiduciaries, we put your interests first always. No commissions, no product sales, no conflicts of interest, just advice designed around what’s best for you.
Every exercise, vest, and sale is planned for its tax impact before it happens, not after.
We work directly alongside your tax professional so your equity and tax strategy move together.
A research-driven approach to reducing concentration risk without rushing decisions.
Your plan evolves as new grants vest, valuations shift, and your goals change.
Pay in the form of company stock or the right to buy it commonly stock options, RSUs, or ESPP shares instead of, or in addition to, cash salary.
It depends on strike price, current value, expiration, your cash position, and potential AMT exposure. There’s rarely one right answer for everyone.
ISOs can qualify for favorable capital gains treatment if you meet holding-period rules, but exercising can trigger the Alternative Minimum Tax.
Yes. The spread between your strike price and fair market value at exercise can count as income under the AMT, even without a sale.
The spread at exercise is taxed as ordinary income, and any further gain after that is a capital gain when you sell.
RSUs are taxed as ordinary income when they vest. Any change in value after that is a capital gain or loss when you sell.
Often, yes many people sell at vest to avoid building an even larger concentrated position, but it depends on your full picture.
There’s no universal number, but many advisors get cautious once company stock exceeds roughly 10–20% of net worth.
Unvested awards are typically forfeited, and vested options usually come with a limited post-termination window to exercise.
Common approaches include staged sales over time, tax-loss harvesting, and charitable giving strategies matched to your tax situation.
You don’t need one, but equity decisions touch taxes, investments, and cash flow all at once — a coordinated plan usually beats a guess.
Years of Experience
Families Served
Conversation to Start